HDFC NRI Home Loan: Get Details on Home loans For NRI from HDFC Ltd. Check Interest Rates, Documents, EMI, Eligibility and Other Fee & charges charged by Bank.

Security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be required, if the property is under construction.

Documents required for HDFC Ltd Home Loans

  • Application form with 2 photographs
  • Identity Proof & Residence Proof
  • Latest Salary Slip (Salaried Individuals)
  • Form 16 / ITR (Salaried Individuals)
  • Processing Fee cheque
  • Last 6 Months bank statement (Salaried Individuals)
  • Last 3 Year profit/loss & balance sheet (Self Employed – Professionals/Businessmen)
  • Last 3 years income tax returns (Self Employed – Professionals/Businessmen

HDFC Home Loan Interest Rates

Interest Rates Upto 75Lac 8.65% - 8.70%
Interest Rates Above 75Lac 8.70% - 8.75%
Min. EMI per 1 Lakh Rs.779 (women), Rs.783 (others)
Processing Fees 1.25% or Max. Rs.3000
Max. loan amount abv 30 lakh 75 - 80%
Min. Income per month 12000

Features & Benefits

Maximum loan

80% of the cost of the property (including the cost of the land) and based on the repayment capacity of the customer.

Maximum Term

Certain Professionals – 20 years Others – 7 years

Applicant and Co- Applicant to the loan

Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co- owners.

Adjustable Rate Home Loan

Loan under Adjustable Rate is linked to HDFC’s Retail Prime Lending Rate (RPLR). The rate on your loan will be revised every three months from the date of first disbursement, if there is a change in RPLR, the interest rate on your loan may change. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases.



Application form with photograph

Photocopy of the Employment Contract or Labour Contract and English translation countersigned by your employer

Latest salary certificate (in English) specifying the following

Name (as it appears in the passport)

Date of joining

Passport Number


Perquisites and salary

Photocopy of Identity card / Labour card

Photocopy of latest work permit

Photocopy of valid resident visa stamped on the passport

Overseas Bank Account and NRE/NRO statement for the last six months.

Continuous Discharge Certificate (CDC)- if applicable

Latest Credit Bureau Report [Applicable to customers residing in countries where Credit Bureaus exists. eg. USA, UK etc.]

Property related documents

Processing fee cheque


No Charges for

Multiple Repayment Option

Security for the loans