Home Loans for

ROPOSED
ure / false declaration can lead to cancellation of your loan With you, right through Non-Resident Indians (NRIs) /
Regd. Office: Ramon House, HT Parekh Marg,169, Backbay Reclamation, Persons of Indian Origin (PIOs)
Outstanding Monthly Instalment Term Mumbai 400 020. e-mail: hdfc@emirates.net.ae OR info@hdfcindia.com
Visit us at www.hdfc.com B R O C H U R E C U M A P P L I C AT I O N F O R M
Amount (Rs.) Payable (Rs.) (Months)
HDFC offers you Loans for Homes - for buying or constructing your home or What are the fees and charges payable and when are they payable?
____________ ____________ _________ even to extend or improve your existing home. HDFC will also finance FEES:
purchase of land, from approved agencies to help you construct a home of your
____________ ____________ _________ choice. You could acquire a self-contained flat in an existing or proposed co- A one time fee of 1.25% is payable on the loan amount applied for. This fee
operative society, in an apartment owners association or even an independent is in respect of costs incidental to the application. Taxes as applicable will be
____________ ____________ _________ single-family or multi-family bungalow or row house. charged on the fees collected.
HDFC, through its office in Dubai and Service Associates in Abu Dhabi, CHARGES:
Sharjah, Kuwait, Oman, Qatar and Saudi Arabia (Al Khobar, Jeddah & Riyadh)
____________ ____________ _________ offers to the Middle East based NRIs/PIOs who wish to acquire homes in India: For Fixed Rate Home Loans (FRHL) and FRHL with Money Market Condition
Advisory services in real estate i.e. information and services regarding (MMC) Clause an early redemption charge of 2% of the amount being prepaid
____________ ____________ _________ ●
is payable, if the amount being repaid is more than 25% of the opening
buying and selling of real estate in India.
____________ ____________ _________ balance*. However, under Adjustable Rate Home Loans (ARHL) option early
● Advisory services in real estate financing i.e. facilitate NRIs/PIOs taking redemption charges of 2% is payable only in case of commercial refinance. You
loans from HDFC – India. may be required to submit copies of your Bank Statments or any other
NT IN ROW 1)
GENERAL INFORMATION ON HOME LOANS documents that HDFC deems necessary to verify the source of prepayment.
Type of account Account No.(s)
What is the maximum loan amount I can borrow? You can make payments for fees and charges by cheque marked "Payee's
NRE NRO NRSR account only" drawn on a bank in a city where HDFC has an office or by
You can avail of a maximum loan of 85% of the cost of the property, including demand draft (payable at par to HDFC).
cost of the land, or the loan eligibility whichever is lower.
NRIs/PIOs based in the Middle East are requested to pay the fee in UAE
How will HDFC decide the loan amount I am eligible for? Dihrams by cheque (if based in Dubai) or Bank Demand Draft (if based
Subject to the above, your repayment capacity as determined by HDFC, will elsewhere in the Middle East) drawn in favour of “Housing Development
OVED) (PLEASE COMPLETE AS APPLICABLE) Finance Corporation Limited”.
help decide how much you can borrow. Repayment capacity takes into
consideration factors such as income, age, qualifications, work experience, *Subject to terms and conditions.
: Sq.mts. number of dependants, spouse’s income, assets, liabilities, stability and
continuity of occupation, alternate employment prospects when you return to What is the rate of interest that will be charged on my loan and what will
: Sq.mts. India and savings history. And, of course, HDFC’s main concern is to make sure be the Equated Monthly Instalment (EMI)?
: Rs. you can comfortably repay the amount you borrow. For the current rates of interest and EMIs please check with HDFC.
When can I make an application? Under the monthly rest option, interest is calculated on monthly rests. Principal
: Rs. You can apply for a loan whilst you are working abroad, to plan for your return a) Employment contract (if the e) Identity card issued by current
to India in the future. The application can also be made even if the property
: has not been selected or the construction/improvement has not commenced. contract is in a language other employers.
than English, an English f) Visa stamped on the passport.
Yes No How do I make an application? translation of the same attested
by the Embassy/Employer should g) Continuous Discharge Certificate
ole owner of the dwelling unit ? ■ ■ It’s simple! Complete the application form attached to this brochure and submit (CDC) - (for applicants employed
it along with the supporting documents at any HDFC office be given).
e to the dwelling unit clear ? ■ ■ in the merchant navy).
or Service Associate that is convenient to you. On b) Past occupational history.
able to obtain first mortgage receipt of the completed application form with the h) Overseas Bank Account Statement
prescribed fee (including taxes as applicable) c) Latest salary slip/certificate. for the last four months.
ling unit ? ■ ■
HDFC will consider your application, make d) Latest work permit/Labour card. i) Latest Credit Bureau report.**
enquiries as it deems necessary and convey its
Download decision to you. repayments are credited at the end of every month.
will you be able Are you a citizen(s) of application form You can also appoint a Power of Attorney in At HDFC you have the choice between the normal FRHL & FRHL with Money
_______________ India? India and the Power of Attorney should be Market Clause and the innovative Adjustable Rate Home Loan (ARHL).
_______________ or apply online at executed as per the draft provided by HDFC. Alternatively, you can also avail part of the loan under FRHL and balance under
■ Yes ■ No. www.hdfc.com ARHL.
details of your Can I apply for a loan to repay a
Do you belong to housing loan availed by me from another HDFC also offers you the option to switch between schemes* for a nominal fee.
ernal) Account/ bank / housing finance company?
nary) Account/ ■ SC ■ ST ■ NA Interest rates on the ARHL will be linked to HDFC’s Retail Prime Lending Rate
Yes, you can avail of HDFC’s home loan to (RPLR). The rate on your loan will be revised every three months from the date
ndia from which Did you get to know HDFC repay a loan availed by you from another bank of the first disbursement, if there is a change in RPLR, i.e. the interest rate on
s will be issued for / housing finance company. your loan may change. However, the EMI on the Home Loan disbursed will not
through: change*. (If the interest rate increases, the interest component in an EMI will
■ Advertise increase and the principal component will reduce, resulting in an extension of
________________ ■ Service Associates the term of loan, and vice versa when the interest rate decreases).
________________ ■ Builder/Developer HDFC offers special rates for its loyal customers (past & present). Existing
housing loan customers can avail the Home Improvement Loans (HIL) at special
________________ ■ Friends/Relatives terms.
*Subject to terms and conditions.
**Applicable to customers residing in countries where Credit Bureaus exists. eg. USA, UK etc.
otection Products offered by HDFC Bank ?
■ No ■ Savings Bank Account ■ Credit Card ■ Other Loans What are the supporting documents to be submitted along with an
application?
be from india and the other from the city where you currently stay) The following documents are to be submitted along with the application:
1. Employment / Residency related documents:
Photo copies of :
2. Property Related Documents:
Pin: — — — — — —
a) Receipts for payments made for purchase of the dwelling unit.
(R) — — — — — b) Copy of approved drawings of proposed construction/ purchase/ extension.
————— ———————— ————————
c) Agreement for sale / sale deed / detailed cost estimate from Architect /
Engineer for property to be purchased/constructed/ extended/improved.
d) Allotment letter from the co-operative society / association of apartment
the basis of any loan HDFC may decide to grant me/us. I/We confirm that I/We have
he brochure and understood the contents. I/We am/are aware that HDFC offers loans owners.
application form. I/We am/are aware that the Equated Monthly Installment comprising
tion indicated in the application form. I/We are aware that the options on interest rate
n such terms and conditions as decided by HDFC. I/We agree that HDFC may take up
regarding any change in my/our occupation/employment and to provide any further
to HDFC and information pertaining to the loan to any institution or body. HDFC may
ittance from abroad through normal banking channels and/or out of the Non-Resident Applicants from the Middle East can co-ordinate all their future
ing unit, as per guidelines of the Reserve Bank of India. I/We further agree that my/our
plication without giving any reasons therefor. requirements through the HDFC Dubai Office.
A42/08/2005/30

