Are you looking to avail HDFC Home Loan in Vadodara?
HDFC can help you with their home loan offerings. HDFC is a trusted name in the housing finance market and has been providing home loans for over 40 years.
However, do note that retail applicants might find it difficult to deal with their staff directly (as evidenced by their Google Reviews – Links are provided below next to each branch’s address). Hence, I would strongly recommend filing your home loan application using a Home Loan Agent or DSA like ourselves.
We have processed home loans for hundreds of customers and offer this service at no extra charge to them. You can complete your entire application process at the comfort of your home free of charge.
Contact us today at +91 9900325870
HDFC Home Loan in Vadodara – Types Offered
HDFC offers a range of home loan products to cater to different needs of borrowers in Vadodara:
Home Loan for Purchase of New Property
Whether you’re a first-time homebuyer or upgrading to a bigger home, HDFC’s home loan for new property purchase can help you finance your dream house in Vadodara.
Home Loan for Resale Properties
If you’re looking to buy a resale property in Vadodara, HDFC’s home loan for resale properties is an ideal solution.
Home Construction Loans
HDFC provides construction loans for those planning to build their homes in Vadodara from scratch.
Plot Loans
If you want to purchase a plot in Vadodara and construct your home later, HDFC’s plot loans can help you achieve this goal.
Home Improvement Loans
HDFC offers home improvement loans for renovations, extensions, or repairs to existing properties in Vadodara.
Competitive Interest Rates and Flexible Tenures
The interest rates on HDFC home loans are competitive, with rates starting from around 8.5% per annum for salaried individuals in Vadodara. The rates depend on factors like loan amount, credit score, and income. HDFC also offers special interest rate concessions for women borrowers.
HDFC can finance up to 80-90% of the property value, reducing the burden of a large upfront payment. The maximum loan tenure is 30 years, depending on your age and repayment capacity. This extended tenure helps keep the EMIs manageable, making it easier for borrowers to manage their monthly financial obligations.
Eligibility and Documentation Requirements
To be eligible for an HDFC home loan, you need to meet certain criteria, including age limits, income requirements, and credit score thresholds. The criteria may vary based on your employment status and loan type.
For salaried applicants, HDFC typically requires the following documents:
- Identity proof (Aadhaar card, PAN card, passport, etc.)
- Residence proof (utility bills, ration card, etc.)
- Income proof (salary slips, Form 16, bank statements)
- Employment details (appointment letter, experience certificate, etc.)
For self-employed individuals, additional documents like ITR filings, business registration proofs, and bank statements may be required.
In addition to the above, property-related documents like sale deed, title documents, and approved plans will also be required.
Simple Application Process
The application process for an HDFC home loan in Vadodara is simple. You can apply online, at a branch, or through authorized representatives such as Vadodara.Estate. HDFC’s user-friendly online application platform makes it convenient for borrowers to initiate the process from the comfort of their homes.
HDFC’s or our representatives can guide you through the documentation process to ensure a smooth experience. The lender typically processes home loan applications within 7-15 working days, subject to the completeness of documents and fulfillment of all requirements.
Value-Added Services
In addition to the standard home loan offerings, HDFC also provides value-added services like top-up loans, balance transfer facilities, and loan restructuring options. These services can be beneficial for borrowers looking to consolidate their debts, avail additional funds for renovation or expansion, or restructure their existing loans to manage their finances better.
HDFC Vadodara Branch Locations
You can reach out to HDFC’s Vadodara branches for more information and guidance. Here are the branch addresses and phone numbers:
HDFC Home Loan Branches in Vadodara are open Monday to Friday 9.30 AM TO 3.30 PM. They remain closed every 2nd and 4th Saturday of the Month.
WAGHODIA ROAD
HDFC BANK, TRUPT – II, FIRST FLOOR, C-1 & 2, GAJANAND SOCIETY, UMA CROSS ROAD, VADODARA – 390019
Tel No.: 18002100018, 0265-6480799
BHAYLI
HDFC BANK, FIRST FLOOR, 130/131/132, SWC HUB, OPPOSITE RAJPATH COMPLEX, NEAR ESSAR PETROL PUMP, VASNA – BHAYLI ROAD, BHAYLI, VADODARA – 391410
Tel No.: 18002100018, 0265-6480799
RACE COURSE
HDFC BANK, HDFC HOUSE, TRIDENT, RACE COURSE, VADODARA – 390 007
Tel No.: 18002100018, 0265-6480799
MAKARPURA
HDFC BANK, UNIT NO. 01, FIRST FLOOR, RAAMA EMPERRO, NEAR SHELL PETROL PUMP, NR. DON BOSCO SCHOOL, OPP. SRP CAMPUS, AKASHVANI MAIN ROAD, MAKARPURA, VADODARA – 390009
Tel No.: 18002100016
SAMA SAVLI ROAD
HDFC BANK, 45-46, 2ND FLOOR, EARTH EON, OPP URMI SCHOOL, SAMA SAVLI ROAD, VADODARA – 390002
Tel No.: 18002100018, 0265-6480799
With HDFC’s expertise, competitive rates, flexible loan offerings, and customer-friendly services, you can make your dream of owning a home in Vadodara a reality. Whether you’re a first-time homebuyer or looking to upgrade, HDFC’s tailored solutions can cater to your needs.
Contact us today to get started on your home loan journey and take the first step towards securing your dream home in the vibrant city of Vadodara!
