Commercial Property Loans

Achieving your goals requires dedication and hard work but it begins with the right environment. With a workplace tailored for your profession, you can take your professional dreams to the next level. If you are a Doctor, Lawyer, Chartered Accountant or a Self Employed Businessman, HDFC Bank's Commercial Property Loans will help you own the workplace of your choice so that you can take a step closer to your business goals.

Key Features

Loans for the purchase of a new or existing clinic or office

Loans for the extension, improvement or construction of an office or clinic

Loans for transferring your outstanding loan availed from another Bank / Financial Institution

Expert legal and technical counselling to help you make the right property buying decision

Attractive interest rate

Easy and hassle free documentation

Simple repayments through monthly instalments

Integrated branch network for availing and servicing the loan anywhere in India

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HDFC Bank Home Loan Benefits

End to End Digital Process

HDFC Bank ’s online home loans provide you the facility to apply for a home loan online from the safety and convenience of your home or office.

24X7 Assistance

Our chat service on our website and WhatsApp are available 24X7 to assist you with your housing loan related queries.

Customized Repayment Options

HDFC Bank offers tailor-made housing loan to suit your requirements

Easy & Hassle free documentation

With minimal documentation, applying for a HDFC Bank 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.

Manage home loans digitally

Once you avail a HDFC Bank home loan, you can access your home loan account online on our website. You can download account statements, interest certificates, request for home loan disbursement and do much more.

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Application Process

Step by Step Process of How to Apply for a Home Loan

Step 1: Visit the website of the online home loan provider – https://www.hdfc.com
Step 2: Click on ‘Apply for Home Loan’
Step 3: To find out the home loan amount you are eligible for, click on ‘Check Eligibility’.
Step 4: Under the ‘Basic information’ tab, select the type of housing loan you are looking for (home loan, house renovation loans, plot loans, etc.). You can click on the link beside the loan type for more information.
Step 5: If you have shortlisted a property, click on ‘yes’ in the next question and provide the property details (state, city and estimated cost of property); if you haven’t yet decided on the property, select ‘no’. Fill in your name under ‘Applicant’s Name’. If you want to add a co-applicant to your home loan application, select the number of co-applicants (you can have a maximum of 8 co-applicants).
Step 6: Under the ‘Applicants’ tab, select your residential status (Indian / NRI), provide the state and city you are currently residing in, provide your gender, age, occupation, retirement age, email ID and mobile number, gross/total monthly income, and EMI paid each month for all existing outstanding loans.
Step 7: You will then be taken to the ‘Offers’ tab where you will see home loan products that you can avail of, the maximum loan amount you are eligible for, the EMI payable and the loan tenure, interest rate and whether the interest is fixed or floating.
Step 8: Select the loan product you would like to apply for. You will be taken to the home loan application form where the details you have already provided (such as your name, email ID, etc) will be prefilled. Fill in the balance details – your date of birth and password and click on ‘Submit’.
Step 9: You will then be required to upload all the documents.
Step 10: Now all you have to do is pay the processing fees and your online housing loan application is complete.

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Why Apply for a Home Loan with HDFC Bank

HDFC Bank 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 Bank’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.

You can now apply for a home loan online in 4 simple steps with HDFC Bank’s quick and easy apply online module.

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Things to Check/Do Before You Apply for a Home Loan

The following points need to be kept in mind before applying for a home loan

Check your loan eligibility before starting your home loan application.
Go through the list of documents required and keep them ready before starting your home loan application process.
Be clear about the type of home loan you need (home loan, home improvement loan, plot loan, etc.)
Read the FAQs before starting your loan application process.
Make sure you provide all the details that the home loan provider will need to process your application.

Benefits of Taking a Home Loan

It helps you avail funds for home purchase
It can take years to accumulate sufficient funds for buying a house. However, you don’t need to wait this long. You can simply take a home loan to purchase your dream house.
It offers Tax Benefits
A home loan offers income tax benefit on the interest and principal repayments. You can claim tax deduction on principal repayments u/s 80C and on interest repayments u/s 24B.
Low interest rates
Interest rates on home loan are lower than other types of loans. Availing a housing loan has become very affordable today.
Customised repayment options
Home loan providers tailor your home loan repayment to suit your requirements.

How do I Improve My Chances of Getting a Home Loan?

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.
Obtain your credit report periodically, say once or twice in a year, verify the same for errors and get them rectified as and when required.
Ensure that the documentation of your home loan application is in order as per the requirement of the lender.
Avoid frequent job changes as this presents a picture of instability.
Check with the lender if the property that you have shortlisted will be considered for a housing loan. At the same time, do an independent due diligence.
You can take the following steps to improve your chances of getting a home loan

Do’s and Don’ts while Applying for a Home Loan

Do’s	Don’ts
Check your housing loan eligibility before starting your home loan application	Avoid making an application for an adhoc loan amount without checking your eligibility
Go through the list of documents required and keep them ready before starting your online application process	Don’t leave out submitting important documents.
Be clear about the type of loan you need (home loan, home improvement loan, plot loan, etc.)	Don’t ignore you CIBIL score while making your loan application (your score has an impact on your loan application)
Read the FAQs before starting your loan application process
You could use the online chat facility if you have any queries.
Make sure you provide all the details that the home loan provider will need to process your application.

Commercial Property Loan Eligibility Details

Self-Employed Professional (SEP)

Age :

18 - 80 years
Profession

Self Employed
Nationality

Resident Indian
Tenure

Up to 15 years