HDFC offers customised for resident as well non-resident Indians. 

Let’s explore different types of HDFC Housing Loans:

HDFC Home Loans- for Purchase of New Residential Units

• Home loan for purchase of a new house from a private developer or housing development authorities.
• Both salaried & self-employed can apply for HDFC Home Loans.
• Maximum repayment tenure is 30 years for Telescopic Repayment under Adjustable Rate Home Loan.
• Loan amount can vary from 75% to 90% of property value. The margin ranges from 10% to 25%.
• Flexible repayment options are available.

HDFC Home Loans- For Purchase of Resale Homes

• Home loan for the purchase of resale property under a co-operative housing society or apartment owners’ association or development authority, or a privately built home.
• Repayment tenure & margin terms are same as regular home loan.

HDFC Home Loan for Construction of Houses

• Loan for funding construction of a home on a freehold plot or a plot allotted by Development Authority.
• Home loan can be applied with co-applicant(s) to enhance eligibility.
• Repayment options, eligibility criteria and margin requirement are similar to home loan for new and pre-owned houses.

HDFC Home Loan Balance Transfer

• HDFC Home Loan Transfer lets you surrender previous loan and transfer home loan balance to HDFC Ltd.
• No maximum limit for balance transfer.
• Top-up with HDFC home loan transfer is capped at Rs. 50 Lakhs.
• Past credit history, market value of property and repayment capacity will determine eligibility.
• Margin requirements are same as regular Home Loan.
• Maximum tenure allowed under HLBT is 20 years. 
• Extension up to 30 years is allowed only for Telescopic Repayment Option under Adjustable Rate Home Loan.

HDFC Home Improvement Loans

• Housing loan for home improvement, repair or renovation.
• Available to existing as well as new customers.
• Maximum tenure of 15 years.
• Existing customers can avail of 100% of the estimated costs subject to the market value of the property. LTV ratio up to 75% to 90%.
• Margin for new customers- 10% to 25% of market value of property.

HDFC Home Extension Loans

• Loan for extension of residential unit such as adding a room or constructing additional floor(s), subject to approval from concerned authority.
• Max tenure of 20 years.
• Loan terms depend on construction estimate.
• Margin of 10% to 25%, depending on loan amount & market value of property.

HDFC Plot Loans

• Loan for purchasing a residential land/ plot through direct allotment or resale.
• Other lender’s plot loan transfer is allowed. 
• The maximum loan tenure is 15 years.
• Margin capping is 20% to 25% of the property cost: 20% for loans up to Rs. 75 Lakhs and 25% for loans over Rs. 75 Lakhs. 
• In case the plot is located outside city limits, higher margin of 30% can be placed.
• Eligibility criteria & repayment options are similar to other HDFC Home Loan variants.

HDFC NRI Home Loan

• Home Loan for Non-Resident Indians (NRIs), Person of Indian Origin (PIO) and Overseas Citizen of India (OCI).
• Housing finance for NRIs living in the Middle East Countries, Singapore, the United Kingdom and many other places.
• Home loan advisory services available in resident countries.
• HDFC Ltd also provides property search advisory services.
• Home loan can be availed to purchase property located anywhere in India where HDFC has an office.
• Merchant Navy personnel can also avail this facility.
• The maximum repayment tenure is 20 years. 
• You can use the Tranche-Based EMI option.

HDFC Pre-Approved Loan Scheme

• All eligible borrowers can avail Pre-Approved Home Loan from HDFC i.e. a letter of provisional sanction for a few months. 
• Pre-approved home loan sanction helps to negotiate better deals with builders. 
• Loan is approved as you share details of property. 
• Regular terms & conditions apply.

HDFC Short Term Bridging Loans

• Home Loan to buy a new residential unit while waiting for the sale of your existing home.
• Repayment is through monthly instalments of simple interest with lump sum repayment at the end of the term.
• The maximum loan tenure period is 2 years.
• The margin is 20% of the property cost for loans up to Rs. 75 Lakhs and 25% of the property cost for loans above Rs. 75 Lakhs.

HDFC Rural Housing Finance

• Home loan for purchase, construction, renovation of homes in rural areas by people residing in rural areas/ villages.
• Categories eligible to apply:  Agriculturists, planters, horticulturists, dairy farmers and so on.
• Salaried and self-employed individuals can also avail of this loan to purchase or construct residential property in their village.
• Agriculturists need not mortgage their agricultural land for availing Home Loan under this scheme. They need not submit IT returns. 
• Maximum loan tenure is 20 years for all agriculturists.
• The margin requirement is 10% to 25% of the property cost.

HDFC Pradhan Mantri Awas Yojana

• PMAY is the pilot home loan subsidy schemed offered by the Government of India.
• HDFC is one of the institutional lenders that can lend to beneficiaries under this Credit-Linked Subsidy Scheme.
• The maximum interest subsidy available in PMAY is 2.67 Lakhs.
• People from the Economically Weaker Sections (EWS), Lower Income Group (LIG), and Middle Income Group (MIG-I and MIG-II) not owning residential property in their names/ or in the names of immediate family members are eligible for interest rate subsidy on home loan under PMAY.

In Collaboration with Army Group Insurance Fund (AGIF)

• Armed Forces Personnel can avail finance from HDFC in addition to the borrowing from the AGIF for purchase or construction of houses.

HDFC Reach

• This is affordable home loan scheme by HDFC. 
• All benefits applicable as under regular home loans.
• The borrower should have a minimum salary of Rs. 10,000 per month or an annual income of Rs. 2 Lakhs in case of self employed individuals.
• Maximum tenure is 30 years for Home Loans, home extension loans and re-finance home loans under the category. Other home loan variants are capped at 15 years.
• The margin requirement is 20% for Home Loans, home extension loans, home improvement loans, and top-up loans. It is 40% for non-residential premises and plot loans and 50% for Loan against Property.
• This product is a 3-year fixed rate variant under the TruFixed Home Loan category.
• Rate of interest will vary as per repayment capacity and loan tenants. 

Also check AnyRoR Gujarat Land Record.