Welcome toHDFC HOME LOANS

HDFC Home Loans - Assuming Popular Quotients In India HDFC Bank is a premier financial services company of India. Incorporated in August 1994, it was promoted by Housing development Finance Corporation (HDFC) – a premier housing finance company of India. Under the liberalized economic regime ushered in India in the 1990s, HDFC Bank began its operations as a scheduled commercial bank in the private sector in January 1995. In the last two decades HDFC Bank has emerged successful through its range of banking products of all kinds. The financial expertize of HDFC in housing finance has been very well carried forward by HDFC Bank. This is manifested in the popularity and trust that the Indian social classes have shown in HDFC home loans over the years! HDFC Bank has been actively engaged in the efficient management of home loans through thorough evaluation and analysis as for the feasibility of the housing projects. This has led the bank to keep the negative parameters like NPAs or the non performing assets under controllable limits. This reflects the fiscal prudence of the bank and further elevates the popular trust in the institution! HDFC Bank home loan – fully transparent and no hidden costs! HDFC Bank is a financial institution of trust and prestige that has been built through serving the social classes in a transparent and rational manner. HDFC Bank home loan has been designed with the aim of social inclusion as for the housing needs of the emerging Indian classes. The loans options are held flexible so as to suit the requirements of diverse social array with differentiated economic quotients. The process of loan approval has been made rational through well laid out procedures and this reduces the ambiguities and the scope of favoritism or

other unhealthy practices. Ironically this has remained as an intrinsic feature of the phenomenon of availing loans in the earlier decades. With every process transparent, the next attempt was made remove the scope of hidden costs for the prospective customer. In this regard, the bank follows RBI guidelines thoroughly. No wonder then, HDFC Bank home loan products have emerged appealing among the loan seekers!

Availing HDFC Home loan becomes easy! The Bank has made the process of availing HDFC home loan easy and hassle free with least paper work for the prospective beneficiary. At the first instance the bank maintains an interactive web portal that allows the loan seekers to get upto date information regarding the current rates and allied rate levy structure. The site also has a ‘loan eligibility calculator’ which makes the anticipative calculations easier for the beneficiary to plan his loan. The Bank guides the customer to recognize the correct loan option with respect to the rate options and loan duration among others. The processing of loans is fast enough and even doorstep activation is provided! Such a loan interface with the clients has made HDFC Bank as one of the trusted and leading home loan providers of India! HDFC Home loan interest rate - competitive and flexible HDFC home loan interest rate is one of the most competitive in the loan market and various flexibilities are offered as regards the rate structure – floating or fixed. The bank also brings out offers of special interest rate while fully complying with the RBI guidelines in the field. A similar offer is in effect for the beneficiaries till the date of 31st July 2014!

HDFC Home Loans – Serving Housing Development Needs HDFC Bank is a premier financial services institution of India with an array of banking and financial products for differentiating social classes in India. The institution was founded in 1994 and in the last two decades has worked to significantly increase its operational and financial presence. Presently it is the largest bank in terms of ‘market capitalization’ and fifth largest bank in terms of assets. HDFC Bank retains assets to the tune of US $ 66.7 billion as of May 2013. The institution is promoted by HDFC or Housing Development Finance Corporation – a premier agency with the aim of serving finance and credit needs for the housing projects. HDFC Bank actively continued with the parent tradition to serve the housing needs of the society through an array of HDFC home loans which have increasingly become popular on account of transparent processing, responsiveness and customizations as for the diverse social classes. HDFC Bank Home Loan Options for Everyone! HDFC Bank home loan is deliberately oriented towards the needs of variety of clients and the bank has therefore developed an array of options to suit everyone. HDFC Bank offers special eligibility home loans for agriculturists, dairy farmers and planters among others. They are provided home loans with least formalities for constructing houses in the cities and towns of their choice as also their native village land. Besides, easy loan options are available for the salaried employees in the government and private sector also. Flexibilities as regards the home loan orientations like the construction of house on the residential plots, renovation and extension purposes and purchase of a new house are also offered in a customized manner. Such

responsive orientations have made HDFC home loan products to garner much appeal and popularity in the Indian society.