o-applicant's Signature ________________________ HDFC loan, for home, back home

Fsgpl/Jobs/3155_16-03-02_New File/NRI_Appl Form_A4_fsgpl.qxd Date:18-03-02 120 Elp Cy Ye Ma Bk

 evaluated, all legal documentation has been completed and you have invested INDIVIDUAL LOAN APPLICATION FORM FOR NON-RESIDENT IN
your own contribution in full. Own contribution is the total cost of the property
less HDFC’s loan.
PERSONS OF INDIAN ORIGIN
If you are based in the Middle East you can request for the disbursement of your PERSONAL INFORMATION OF APPLICANT(S)
loan through our office in Dubai or our Service Associates in Abu Dhabi, Kuwait,
Oman, Qatar, Saudi Arabia and Bahrain. Surname First
In how many instalments can the loan be disbursed? Applicant Name
The loan will be disbursed in full or in suitable instalments (normally not exceeding Father’s/Husband’s Name
three in number) taking into account the requirement of funds and progress of Co-Applicant Name
construction, as assessed by HDFC. And on a disbursement request letter given by
you and not necessarily according to a builder’s agreement. Date of Birth Age Sex Marital Status
You are advised in your own interest to enter into such agreements with builders Applicant ■ Male ■ Female ■ Single ■ Married ■
whereby payment is dependent upon the progress of work and not on a time-based Co-applicant ■ Male ■ Female ■ Single ■ Married ■
schedule.
Residential Address (mention detailed address in city where you are based)
3. Additional documents to be submitted by PIOs Can I repay my loan ahead of schedule?
Yes. You can repay the loan ahead of schedule, either in part or in full, by i) P.O. Box ii) Detailed Address
A photocopy of PIO Card. If the individual does not have a PIO Card,
photocopies of any of the following are to be submitted. remittances from abroad through normal banking channels, your Non-Resident iii) e-mail
(External) Account and/or Non-Resident (Ordinary) Account/NRSR Account in
a. Photocopy of the current Passport indicating birthplace as ‘INDIA’. India.HDFC also offers a facility to accelerate the repayment of the loan by Permanent Residential Address (in India)
b. Photocopy of Indian passport, if held by the individual earlier. increasing the EMI at anytime, this will help you to repay your loan faster. This Pin: — — — — — —
c. Photocopy of parents/grandparents Indian Passport/birth certificate/ marriage acceleration facility is available free of charge.
Name and Address of Local Contact/Power of attornery (in India)
certificate substantiating the individual’s claim as a person of Indian origin. In what form can I make payments to HDFC?
Pin: — — — — — —
4. Power of attorney as per HDFC’s draft. Payments for fees, charges, and pre-EMI interest should be remitted to HDFC from
abroad through normal banking channels or from the Non-Resident (External) Applicant Passport No. — — — — — — — — — —
Who can be co-applicants? Account/Non-Resident (Ordinary) Account/NRSR Account in India. Co-applicant Passport No. — — — — — — — — — —
Proposed owners of the property, in respect of which you are seeking financial EMI payments are to be made through post dated cheques from your Non-Resident
assistance will have to be co-applicants. However, all co-applicants need not be (External) Account/Non-Resident (Ordinary) Account/NRSR Account. EMPLOYMENT INFORMATION
co-owners. APPLICANT
Cash payments will not be accepted.
What is the maximum term in which I can repay the loan? Occupation ■ Employed ■ Self Employed
Does the Agreement for Sale have to be registered?
The term of repayment of the loan is upto seven years. (Term beyond 7 years upto
a maximum of 20 years offered to NRI Professionals) However, HDFC endeavours In many states in India, the Agreement for Sale between the builder and purchaser Designation
to determine the repayment term to suit your convenience. is required by law to be registered. You are advised, in your own interest to lodge Qualifications
the Agreement for registration within four months of the date of the Agreement at
How do I repay the loan? the office of the Sub-Registrar appointed by the State Government, under the Monthly Income Rs.
You repay the loan in Equated Monthly Instalments (EMIs) comprising principal and Indian Registration Act, 1908. Other Income Rs. Source:
interest. Repayment by way of EMI commences from the month following the Are there any restrictions on transfer of immovable properties?
month in which you take full disbursement. EMI is payable every month, by the Employer/Business name
end of that month. In terms of Chapter XXC of the Income Tax Act, 1961, the Central Government has
the first option to purchase certain immovable properties exceeding certain value and address (Pleasse
In respect of the period prior to commencement of EMI, you pay interest on the and as such transactions covered by this Chapter can be proceeded with only after mention the address of the
amount of the loan disbursed. This interest is called Pre-EMI interest. Pre-EMI complying with the requirements prescribed therein.
interest is payable every month, by the end of the month, from the date of each office you are based at)
