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In this story we detail about HDFC home loan customer care including grievance redressal and toll free numbers. For home loan approval, you need to submit the following documents for all applicants / co-applicants along with the completed and signed home loan application form. You can apply for a pre approved home loan which is an in-principal approval for a loan given on the basis of your income, creditworthiness and financial position. Generally, pre-approved loans are taken prior to property selection and are valid for a period of 6 months from the date of sanction of the loan .
Sometimes it is possible that you may need to address your specific queries or concerns to the Nodal Officer or the Zonal officer of your branch. Here’s a detailed city-wise list made available to you for the same. One of the easiest ways to reach HDFC Home Loan Customer Care is by calling the customer care helpline number of the bank. The phone banking executives would answer all your questions regarding your HDFC home loan.
Ways to Reach HDFC Bank Customer Care
Customers can however also choose to begin their EMIs sooner. The EMIs will proportionately increase with every partial disbursement made as per the progress of construction. The prepayment charges are subject to change as per prevailing policies of HDFC and accordingly may vary from time to time which shall be notified on . Our chat service on our website and WhatsApp are available 24X7 to assist you with your housing loan related queries.
With minimal documentation, applying for a HDFC home loan is quick and hassle free. Our home loan experts are available to help you in your loan application process and offer you assistance every step of the way. Dial 1 - for details on the bank account, credit card, loan or any other services. To address any issues about HDFC Home Loan services, go to the complaints form and fill in the necessary details such as the file number, loan account number, serial number, Email Id, and mobile number.
When can I take disbursement of the home loan?
Home loan is a form of secured loan that is availed by a customer to purchase a house. A housing loan is repaid through equated monthly installments which consists of a portion of the principal borrowed and the interest accrued on the same. HDFC is India’s premier housing finance company offering a wide range of home loan products that are customized to your needs and can be comfortably repaid over a longer tenure. HDFC’s end-to-end digital home loan application process, integrated branch network across the county and 24X7 online assistance can make your home owning journey a memorable one. Home loans have one of the lowest interest rates as compared to other loan products such as auto loans and personal loans. Opt for a home loan provider who offers longer tenure loans, flexible repayment options etc.
Every installment disbursed is known as a 'part' or a 'subsequent' disbursement. Our HDFC Reach Loans make home buying possible for micro-entrepreneurs and salaried individuals who may or may not have sufficient proof of income documentation. You can apply for a house loan with minimal income documentation with HDFC Reach. All co-owners of the property need to be co-applicants to the house loan. Transferring your outstanding home loan availed from another Bank / Financial Institution to HDFC is known as a balance transfer loan. HDFC will determine your Home Loan Eligibility largely by your income and repayment capacity.
What is the maximum purchase price I can afford?
With this option you get a longer repayment tenure of up to 30 years. This means an enhanced loan amount eligibility and smaller EMIs. Improve your credit score by creating a reasonable track record of timely repayments so that you achieve a high credit score which would improve your prospects of getting a home loan. Interest rates on home loan are lower than other types of loans. You can download account statements, interest certificates, request for home loan disbursement and do much more.
You can apply for housing loans at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced. You can even apply for a home loan whilst you are working abroad, to plan for your return to India in future. We curate the best available offers from banks, NBFCs & financial institutions according to your profile, credit score, cash needs & repayment capacity. For details on bank account, credit card, loan or any other services dial 1. Magicbricks is a full stack service provider for all real estate needs, with 15+ services including home loans, pay rent, packers and movers, legal assistance, property valuation, and expert advice. As the largest platform for buyers and sellers of property to connect in a transparent manner, Magicbricks has an active base of over 15 lakh property listings.
The documentation needed to be submitted along with your home loan application form is available here. This link provides a detailed checklist of KYC, Income and property related documents required for the processing of your home loan application. The checklist is indicative and additional documents could be asked for during the home loan sanction process. Get the latest account-related information from HDFC Bank home loan customer care.
On selecting your preferred concern, you’ll then be connected to the expert on the subject and get immediate assistance on your problem. To fasten up the process, make sure you have all your Home Loan related documents in place and available at the time of the call. The expert on call usually cross-checks your information to understand your case in detail before proceeding ahead with the call. Pre-EMI is the monthly payment of interest on your home loan. This amount is paid during the period till the full disbursement of the loan. Your actual loan tenure — and EMI payments — begins once the Pre-EMI phase is over i.e. post the house loan has been fully disbursed.
Plot purchase loans are availed for purchase of a plot through direct allotment or a second sale transaction as well as to transfer your existing plot purchase loan availed from another bank /financial Institution. Choose a home loan provider who offers doorstep assistance or gives you the facility to apply online for a home loan by uploading the required documents from the comfort and safety of your home or office. If you purchase an under construction property you are generally required to service only the interest on the loan amount drawn till the final disbursement of the loan and pay EMIs thereafter. In case you wish to start principal repayment immediately you may opt to tranche the loan and start paying EMIs on the cumulative amounts disbursed. Go through the list of documents required and keep them ready before starting your home loan application process.
You can take disbursement of your home loan once the property has been technically appraised, all legal documentation has been completed, and you have made your down payment. This option provides you the flexibility to increase the EMIs every year in proportion to the increase in your income which will result in you repaying the loan much faster. Working Capital, Debt Consolidation, Repayment of Business Loan, Expansion of business, Acquisition of Business asset or any similar end usage of funds. Fees on account of external opinion from advocates/technical valuers, as the case may be, is payable on an actual basis as applicable to a given case.
Other important factors include your age, qualification, number of dependants, your spouse's income , assets & liabilities, savings history and the stability & continuity of occupation. Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. A copy of the policy can be obtained by customers from the concerned branch on request. Up to 0.50% of the loan amount or ₹3,000 whichever is higher, plus applicable taxes. You can now apply for a home loan online in 4 simple steps with HDFC’s quick and easy apply online module.
Such fees is payable directly to the concerned advocate / technical valuer for the nature of assistance so rendered. The maximum period of repayment of a loan shall be up to 30 years for the Telescopic Repayment Option under the Adjustable Rate Home Loan. For all other Home Loan products, the maximum repayment period shall be up to 20 years. Ensure that the documentation of your home loan application is in order as per the requirement of the lender.
Please make sure you only take serious and prioritised grievances or concerns while approaching these officers. Dial 2 - to report loss or damage of credit or debit card issued in the holder’s name. Additional Information know Personal loan Customer Care Details For Different Banks. We'll ensure you're the very first to know the moment rates change.
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