For a smooth Home Loan process, you must submit a duly filled application along with important documents such as identity proof, address proof, income proof, etc. If you are applying with a co-applicant, you must submit the same set of documents as the co-applicant, and they must sign the application form, too.

If you have already short-listed a property, you must provide the details in the form and submit photocopies of the property-related documents for legal and technical assessment. This will make your Home Loan process much easier.

You can also apply online for HDFC Bank Home Loans by visiting www.hdfc.com. You can even call us at on our toll-free number, and our counsellor will visit your home and assist you through the ​Home Loan process.

After you submit the form and the documents, the appraisal process begins. The Bank evaluates your eligibility based on specific information relating to your income, liabilities, credit score, etc.

If you are self-employed, we assess the business's sustainability and cash flow in addition to the above information.

At this stage of the ​Home Loan process, the Bank conducts a field credit investigation, during which our representative may call you or visit your home or office to validate the information you provide in the application form.

Based on our assessment, we will determine your loan eligibility.

For a smooth legal and technical assessment of the property, it is advisable to submit all the available documents in one go. These include the complete chain of title documents (in case of a resale property), sale agreement with the builder, NOC (No-objection Certificate), OC (Occupancy Certificate), and any other document that the Bank may require to verify. We will also conduct a technical inspection of the property to check if the property is constructed as per the sanctioned plans and other applicable norms and to assess the market value.

After determining your loan eligibility and verifying the legal and technical aspects of the property, we will communicate the loan amount through a sanction letter. The sanction letter will contain the following details:

• Total sanctioned loan amount
• Home Loan interest rate
• Type of interest rate applicable (fixed or floating interest rate)
• Loan tenure
• EMI (as applicable) payable
• Validity of the sanction letter
• Special conditions (if any) to be fulfilled before disbursement
• Other terms and conditions

After carrying out credit, legal and technical verification, we would require you to submit the original title documents to complete the Home Loan process. We will begin preparing your disbursement cheque once you submit the documents and raise a disbursement request. You will need to sign the loan agreement before the lender hands over the disbursement cheque to you. Before signing the loan agreement, ensure you carefully read the most important details, such as interest rate, interest type, loan tenure, EMI, and other terms and conditions.

If the property you want to purchase is under construction, we will disburse the sanctioned amount in instalments to the developer based on the progress of the construction.