disbursement upto the date of commencement of EMI. Pre-EMI is calculated at the Does the property have to be insured? Office Phone No.
same rate at which EMI is calculated. — — — — — — — — — — — — — Fax:— — — — — — — — —
You will have to ensure that the property is duly and properly insured for fire and Mobile No.
EMI payments are to be made through post dated cheques from your Non-Resident other appropriate hazards, as required by HDFC, during the pendency of the loan — — — — — — — — — —
(External) Account/Non-Resident (Ordinary) Account/Non-Resident (Special) and to produce evidence thereof to HDFC, each year and/or whenever called upon No. of yrs in present occupation years
Rupee Account (NRSR) in India. to do so. HDFC should be the beneficiary of the insurance policy. Department Employee No.
Do I have flexibility in repayment terms? Will HDFC assist me in selecting accommodation of my choice?
HDFC offers you various flexible repayment options like Step Up LOAN REQUESTED TYPE OF LOA
Yes, HDFC will be glad to be of assistance in selecting accommodation of your
Repayment Facility (SURF), Flexible Loan Instalment Plan (FLIP), Balloon
Payment Plan and Structured Repayment Plan. These flexible repayment choice in select cities in India. For information on this service, do contact our Loan Amount Rs. : ___________________ Term: yrs.________ Rest Frequency
options give you the freedom to structure the repayment schedule to suit Counsellor or log on to HDFCrealty.com. Rate Option
Your monthly Expenditure Rs. : ____________
your individual needs. Value additions from HDFC Group companies:
Instalment you and co-applicant
What security will I have to provide? Only HDFC Home Loans offer you a specially designed life insurance (if any) can pay to HDFC per month Rs. : ____________ ■ Home Loan
Security for the loan is a first mortgage of the property to be financed, normally by cover* at an attractive price from HDFC Standard Life, Home/Accident ■ Home Extensi
way of deposit of title deeds and/or such other collateral security as may be Insurance Product from HDFC Chubb General Insurance Company Ltd., LOAN DETAILS
necessary. Interim security may be required, if the property is under construction. automatic repayment of HDFC Home Loan EMIs from your HDFC Bank
Collateral or interim security could be assignment to HDFC of life insurance Savings Account, an HDFC Bank Savings Account with a low Average Purpose of Loan ■ Construction ■ Purchase ■ Extension ■ Im
policies, the surrender value of which is at least equal to the loan amount, Quarterly Balance, free HDFC Bank International Credit Card** and Estimate of Requirement of funds Estimat
guarantees from sound and solvent guarantors, pledge of shares and such other lower Interest rates for other loans availed from HDFC Bank.
investments that are acceptable to HDFC. 1. Land cost Rs. : ________________ 6. Loan
* HDFC Home Loan Protection Plan Form No. SN14. HDFC Standard Life Insurance Co.Ltd.
Please do ensure that the title to the property is clear, marketable and free from Insurance is the subject matter of solicitation. Fixed
encumbrance. To elaborate, there should not be any existing mortgage, loan or ** For the first year. 2. Total purchase price/construction cost Rs. : ________________ Fixed
litigation which is likely to affect the title to the property adversely.
When can I take disbursement of the loan? Are these policies subject to change? Adjus
You can take disbursement of the loan after the property has been technically 3. Incidental costs (if any) Rs. : ________________ 7. Saving
Yes. These policies will be reviewed periodically.
e.g. Stamp duty, Registration charges, etc. 8. Dispo
Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal record. (fixed
4. Other costs (please specify) Rs. : ________________ 9. Amou
INSTRUCTIONS (PLEASE READ CAREFULLY) 5. Loan outstanding (for refinance) Rs. : ________________ 10. Prov
11.Other
1. Please read the BROCHURE carefully. A. Total requirement of funds (Total) Rs. : ________________ B. Estim
2. The application form is provided to obtain relevant details to help us process your application.
Any other information that you feel is necessary could be detailed in a covering letter. Note: 'A' which is the total requirement of funds, should equal estimate of sources, 'B
It is important that you indicate in detail the sources from where the cost will b
3. Please write or type in BLOCK LETTERS, e.g. S A T I S H
4. Fill ✔ where applicable Marital Status
e.g. indicating married status. ❑ Single ✓ Married
❑ ❑ Other

PASTE RECENT PASTE RECENT

5. All details must be filled in. If not applicable please write N.A. PHOTOGRAPH PHOTOGRAPH
6. Applicants should ensure that the application is complete in every respect and all the required documents are submitted OF OF
with this application. A complete form with necessary documents will help us process your application faster. APPLICANT CO-APPLICANT
WITH WITH
7. HDFC reserves the right to reject any application at any stage without assigning any reason. SIGNATURE SIGNATURE
8. Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal
record.

