Home > Home Loans for NRI's  > Home Loan Advantage Home Loan Advantage Your HDFC Home Loan Advantage Home Loan Counselling - Sharing of over 30 years of home loan experience   We have been a part of a 30 year journey with our 3.2 million customers. Our home loan counsellors offer you the time tested advice. Be it legal documentation, project or builder approvals, and technical advice, we look forward to sharing with you and this service is absolutely free. Our project approval facility provides our customers the comfort of purchasing properties from builders who have complied with all basic documentation. We help you find your dream home   Please seek the help of HDFC Realty for purchasing your dream home. Wide Product Range   We provide loans to meet all your requirements for you to make that house a home. Home Loans, Home Improvement Loans, Home Extension Loans. Loans on Adjustable Rate, Fixed Rate. 2-in-1 Home Loans Multiple Repayment Option   Step Up Repayment Facility Helps young executives take a much bigger loan today based on an increase in their future income, this helps executives buy a bigger home today! Flexible Loan installments Plan Often customers, parents and their children, wish to purchase properties together. The parent is nearing retirement and their children have just started working. This option helps such customers combine the incomes and take a long term home loan where in the installment reduces upon retirement of the earning parent. Tranche Based EMI Customers purchasing an under construction property need to pay interest ( on the loan amount drawn based on level of construction) till the property is ready . To help customer save this interest, we have introduced a special facility of tranche Based EMI. Customers can fix the installments they wish to pay till the property is ready. The minimum amount payable is the interest on the loan amount drawn. Anything over and above the interest paid by the customer goes towards Principal repayment. The customer benefits by starting EMI and hence repays the loan faster. Accelerated Repayment Scheme Accelerated Repayment Scheme offers you a great oppourtunity to repay the loan faster by increasing the EMI. Whenever you get an increment, increase in your disposable income or have lumpsum funds for loan prepayment, you can benefit by: Increase in EMI means faster loan repayment Saving of interest because of faster loan repayment You can invest lumpsum funds rather than use it for loan prepayment. The return from the investments also gives you the comfort of paying the increased EMI. Loan Repayment   ECS facility Post dated cheques - No charges for replacement of cheques Loan repayment at any HDFC offices