Home Loan

What’s in store for you?

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Types of Home Loan for NRIs

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NRI Loans Interest Rates

All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6%

Special Interest Rates

Policy Repo Rate + 2.45% to 3.30%= 8.45% to 9.30%

8.45 % - 9.30 %

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Standard Interest Rates

Policy Repo Rate + 3.15% to 3.70%= 9.15% to 9.70%

9.15 % - 9.70 %

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More About NRI Loans

  • Loans for NRIs, PIOs, and OCIs

  • Loans for Properties from Development Authorities

  • Loans for Construction

  • Loans for Purchase in Co-operative Housing Societies 

  • Home Loan Advisory Services

  • Property Search Advisory Services

  • Loans for Property Purchase Anywhere in India

  • Loans for Merchant Navy Employees

  • Purchase properties from private developers or government authorities such as DDA and MHADA.

  • Construction Loans are available for freehold/leasehold plots or plots allotted by Development Authorities.

  • Purchase properties in existing housing societies, apartment associations, or privately built homes*.

  • Attractive interest rates to make your dream home affordable. 

  • Avail of our comprehensive Home Loan Advisory Services wherever you are.

  • Expert legal and technical counselling to help you make informed decisions.

  • Valuable insights on developer projects, location factors, documentation requirements, and offerings.

NRE Savings Account

Transfer both the principal and interest abroad using NetBanking.
Enjoy tax-free interest on the savings in your account.

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High Loan Amount

Based on property value and income.

Flexible Tenure

Repayment period up to 15 years.

Attractive Interest Rates

Competitive rates with fixed or floating options.

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Prepayment and Foreclosure

No penalty for prepayment or foreclosure on floating-rate loans.

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Simplified Documentation

Streamlined paperwork for NRIs.

Tax Benefits

Tax deductions on interest (Section 24(b)) and principal repayment (Section 80C), if property is used for residential purposes.

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Currency Flexibility

Repayments can be made in foreign currency.

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A: You can apply for NRI Home Loans by giving a missed call on: 
+91 9289200017 or simply visiting one of the branches of HDFC Bank.

At HDFC Bank, we understand that while you may be living abroad, the desire to own a home in your homeland remains strong. That's why we offer NRI Home Loans to help turn your dream of owning a home in India into a reality. Whether you're an NRI, PIO, or OCI*, we have various types of loan options to suit your needs.

  • Whether you're an NRI, PIO, or OCI*, we have various types of loan options to suit your needs.

  • Loans for the purchase of properties from Development Authorities such as DDA, MHADA etc.

  • Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority in India.

  • Loans for purchase of properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built-up homes. 

  • Attractive interest rates.

  • Avail of Home Loan Advisory Services in the country where you currently reside

  • Property Search Advisory Services - expert legal and technical counselling to help you make the right home buying decision.

  • Valuable insights on developer projects, location, documentation and offerings.

  • Loan for purchase of property located anywhere in India**

Loans available for those employed in the Merchant Navy.

Frequently Asked Questions  

Yes, NRIs can avail Home Loans in India. HDFC Bank offers NRI Home Loans to help fulfil your dream of owning a home in India.

The loan amount for Non-resident Indian (NRI) depends on various factors such as income, eligibility criteria, and property value. You can use our NRI Home Loan Calculator to estimate your eligibility.

While a good credit score is important, the specific CIBIL score required for an NRI Home Loan may vary based on factors such as income, repayment capacity, and property value.