Fsgpl/Jobs/3155_16-03-02_New File/NRI_Appl Form_A4_fsgpl.qxd Date:18-03-02 120 Elp Cy Ye Ma Bk

INDIVIDUAL LOAN APPLICATION FORM FOR NON-RESIDENT INDIANS /
PERSONS OF INDIAN ORIGIN With you, right through

●
●

● LAND LOANS FOR HOUSING

● HOME EXTENSION LOANS

● HOME IMPROVEMENT LOANS

● HOUSING LOANS

NON-RESIDENT INDIANS
LOAN FACILITIES OFFERED BY HDFC TO
Regd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation,
PERSONAL INFORMATION OF APPLICANT(S)

SALES PROPERTY VALUATION

PROPERTY RELATED SERVICES IDENTIFICATION &
Mumbai 400 020. Ph.: (91)(022) 56316000,22820282. Fax: (91)(022) 022-22811205.
Surname First Name Middle Name Co-applicant
Applicant Name Relationship
Father’s/Husband’s Name with applicant
Co-Applicant Name
Date of Birth Age Sex Marital Status Status No. of Dependants
Applicant ■ Male ■ Female ■ Single ■ Married ■ Other ■ Non-Resident ■ PIO’s ____ Children ____ Others
Co-applicant ■ Male ■ Female ■ Single ■ Married ■ Other ■ Non-Resident ■ PIO’s ____ Children ____ Others
Residential Address (mention detailed address in city where you are based)
i) P.O. Box ii) Detailed Address
iii) e-mail Phone: — — — — — — — — — — — — —
Permanent Residential Address (in India)
Pin: — — — — — — State: Phone: — — — — — — — — — — — — —
Name and Address of Local Contact/Power of attornery (in India)
Pin: — — — — — — State: Phone: — — — — — — — — — — — — —
Applicant Passport No. — — — — — — — — — — Resident Visa Validity upto: — — — — — — — —
Co-applicant Passport No. — — — — — — — — — — Resident Visa Validity upto: — — — — — — — —
EMPLOYMENT INFORMATION
APPLICANT CO-APPLICANT
Occupation ■ Employed ■ Self Employed ■ Employed ■ Self Employed
Designation
Qualifications
Monthly Income Rs. Rs.

2)
1)

B) A person of Indian Origin is a citizen of any country other than Bangladesh or

d) Officials of State Governments and public sector undertakings deputed abroad on

c) Government servants deputed abroad on assignments with foreign Governments or

b) Government servants who are posted abroad on duty with the Indian missions and

a) Indian citizens who stay abroad for employment or for carrying on business or vocation
A) Non-Resident Indians are:
Under the Foreign Exchange Management Act of 1999,
Other Income Rs. Source: Rs. Source:

of the Constitution of India or the Citizenship Act 1955 (57of 1955) or

He or either of his parents or any of his grandparents was a citizen of India by virtue
He at any time held an Indian Passport or
Pakistan if:

temporary assignments or posted to their branches or offices abroad.

and the Pacific (ESCAP), or

(IMF), World Health Organisation (WHO), Economic and Social Commission for Asia
regional/international agencies like the World Bank, International Monetary Fund

draw their salaries out of Government resources, or

similar other agencies set up abroad by the Government of India where the officials

of stay abroad, or
outside India or for any other purpose in circumstances indicating an indefinite period
Employer/Business name
and address (Pleasse
mention the address of the
office you are based at)
Office Phone No. — — — — — — — — — — — — — Fax:— — — — — — — — — — — — — — — — — — — — — — — — — — Fax:— — — — — — — — — — — — —

Mobile No. — — — — — — — — — — — — — — — — — — — —

No. of yrs in present occupation years years

Department Employee No. Employee No.
LOAN REQUESTED TYPE OF LOAN
Amount Rs. : ___________________ Term: yrs.________ Rest Frequency ■ Annual ■ Monthly Signature
Rate Option ■ Fixed ■ Adjustable of
Your monthly Expenditure Rs. : ____________
■ Fixed MMC ■ Combination Applicant_____________________
Instalment you and co-applicant
(if any) can pay to HDFC per month Rs. : ____________ ■ Home Loan ■ Home Improvement Loan ■ Home Conversion Loan
■ Home Extension Loan ■ Land Purchase Loan ■ Short Term Bridging Loan
LOAN DETAILS
Purpose of Loan ■ Construction ■ Purchase ■ Extension ■ Improvement ■ Refinance
Estimate of Requirement of funds Estimate of Sources to meet requirement of funds
1. Land cost Rs. : ________________ 6. Loan requested from HDFC
Rs. : _________________

4)

3)

2)
1)
Indians/Persons of Indian Origin by HDFC. The guidelines are:
The Reserve Bank of India has issued certain guidelines for granting loans to Non-Resident
Non-Resident Indians/Persons of Indian Origin:
Guidelines issued by the Reserve Bank of India for grant of housing loans to

