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HDFC Bank NRI Home Loan

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Lowest interest rates starting from 7.1%

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₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.10% p.a.

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Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

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Expert Assistance at Every Step

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Additional Funds when Required

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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Compare & Choose the Best Offer

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Curated Offers from Multiple Lenders

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Highest Loan Approval Chances

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Easy & Transparent Borrowing Process

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

HDFC Bank NRI Home Loan Highlights

Interest Rate 7.90% - 13.20% p.a.
Loan Amount Depending on the property value and income
Loan Tenure Up to 15 years
Processing Fee Up to 1.50% of loan amount or Rs. 4,000, whichever is higher

Features of HDFC Bank NRI Home Loan

  • HDFC Bank offers NRI home loans to NRI, PIO and OCI.
  • The lender offers competitive interest rates with flexible repayment tenure of up to 15 years.
  • You can transfer both the principal and interest to the NRE savings account abroad and enjoy tax-free interest on the savings in your account.
  • Loan amount depends on the applicant’s repayment capacity and the property value.
  • No prepayment and foreclosure charges levied on the borrowers.
  • Tax deduction can be claimed for residential property under Section 80C on principal repayment and 24b on interest component.

HDFC Bank NRI Home Loan Interest Rate

HDFC Bank offers home loan interest rates to its NRI applicants starting from 7.90% p.a. The lender has not disclosed its differential interest rates. However, most lenders may factor in the credit score, loan amount, LTV ratio, job profile, loan type and monthly income before setting their home loan interest rates.

Comparison of Home Loan Interest Rates Offered by Top Lenders

Name of Lender Interest Rates
Axis Bank 8.00% p.a.
Bajaj Housing Finance 7.15% p.a.
Bank of India 7.10% p.a.
Canara Bank 7.15% p.a.
Easy Home Finance 8.99% p.a.
Federal Bank 8.75% p.a.
Godrej Housing Finance 7.60% p.a.
HDFC Bank 7.20%* p.a.
HDFC Sales Pvt. Ltd. 7.20%* p.a.
Home First Finance 8.00% p.a.
ICICI Bank 7.45% p.a.
IDBI Bank 7.35% p.a.
IDFC FIRST Bank 8.85% p.a.
India Shelter Home Loan 8.43% p.a.
Jio Housing Finance 8.20% p.a.
L&T Finance Limited 7.65%* p.a.
Piramal Capital Housing Finance 9.99% p.a.
PNB Housing Finance 7.50% p.a.
Punjab & Sind Bank 7.30% p.a.
Punjab National Bank 7.20% p.a.
RBL Bank 8.20% p.a.
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a.
Shubham Housing Finance 10.45% p.a.
State Bank of India 7.25% p.a.
Tata Capital Housing Finance 7.50% p.a.

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Your Dream Home

Documents Required for HDFC Bank NRI Home Loans

KYC Documents

Mandatory Documents- Valid passport, PAN card/Form 60, driving license, voter ID, job card issued by NREGA, Letter issued by National Population Register, Aadhar number possession proof, documents issued by Government Department of Foreign Jurisdiction, Letter issued by Foreign Embassy or Mission in India.

Income Documents-

  • Employment contract/Appointment letter/Offer letter
  • Salary slips/salary certificates for past 6 months
  • Bank statement for last 6 months reflecting salary credits and current/savings/NRE & NRO account
  • MOA and AOA
  • ITR, balance sheet and P&L statements alongwith income computation for last 3 years
  • Previous year’s P60 plus transfer letter

Property Documents-

For purchase of new home - Copy of allotment letter, payment receipt in the name of the developer

For purchase of resale home - Title deeds, initial payment receipt made to the seller, sale agreement copy

For Home Construction on a Non-Agricultural Plot - Title deed of plot, no encumbrance proof of the property, copy of plans, construction estimate

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Explore Our Home Loan Lenders

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FAQs

NRI applicants availing home loans from HDFC Bank are offered competitive interest rates based on the credit profile of the applicant.

HDFC Bank has not disclosed the maximum loan amount offered to its NRI applicants. However, the lender offers the home loan amount depending on the repayment capacity and property value of the applicant.

HDFC Bank offers NRI home loans for a tenure of up to 15 years.

Yes, you can avail tax benefits of up to Rs 3.5 lakh on NRI home loans under Section 80C on principal repayment and Section 24b on interest component. 

Yes, NRIs can transfer their existing home loans to HDFC Bank from other lenders at lower interest rate.

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quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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