HDFC Home Loan – Transparent and Trustworthy The Bank maintains a policy of transparent interface with its customers. HDFC home loan is processed in a rational manner so as to remove the scope of arbitrariness and allied favoritism in the sanction of home loans and the feasibility study is carried out on a rational basis by the bank staff. Besides, the Bank engages in thorough compliance of RBI guidelines as regards the interest rates and no hidden charges are levied on any pretext! The home loan eligibility can be calculated by the clients either through the bank staff or on the web portal of the bank. Such a transparent policy has made HDFC home loan products trustful as also economic and competitive in the Indian home loan market. HDFC Home Loan Interest Rate – Options to Choose – HDFC home loan interest rate is among the most competitive and economical in the home loan market of India! The bank offers fixed and floating options to choose from and maintains a rational rate structure under the two options. The home loan products are appropriately designed in terms of duration and selective financing slabs so as to bring in the desired options for the interest rate on offer. The home loans of HDFC have therefore emerged popular and appealing among the market options available!

HDFC Bank Home Loan – A Trusted Path To Your Dream Home HDFC Bank is a leading financial services company of India which is promoted by HDFC or Housing Development Finance Corporation. The bank came into existence in 1994 and has grown magnificently to become the largest bank of India in terms of market capitalization. Now operating as a frontline commercial bank, it has operational footprint in the sectors of mortgage banking, investment banking, equity, wealth management, credit cards and insurance among others. The bank has built up a sound consumers banking business through an array of products like home loans, savings services and the like. HDFC Bank home loan has become of the most successful and trusted products of the Indian home loan market on account of transparent deliveries, responsive and customized nature of the loan products. HDFC home loans offered with desired flexibilities HDFC home loans have been designed with due care and in line with responses from the society and the economy so as to deliver the required satisfaction to all types of customers. The home loans have inherent flexibilities with respect to the rate options – floating and fixed, duration of loan period and customer orientations. The bank has been serving the loan requirements of the rural areas effectively by offering home loans to the agriculturists, planters, dairy farmers and horticulturists. Easy loans for buying of houses in the city and towns as also for construction of house on the village land are provided to them. Besides, salaried employees – both in the government sector and the private, as also self employed individuals are availing HDFC home loans actively!

HDFC home loan to suit the housing needs of everyone HDFC home loan is offered for a variety of housing needs. Over the decades, housing requirements have shot up tremendously on account of rising population. The demand is particularly high in the urban regions. Responding to the emergent needs, HDFC Bank has been offering home loans for the construction of house on residential plots (urban and rural regions), purchasing a new house and for renovation and extension of the existing house (widely leveraged by the middle classes in the urban regions of India). Special benefits and exemptions are provided by the Bank like no requirement of IT returns from the farming community and no mortgage requirement of the agricultural land. Home loans for the NRIs are also provided. HDFC home loan interest rate – transparent and economical HDFC home loan interest rate is a symbolic transparent parameter of the bank and the scope of undue ambiguities and arbitrariness stands negated on account of properly laid down procedures. The loan feasibilities are attempted in a rational manner by the expert bank staff without any influences and favoritism. Loan processing is also a fairly transparent phenomenon and no hidden charges are added to the loan. Ready eligibility calculator can be availed for the active comparison of home loan options and accurate anticipative costing can be worked out. This has increased the public trust and appeal for HDFC home loan products in the yester decades.

HDFC Home Loan – Serving The Cause Of Housing Development In India HDFC Bank is a frontline financial services company of India that has been promoted by Housing Development Finance Corporation of India. Since its formation in 1994, the Bank has significantly diversified its portfolio through an array of consumer banking products and services of appeal. The institution has emerged as the fifth largest bank of India in terms of assets and has the asset value of US$ 66.7 billion (May 2013 figures). With a resurgent and ever increasing customer base of 28.7 million as on 31st March 2013, the bank is serving the social and economic needs of the Indian society in a diverse and satisfactory manner. HDFC home loan is one of the popular product arrays of appeal and is serving the housing needs in a satisfactory manner to add social development quotients to Bank’s brand value! HDFC home loans for a diversified social matrix HDFC home loans have been appropriately designed to serve the housing needs of all types of customers. Over the decades the housing needs have swelled up exponentially and people want to avail financial credits for fulfilling their needs. HDFC Bank has been actively engaged in the development and subsequent refining of its home loan products from time to time so serve social classes as diverse as farmers in the hinterlands to employed individuals in the urban cities. The bank offers home loans to the agricultural community, dairy farmers, horticulturists and planters to build their place of residence either in their own native rural land or their choice of city or town. Salaried workers in the government sector are offered easy loans while self-employed individuals are also served after rational evaluations and feasibilities by the experts. The bank is thus serving a diverse social matrix in a competitive and satisfactory manner.