3)
Fixed Rate
2. Total purchase price/construction cost Rs. : ________________ Fixed Rate with MMC Clause Rs. : _________________

acquired.
The loan shall be fully secured by equitable mortgage of the dwelling unit being
NRSR Account in India.
Resident (External) account and/or the Non-Resident (Ordinary) account and/or
to be remitted to HDFC from abroad through normal banking channels, the Non-
Repayment of the loan, comprising of principal and interest including all charges are
(Ordinary) account and/or Non-Resident (Special) Rupee Account (NRSR) in India.
from the Non-Resident (External) account in India and /or the Non-Resident
can be met from direct remittances from abroad through normal banking channels,
Own contribution, which is the cost of the dwelling unit financed, less the loan amount,
The loan amount should not exceed 85% of the cost of the dwelling unit.

or 2.
The person is a spouse of an Indian Citizen or a person referred to above in clause 1
Adjustable Rate Rs. : _________________
3. Incidental costs (if any) Rs. : ________________ 7. Savings from Bank Rs. : _________________
e.g. Stamp duty, Registration charges, etc. 8. Disposal of investments
(fixed deposits / shares, etc.) Rs. : _________________
4. Other costs (please specify) Rs. : ________________ 9. Amount already spent (source __________) Rs. : _________________
5. Loan outstanding (for refinance) Rs. : ________________ 10. Provident Fund (refundable/non-refundable) Rs. : _________________
11.Other (specify ________________________) Rs. : _________________
A. Total requirement of funds (Total) Rs. : ________________ B. Estimate of sources of funds (Total) Rs. : _________________
Note: 'A' which is the total requirement of funds, should equal estimate of sources, 'B' which indicates the sources from where the cost will be met.
It is important that you indicate in detail the sources from where the cost will be met in order to help us process your application faster.

FOR OFFICE USE ONLY

PASTE RECENT PASTE RECENT Fees : Rs. _____________________________________
PHOTOGRAPH PHOTOGRAPH
OF OF Date : ________________________________________
APPLICANT CO-APPLICANT
WITH WITH Initials : ________________________________________
SIGNATURE SIGNATURE
File No. : ________________________________________
________________________________________________
 www.hdfc.co
GENERAL INFO

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●

A42/08/2005/30
■ Savings Bank Account ■ Credit Card ■ Other Loans

Pin: — — — — — —

had no insolvency proceedings against me/us nor have I/we ever been adjudicated insolvent and further confirm that I/we have read the brochure and understood the contents. I/We am/are aware that HDFC offers loans
I/We declare that all the particulars and information given in the application form are true, correct and complete and that they shall form the basis of any loan HDFC may decide to grant me/us. I/We confirm that I/We have
under a fixed interest rate option as well as under variable interest rate option and that I/we have selected the option indicated in the application form. I/We am/are aware that the Equated Monthly Installment comprising
and the frequency of rests once selected cannot be changed and any change(s) may be permitted only at the sole discretion of HDFC on such terms and conditions as decided by HDFC. I/We agree that HDFC may take up
principal and interest is calculated on the basis of annual rests as also on the basis of monthly rests and that I/we have selected the option indicated in the application form. I/We are aware that the options on interest rate
such references and make such enquiries in respect of this application, as it may deem necessary. I/We undertake to inform HDFC regarding any change in my/our occupation/employment and to provide any further
information that HDFC may require. HDFC may make available any information contained in this form and other documents submitted to HDFC and information pertaining to the loan to any institution or body. HDFC may
seek/receive information from any source/person to consider this application. I/We shall pay all fees, charges and dues of HDFC by remittance from abroad through normal banking channels and/or out of the Non-Resident
(External) Account / Non- Resident (Ordinary) Account/NRSR Account in India, and my/our own contribution towards the cost of the dwelling unit, as per guidelines of the Reserve Bank of India. I/We further agree that my/our
(R) — — — — — — — — — — — — — Tel (O): ————— ———————— (R) — — — — — — — — — — — — —

Applicant's Signature ________________________ Co-applicant's Signature ________________________

(Names and adresses of two referees who are not related to you of which one should be from india and the other from the city where you currently stay)
_________
_________
_________

_________
_________
_________

Did you get to know HDFC

(Months)
Important: Non disclosure / false declaration can lead to cancellation of your loan

No

Are you a citizen(s) of

■
■

■
Term

■ SC ■ ST ■ NA
Account No.(s)

Do you belong to

■ Service Associates
■ Builder/Developer
■ Yes ■ No.

■ Friends/Relatives

Products offered by HDFC Bank ?

through:
Yes
(TO BE PURHASED/CONSTRUCTED/EXTENDED/IMPROVED) (PLEASE COMPLETE AS APPLICABLE)

Sq.mts.
Sq.mts.

■
■

India?
Monthly Instalment

■ Advertise
Payable (Rs.)

____________
____________
____________

____________
____________
____________

Are you the sole owner of the dwelling unit ?

Is the legal title to the dwelling unit clear ?
Will HDFC be able to obtain first mortgage

loan shall be governed by rules/norms of HDFC which may be in force from time to time and HDFC shall be entitled to reject my/our application without giving any reasons therefor.
NRO NRSR
Type of account

post dated cheques will be issued for

Bank Name: _____________________

Account Number: __________________

Branch: _________________________
________________________________
No 4. What other security will you be able
to provide ______________________

NRSR Account in India from which

■ 5. Please mention the details of your

Non-Resident (Ordinary) Account/

Amount (Rs.)

