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pm. Thu: 8.00 am to 1.00 pm.

4777061. Ext.: 123, 1-4777437 Fax: 966-1-4778919. Email: hdfcryd@rezayat.com.sa Timings: Sat to Wed: 8.00 am to 1.00 pm & 4.00 pm to 7.00
Deshmukh. Rezayat Trading Co. Ltd. P.O.Box: 966, First Floor, ABB Building, Opp. Malaz Zoo, Pepsi Cola Road. Riyadh 11421. Tel: 966-1-
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. Riyadh: Contact: Mr. Khaleel
6670, Rear Side of Jamjoom Center, Jeddah 21452. Tel: 966-2-6654901, 6611333. Ext: 230; Mobile: 966-0503869830. Fax: 966-2-6637616. Email:
Sun 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:
Khobar 31952. Tel: 966-3- 8974227, 8954739, 8954108 Mobile: 0500570261 Fax: 966-3- 8974227 Ext: 104 Email: hdfc@rezayat.com.sa Timings:
Sreekumar, Rezayat Trading Co. Ltd., P.O. Box: 90, King Khalid St. 4th Cross, Opp. Al Ghazali (Rado Showroom), Above Al Khatir Studio, Al
Sat 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 / Mr. R
- 1st Floor, Near Indian Airlines office, Doha - Qatar. Tel: 0974 - 4325060 / 4365060 Fax: 0974 - 4353560 Email: investec@qatar.net.qa Timings:
1.30 pm Qatar: Contact: Mr. Ravindranathan, Investec W.L.L, P.O.Box 3002, New Share Kaarba (Al Deewan Street), Above Al Fardan Perfumes
btc.hdfc@suhailbahwangroup.com Working Days: Saturday to Wednesday Working Hours : 8 am to 1.30 pm & 4 pm to 7 pm Thursday : 8 am to
Company LLC, P.O. Box 21, Ruwi, Postal Code: 112, Sultanate of Oman. Tel : (968) 24793741 Ext. 145. Fax : (968) 24706087 Email:
Fax: 00965-4849142. Email id - kapilk@hdfc.com, hdfc@moashinvest.com Oman: Contact: Mr. Kesavan / Mr. Sumesh Soman, Bahwan Trading
International Shiwaikh Industrial Area - 3, Opp. Al Wazaan Catering, Street No.33, Shuwaikh - Kuwait. Tel: 00965-484 6883(10 lines) Ext:107/108
Timings: Sat to Thu: 8.30am to 5.30pm. Kuwait: Contact: Mr.Kapil Kapur, Moashk Securities & Investments, C/O Mohammed Ashkanani
6105648/40, +971-26105649/40, Fax: +971-2-6322169. Email: gagan.preet@uaeexchange.com / ramesh.ravindranath@uaeexchange.com
NMC Group, Level - 01, Al Sayegh Centre, Corporate Office, P.O. Box No.: 170, UAE Exchange LLC, Hamdan Street, Abu Dhabi. Tel: +971-2-
Timings: Sat to Wed: 9.00 am to 6.00 pm Thu: 9.00 am to 2.00 pm. Abu Dhabi: Contact: Mrs.Gaganpreet Kaur / Mr. Ramesh Ravindranath, The
Choithram Supermarket, King Faisal Road, P.O. Box 4735, Sharjah, UAE. Tel: +971-06-5599511 Fax: +971- 06-5599519. Email: panama@eim.ae
Sharjah: Contact: Mr.Chetan Kandhari / Ms.Manjula Khatri, Panama Advertising & Marketing, Office # 8, 2nd floor, Marine House, Above
SERVICE ASSOCIATES
7872 5542 + 44 (0) 20 7872 5545 Fax: + 44 (0) 20 7872 5548 email: arijits@hdfc.com
London: Contact: Mr. Arijit Sanyal, Branch Manager, 403, 1 Northumberland Avenue, Trafalgar Square, London WC2N 5BW. Tel:+ 44 (0) 20
8.30 am to 1.00 pm & 2.00 pm to 6.00 pm. Thu: 9.00 am to 1.00pm.
Trade Centre Road, P.O. Box : 29022, Dubai, UAE. Tel: +971-4-3961825. Fax: +971 - 4 - 3961890. Email: response@hdfc.ae Timings: Sat to Wed:
UAE Dubai: HDFC Ltd. : Contact: Ajay Verma, Office No. 105, 1st Floor, Juma Al-Majid Commercial Building, Opp. Burjuman Center (Extension),
INTERNATIONAL OFFICE / REPRESENTATIVE OFFICES
FINANCIAL INFORMATION Home Loans for

INTERNATIONAL OFFICES
SAVINGS, INVESTMENTS, ETC. LOANS TAKEN/PROPOSED
Particulars Applicant (Rs.) Co-applicant (Rs.) Important: Non disclosure / false declaration can lead to cancellation of your loan With you, right through Non-Resident Indians (NRIs) /
Savings in Bank application. Regd. Office: Ramon House, HT Parekh Marg,169, Backbay Reclamation, Persons of Indian Origin (PIOs)
Source/Purpose Outstanding Monthly Instalment Term Churchgate, Mumbai 400 020. e-mail: response@hdfc.ae
NR(E) ____________ ____________ 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
of Loan Amount (Rs.) Payable (Rs.) (Months)
NR(O) ____________ ____________
Applicant : 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?