HDFC Bank home loan – transparent and rational HDFC Bank home loan is a product transparency and rationality. The Bank has taken initiative in prioritizing its customer’s satisfaction and benefits and has been designing home loan products in accordance with standard procedures and statutory protocols. The bank while conforming to the RBI and governmental guidelines also incorporates the global best practices so as to build a resurgent and reliable business that earns trust and appeal from all! While shunning from all kinds of favoritism and irrationalities like hidden and embedded costs, the bank has garnered an active share in the Indian home loan market. The anticipative costing of the loans is done through the ‘home loan eligibility calculator’. The bank also has a tradition of public disclosures from time to time to display its business characteristics and financial figures. Competitive and economical HDFC Home loan interest rate! HDFC home loan interest rate is inherently competitive on account of transparent processing and no extra costs. Although home loan interest rate is a well regulated parameter, yet the bank has been successful in bringing the desired competitive value to its rate of interest. Resonant products with flexibilities in terms of duration of the loan and the sum offered have brought in overall economic tags to the home loan products of the bank.

Competitive HDFC Home Loan Interest Rate Under Various Options HDFC Bank which was established in 1994 was promoted by Housing Development Finance Corporation to pursue commercial banking operations with a broader portfolio of services and products. In the last two decades, HDFC Bank has become the largest bank of India as far as market capitalization is concerned. Operating with a wide operational footprint comprising investment banking, equity, wealth management, mortgage banking insurance and corporate banking, the institution particularly evolved successful in the filed of consumer banking operations for the general masses. With its burgeoning customer base of 28.7 million (as of 31st March 2013), HDFC Bank continues with its success story through resonant products like home loans, personal loans, savings/deposits and others. HDFC home loan interest rate is one of the most economical and competitive in the Indian home loan market and is responsible for generating a heavy base of satisfied dream home owners. The bank presently has to its credit more than 4.4 million of them! HDFC Home Loans Have Resonant Social Affinities! HDFC home loans have evolved as products of appeal among a wide array of socio – economic classes on India. In the last two decades, the Bank has complied actively with the authoritative guidelines and protocols of Reserve Bank of India and the Finance Ministry under the GOI to produce effective home loan products of popular acceptance. HDFC Bank has developed suitable products for differing consumer classes. It offers home loans to the rural populace comprising agro farmers, dairy farmers, horticulturists, and planters to assist them in securingtheir residence in the urban or rural areas of their choice. Salaried employees and self employed

persons are also availing home loans actively. The bank offers home loans for constructing house on the residential plots and buying of residential properties in the approved projects. Loans are also advanced for extension and renovation activities of the house. Although HDFC Bank has a resurgent consumer banking business in India, it serves with a global footprint. NRIs constitute a significant client base of the Bank!

HDFC Bank Home Loan Easily Accessible HDFC bank home loan is easily accessible through transparent and quick processing by the expert bank staff. The bank has laid down and subsequently refined the loan procedures, rendering the process as rational, quick and transparent. The formalities to be requisitioned on the part of the prospective beneficiary has been brought to minimum and the bank staff carry out swift evaluation and feasibility maneuvers to ascertain the prospective potentials of the loan in consideration. Certain exemptions are also available to the specific consumer classes like there is no need to mortgage agro land for the farmers as also no mandatory requirement of IT Returns for them! Salaried employees in the government sector are also offered easy home loans. HDFC Home Loan Serving Social Development Needs of India HDFC home loan products are serving effectively the social development cause in a responsive manner through the concerted efforts and experience of the bank. HDFC Bank has very well taken care of the priorities relating to customer’s satisfaction and trust and has succeeded in emerging as the fine institution of appeal in the socio economic matrix of India!

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