____________
____________
____________

____________
____________
____________

Non-Resident (External) Account/

Source/Purpose Outstanding

(PLEASE MENTION DETAILS OF YOUR SALARY ACCOUNT IN ROW 1)

LOANS TAKEN/PROPOSED

of the dwelling unit ?

Rs.
Rs.
NRE

Home Accident Insurance Protection

from HDFC CHUBB: ■ Yes ■ No
:
:
:
:
:

Stage of construction / extension

repayment of loan
Cost of construction/purchase/
Branch Name
Co-applicant :

2.
Applicant :
Employer

Employer
application.

Pin: — — — — — —
[APPLICABLE TO APPLICANT AND CO-APPLICANT (IF ANY)]
of Loan

Others

Others
Bank

Bank

No

■
■
Area of Land
Built-up area
Cost of land
_______________________
_______________________
_______________________
Applicant (Rs.) Co-applicant (Rs.)

____________
____________
____________

____________

extension

________
________
■
Name of Bank

Yes

■
■

Yes

HDFC Home Loan Protection plan

■

from HDFC SLIC: ■ Yes ■ No

b) Name of borrower/s ___________________
a) Sanctioned (Date)
2. Have you or your spouse given guarantee(s)

If yes, a) File / Loan A/c No. ______________

prefer your loan to be: b) Disbursed (Date)

no., street, Nearest land mark city and pin code.

Pin: — — — — — — State: __________________

__________________________________________
__________________________________________
__________________________________________

————————
Address of dwelling unit: Mention dwelling unit

If yes, File / Loan A/c No. ______________

Is this dwelling unit booked through HDFC's

Do you propose to rent the dwelling unit ?

If not selected, mention intended location:
____________
____________
____________

____________

1. Have you or your spouse earlier

SAVINGS, INVESTMENTS, ETC.

for any borrower/s of HDFC ?

FINANCIAL INFORMATION

applied to HDFC for a loan ?

BANK ACCOUNT DETAILS
Name of Account Holder

Property Services Group?

1. _______________________
2. _______________________
3. _______________________

Tel (O): — — — — —
DETAILS OF PROPERTY

Date _________________
Other Assets (specify)
Immovable Property

3. When would you

DECLARATION
REFERENCES
1.
Savings in Bank

Would you be
interested in

enquiries from
GENERAL
Particulars

the referees,
NR(O)
NRSR
NR(E)

make such
HDFC may

if it deems
(specify)

