I don’t think there would be anybody who has not heard of HDFC bank, the biggest in size and operations. Home loans are a core area of bank’s operations. The process is quite simple still guided with certain terms and conditions. Whosoever wants to apply for home loan with HDFC should acquaint themselves with these terms and conditions so has to have the best and easiest home loans.


You can apply for a loan either individually or jointly with your partners. In case of joint application only blood relations are considered like sister, brother-sister, brothers, father-son, mother-son, daughter-father, wife-husband and other similar combinations. In most of the cases the bank grants loan for 85% of the amount applied for meaning if you apply for 100% loan you get approval for only 85% amount. The loan has to be repaid within 20 years from the date it has been taken.