HDFC Home Loan for Government Employees

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HDFC Bank offers affordable home loans to central and state government employees. The HDFC Home Loan for Government Employees assists with the purchase or construction of a new home or refinancing of an existing loan. Any eligible borrower can comfortably apply for the loan via offline and online applications. From residential to commercial lots, in urban as well as rural settings, government employees can readily fund their dream homes using HDFC Bank’s reliable home loans. 

In this article, we explore the various features of the loan. Stay tuned to get the bank’s complete eligibility and documentation details.

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Table of Content

1. HDFC Home Loan for Government Employees Highlights

2. HDFC Home Loan for Government Employees Fees and Charges

3. HDFC Home Loan for Government Employees Documents Required

4. HDFC Home Loan for Government Employees Eligibility Criteria

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Written By
Thejus KS
Thejus KS
A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.
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Piyush Bothra
Piyush Bothra
Chief Financial Officer, Square Yards
Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

HDFC Home Loan for Government Employees – Highlights 

Types of Loan Housing Loans, Non-Housing Loans, Renovation Loans, NRI Housing Loans, Refinance Loans
Application Process Offline as well as Online
Maximum Loan-to-Value Ratio (LTV) Up to 90% of the property’s value
Down Payment  10%-25% of the property’s value
Interest Rate (p.a.) 8.75%- 9.40%
Maximum Loan Tenure Up to 30 years
Security Mortgage of the concerned property 

HDFC Home Loan for Government Employees – Fees and Charges 

Apart from the HDFC home loan interest rate for government employees, a borrower is required to pay the following charges:

  1. Processing Fees: A processing fee of 0.50%-2.00% of the loan amount,, plus GST, depending upon the type of home loan. 
  2. Goods And Services Tax (GST): An 18% GST on all banking services, as mandated by the government. 
  3. Other charges: Several other charges such as the incidental charges, stamp duty charges and third parity charges are levied to recover various administrative and legal costs. 

HDFC Home Loan for Government Employees – Documents Required

An HDFC Home Loan for Government Employee borrowers must submit the following documents while applying for the loan.

  • Duly filled Loan Application Form
  • PAN Card/ Form 60 (Mandatory)
  • Identity Proof: Aadhar Card/ Passport/ Driver’s License/ Voter’s ID/ other documents
  • Address Proof: Utility Bills/ Aadhar Card/ Voter’s ID/ Other Documents
  • Income Documents: Salary receipts/ Last 6 months’ bank statements/ Last IT returns
  • Property Documents: Allotment Letter/ Receipts of payment made to the seller/ Title Deed

HDFC Home Loan for Government Employees – Eligibility Criteria 

A government employee willing to borrow a home loan from HDFC Bank must satisfy the following criteria:  

  • Eligible borrowers: Central Government Employees/ State Government Employees/ Employees of PSUs
  • Age limit: 18 years – 70 years
  • Residents: Indian residents/ NRIs

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