necessary
1.
2.
OFFICES HDFC has over 180 Offices all over India...
INTERNATIONAL OFFICE / REPRESENTATIVE OFFICES BRANCH OFFICES (IN INDIA):
Dubai: Contact: Alnaaz Mithwani / R. Sreekumar / M. Subhadra / Kaushik Bhadresha, Office No. 105, 1st Floor, Juma Al-Majid AGRA Tel: 0562-2526769. AHMEDABAD (Navrangpura) Tel: 079-55307000. AHMEDABAD (Maninagar) Tel: 079-25450081. AHMEDABAD (Satellite) Tel: 079-26933611. AHMEDNAGAR Tel: 0241-2320819. AKOLA Tel: 0724-2442454.
Commercial Building, Opp. Burjuman Center (Extension), Trade Centre Road, P.O. Box No.-29022 Dubai, UAE. Tel: 9714 - 3961825. AJMER Tel: 0145-2624994. ALWAR Tel: 0144-2702739. ALLAHABAD Tel: 0532-2608326. AMBALA Tel: 0171-2630880. AMRAVATI Tel: 0721-2562480. AMRITSAR Tel: 0183-5090512. ANAND Tel: 02692-255514. ANKLESHWAR Tel:
Fax: 9714 - 3961890. Email: hdfc@emirates.net.ae Website: www.hdfc.com Timings: Sat to Wed: 8.30 am to 1.00 pm & 2.00 pm 02646-227771. AURANGABAD (CIDCO) Tel: 0240-2474110. AURANGABAD (Station Road) Tel: 0240-2338052. BANGALORE (Kasturba Road) Tel: 080-51183000. BANGALORE (Jayanagar) Tel: 080-26544471. BANGALORE
to 6.00 pm. Thu - 9.00 am to 1.00pm. Abu Dhabi Contact: Mrs.Gaganpreet Kaur / Mr. Ramesh Ravindranath The NMC Group, (Koramangala) Tel: 080-51101621. BANGALORE (Basaveswaranagar) Tel: 080-23584222. BAREILLY Tel: 2581-2477496. BHARUCH Tel: 02642-245245. BHILAI Tel: 0788-5040840. BHIWADI Tel: 01493-224041. BHOPAL (MP Nagar)
UAE Exchange Center Building, Hamdan Street, PO Box 6333, Abu Dhabi. Tel: 971-2-6334383. Fax: 971-2-6322169. Email: Tel: 0755-5277772. BHOPAL (Kamla Bhawan) Tel: 0755-5229990. BHILWARA Tel: 01482-232902. BHUBANESWAR Tel: 0674-2534335. BILASPUR Tel: 07752-500707. BULDHANA Tel: 07262-246301. CALICUT Tel: 0495-2724432.
gagan.preet@uaeexchange.com / ramesh.ravindranath@uaeexchange.com Timings: Sat to Thu: 9.00am to 1.00 pm & 4.30 pm to CHANDIGARH Tel: 0172-3989123. CHENNAI (Anna Salai) Tel: 044-28599300. CHENNAI (Adyar) Tel: 044-24403313. CHENNAI (Anna Nagar) Tel: 044-26190457. CHENNAI (Kodambakkam) Tel: 044-24815656. CHENNAI (Tambaram)
Tel: 044-22264122. CHENNAI (Velacherry) Tel: 044-22435571. CHIDAMBARAM Tel: 04144-222810. CHIPLUN Tel: 02355-250035. COIMBATORE Tel: 0422-2222735. CUTTACK Tel: 0671-2332061. DEHRADUN Tel: 0135-2742231.
8.30 pm. Sharjah Contact: Mr.Chetan Kandhari / Ms.Manjula Khatri / Ms. Tanuja Prakash Panama Advertising & Marketing, P.O.Box
DEWAS Tel: 07272-254550. DHULE Tel: 02562-273500. DURGAPUR Tel: 0343-2549778. ERODE Tel: 0424-2240928. FARIDABAD Tel: 0129-2226912. GANDHIDHAM Tel: 02836-228704. GHAZIABAD Tel: 0120-2721446. GOA Tel: 0832-
4735, Sharjah, UAE. Tel:+9716-572 54 58 Fax:+9716-573 51 52 Email: panama@emirates.net.ae Timings: Sat to Wed: 9.00 am to 2429222. GULBARGA Tel: 08472-241966. GUNTUR Tel: 0863-2217538. GURGAON Tel: 0124-5061772. GUWAHATI Tel: 0361-2666915. GWALIOR Tel: 0751-5011970. HARDWAR Tel: 01334-265325. HINGOLI Tel: 02456-224515.
6.00 pm Thu: 9.00 am to 1.00 pm HOSUR Tel: 04344-247444. HUBLI Tel: 0836-2356345. HYDERABAD (Basheer Bagh ) Tel: 040-55475001. HYDERABAD (Dilsukhnagar) Tel: 040-24540845. HYDERABAD (Kukatpally) Tel: 040-23155944. HYDERABAD (Panjagutta)
SERVICE ASSOCIATES Tel: 040-23414855. INDORE (M G Road) Tel: 0731-5223300. INDORE (Vijaya Nagar) Tel: 0731-5026442. INDORE (Prabhu Nagar) Tel: 0731-5028222. JABALPUR Tel: 0761-5065771. JAIPUR (Ashok Marg) Tel: 0141-5150888. JAIPUR
Kuwait: Contact: Mr.Cajetan Barretto or Mr. Mohammad Amin. CLIC National Industries, P.O.Box 24387, Safat, Kuwait. Tel: 965 - (Mansarovar) Tel: 0141-2781981. JAIPUR (Vaishali Nagar) Tel: 0141-5110410. JALANDHAR Tel: 0181-2225633. JALGAON Tel: 0257-2220762. JAMMU Tel: 0191-2434419. JAMSHEDPUR Tel: 0657-2424518. JODHPUR Tel: 0291-
4738742, 4768164, 4768993, 4748514/ 4715794. Fax: 965 – 4768165/994. Email: hdfc@clicq8.com, cajetan@clicq8.com & 2644448. JUNAGADH Tel: 0285-2671930. KANNUR Tel: 0497-2765850. KANPUR Tel: 0512-2306744. KOCHI (M. G. Road) Tel: 0484-9895399900. KOCHI (Palarivattom) Tel: 0484-2346684. KOLHAPUR Tel: 0231-2664034. KOLKATA
smamin@clicq8.com Timings: Sat to Wed: 8.00 am to 4.30 pm. Thu: 8.00 am to 1.00 pm. Oman: Contact: Mr. Kesavan or Mr. Sunil (Middleton Street) Tel: 033-23215060. KOLKATA (Old Court House Street) Tel: 033-22481308 KOLKATA (Salt Lake City) Tel: 033-23215949. KOLKATA (Behala) Tel: 033-24468392. KOLKATA (Garia) Tel: 033-24351082. KOLLAM
Kumar. Middle East Investment L.L.C., 1st Floor, Bhawan Business Center Bld., Suhail Bahwan Group Holding Building, Opp. Oman Tel: 0474-2762551. KOTA Tel: 0744-2436981. KOTTAYAM Tel: 0481-2304985. LATUR Tel: 02382-226040. LUCKNOW (Ashok Marg) Tel: 0522-39891234. LUCKNOW (Aliganj) Tel: 0522-2763494. LUCKNOW (Gomti Nagar) Tel: 0522-
2303770. LUCKNOW (Indira Nagar) Tel: 0522-2310870. LUCKNOW (Kanpur Road) Tel: 0522-2434519. LUCKNOW (Raebareli Road) Tel: 0522-3098766. LUDHIANA Tel: 0161-2429856. MADURAI Tel: 0452-2350715. MALAPPURAM
Arab Bank Main Branch, CBD Area, P.O.Box No. 21, Postal Code 112, Ruwi, Muscat, Sultanate of Oman Tel: 968 – 24793741 Ext.: Tel: 0483-2738873. MANGALORE Tel: 0824-2445220. MOHALI Tel: 0172-2220116. MUMBAI (Churchgate) Tel: 022-56636000. MUMBAI (Andheri East) Tel: 022-26830048. MUMBAI (Andheri West) Tel: 022-26733981. MUMBAI
102 / 145. Fax: 968 - 24706087. Email: kesavan@suhailbahwangroup.com, ssk@suhailbahwangroup.com Timings: Sat to Thu: 8.00 (Andheri-Kurla Road) Tel: 022-28304251. MUMBAI (Borivli) Tel: 022-28647152. MUMBAI (Chembur) Tel: 022-25291188. MUMBAI (Malad) Tel: 022-28446307. MUMBAI (Mulund) Tel: 022-25655633. MUMBAI (Parel) Tel: 022-24707497.
am to 1.00 pm & 4.00 pm to 7.00 pm Qatar: Contact: Mr. Ravindranathan Investec W.L.L, Office No. 37, 5th Floor, Sofitel Commercial MUMBAI (Virar) Tel: 0253-2511654. AMBARNATH Tel: 0251-2603168. KALYAN Tel: 0251-2201580. DOMBIVLI Tel: 0251-2861473. THANE (Gokhale Road) Tel: 022-25451114. THANE (Vikas Complex) Tel: 022-25471568. VASHI (Navi
Complex, P.O.Box 3002, Doha, Qatar. Tel: 0974 - 4325060, 4365060. Fax: 0974 - 4353560. Email: investec@qatar.net.qa Timings: Sat Mumbai) Tel: 022-56165201. KOPARKHAIRANE (Navi Mumbai) Tel: 022-27550615. BELAPUR (Navi Mumbai) Tel: 022-27561781. NERUL (Navi Mumbai) Tel: 022-27718787. NEW PANVEL Tel: 022-56166242. PEN Tel: 02143-257709.
to Thu: 8.00 am to 12.00 noon & 4.00 pm to 8.00 pm Saudi Arabia: THE ALI REZA GROUP Al Khobar: Contact: Mr. Tarun B Nair. MYSORE Tel: 0821-2433770. NAGERCOIL Tel: 04652-237192. NAGPUR Tel: 0712-2527888. NAGPUR (East) Tel: 0712-2732244. NASHIK (Sharanpur Link Road) Tel: 0253-2571492. NASHIK (Indira Nagar) Tel: 0253-2325301. NASHIK
Rezayat Trading Co. Ltd., P.O. Box No.90, King Khalid St. 4th Cross, Opp. Al Ghazali (Rado Showroom), Above Al Khatir Studio, Al (Panchavati) Tel: 0253-2621953. NASHIK ROAD Tel: 0253-2467994. NELLORE Tel: 0861-2302347. NEW DELHI (Munirka) Tel: 011- 51115111. NEW DELHI (Vikas Puri) Tel: 011-25540989. NEW DELHI (Lodhi Road) Tel: 011-24643755.
Khobar 31952. Tel: +966-3- 8974227, 8954739, 8954108 Fax: +966-3- 8974227 Ext: 104 Email: hdfc@rezayat.com.sa Timings: Sun NEW DELHI (Tolstoy Marg) Tel: 011-23359829. NEW DELHI (Vikas Marg) Tel: 011-22463421. NEW DELHI (Kingsway Camp) Tel: 011-30906820. NOIDA Tel: 0120-2512058. PALAKKAD Tel: 0491-2536481. PANCHKULA Tel: 0172-
to Thu: 9.00 am to 1.00 pm & 3.00 pm to 7.00 pm Sat: 3.00 pm to 7.00 pm Jeddah: Contact: Mr. Vijay Rezayat Trading Co.Ltd. P.O.Box 2570436. PATIALA Tel: 0175-2209273. PATNA Tel: 0612-2320378. PITHAMPUR Tel: 07292-252127. PONDICHERRY Tel: 0413-2205421. PUNE (University Road) Tel: 020-25505000. PUNE (Camp) Tel: 020-26348602. PUNE
No.6670, Rear Side of Jamjoom Center, Jeddah 21452. Tel: 966-2-6654901, 6611333. Ext: 230; Mobile: 966-0503869830. Fax: 966- (Chinchwad) Tel: 020-27481736. PUNE (Kothrud) Tel: 020-25453592. PUNE (Nagar Road) Tel: 020-26699149. RAIPUR Tel: 0771-5092585. RAJKOT Tel: 0281-2472337. RANCHI Tel: 0651-2331055. RATLAM Tel: 07412-507375. ROPAR
2-6637616. Email: hdfcjed@rezayat.com.sa Timings: Sat to Wed: 8.00 am to 1.00 pm & 2.30 pm to 6.00 pm. Thu: 8.00 am to 1.00 pm. Tel: 01881-224986. SALEM Tel: 0427-2314486. SANGLI Tel: 0233-2329892. SATARA Tel: 02162-226400. SECUNDERABAD (Tarnaka) Tel: 040-27014041. SILIGURI Tel: 0353-2640716. SIMLA Tel: 0177-2622211. SOLAPUR Tel: 0217-
Riyadh: Contact: Mr. R. Ramanathan. Rezayat Trading Co. Ltd. P.O.Box No. 966, First Floor, ABB Building, Opp. Malaz Zoo, Pepsi 2316804. SURAT Tel: 0261-2479371. THIRUVANANTHAPURAM Tel: 0471-2324224. THRISSUR Tel: 0487-2442565. TIRUCHIRAPALLI Tel: 0431-2412744. TIRUNELVELI Tel: 0462-2577822. TUTICORIN Tel: 0461-2300707. UDAIPUR
Cola Road. Riyadh 11421. Tel: 966-1-4777061. Ext.: 123, 1-4777437 Fax: 966-1-4778919. Email: hdfcryd@rezayat.com.sa Timings: Tel: 0294-2561060. UJJAIN Tel: 0734-5010222. VADODARA Tel: 0265-2356397. VADODARA (Waghodia Road) Tel: 0265-2514164. VAPI Tel: 0260-2462573. VARANASI Tel: 0542-2420484. VIJAYAWADA Tel: 0866-2483262.
Sat to Wed: 8.00 am to 1.00 pm & 4.00 pm to 7.00 pm. Thu: 8.00 am to 1.00 pm. VISAKHAPATNAM Tel: 0891-2552876. WASHIM Tel: 07252-231302. YAVATMAL Tel: 07232-239941.