NRSR ____________ ____________ Employer ____________ ____________ _________ 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
Immovable Property Bank ____________ ____________ _________ 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
(specify) ____________ ____________ 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
Others ____________ ____________ _________ single-family or multi-family bungalow or row house. charged on the fees collected.
Other Assets (specify) Co-applicant : HDFC, through its office in Dubai and Service Associates in Abu Dhabi, CHARGES:
1. _______________________ _______________________ Sharjah, Kuwait, Oman, Qatar and Saudi Arabia (Al Khobar, Jeddah & Riyadh)
Employer ____________ ____________ _________ offers to the Middle East based NRIs/PIOs who wish to acquire homes in India: For Fixed Rate Home Loans (FRHL) an early redemption charge of 2% of the
2. _______________________ _______________________ Advisory services in real estate i.e. information and services regarding amount being prepaid is payable, if the amount being repaid is more than 25%
Bank ____________ ____________ _________ l
of the opening balance*. However, under Adjustable Rate Home Loans (ARHL)
buying and selling of real estate in India.
3. _______________________ _______________________ Others ____________ ____________ _________ option early redemption charges of 2% is payable only in case of commercial
l Advisory services in real estate financing i.e. facilitate NRIs/PIOs taking refinance. You may be required to submit copies of your Bank Statments or any
loans from HDFC – India. other documents that HDFC deems necessary to verify the source of
BANK ACCOUNT DETAILS (PLEASE MENTION DETAILS OF YOUR SALARY ACCOUNT IN ROW 1 AND OTHER INDIAN & OVERSEAS A/C IN ROW 2 & 3)
GENERAL INFORMATION ON HOME LOANS prepayment.
Name of Account Holder Name of Bank Branch Name Account No.(s) Type of account
What is the maximum loan amount I can borrow? You can make payments for fees and charges by cheque marked "Payee's
OVERSEAS NRE NRO
account only" drawn on a bank in a city where HDFC has an office or by
1. 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
2. How will HDFC decide the loan amount I am eligible for? Dihrams by cheque (if based in Dubai) or Bank Demand Draft (if based
3. Subject to the above, your repayment capacity as determined by HDFC, will elsewhere in the Middle East) drawn in favour of “Housing Development
help decide how much you can borrow. Repayment capacity takes into Finance Corporation Limited”.
DETAILS OF PROPERTY (TO BE PURHASED/CONSTRUCTED/EXTENDED/IMPROVED) (PLEASE COMPLETE AS APPLICABLE) consideration factors such as income, age, qualifications, work experience, *Subject to terms and conditions.
number of dependants, spouse’s income, assets, liabilities, stability and What is the rate of interest that will be charged on my loan and what will
Address of dwelling unit: Mention dwelling unit Area of Land : Sq.m.x Built-up area : Sq.m. continuity of occupation, alternate employment prospects when you return to
no., street, Nearest land mark city and pin code. India and savings history. And, of course, HDFC’s main concern is to make sure be the Equated Monthly Instalment (EMI)?
Cost of land : Rs. For the current rates of interest and EMIs please check with HDFC.
If not selected, mention intended location: you can comfortably repay the amount you borrow.
01732-320547. YAVATMAL Tel: 07232-239941.
VADODARA (Waghodia Road) Tel: 0265-2514164. VAPI Tel: 0260-2462573. VARANASI Tel: 0542-3251474. VIJAYAWADA Tel: 0866-2483262. VISAKHAPATNAM Tel: 0891-2552876. WASHIM Tel: 07252-231302. YAMUNA NAGAR Tel:
3255000. THRISSUR Tel: 0487-2442565. TIRUCHIRAPALLI Tel: 0431-2412744. TIRUNELVELI Tel: 0462-3955000. TUTICORIN Tel: 0461-3955000. UDAIPUR Tel: 0294-2561060. UJJAIN Tel: 0734-5010222. VADODARA Tel: 0265-2356397.
(Tarnaka) Tel: 040-27014041. SILIGURI Tel: 0353-2640716. SIMLA Tel: 0177-2622211. SOLAPUR Tel: 0217-2316804. SURAT (Majura Gate) Tel: 0261-2479371. SURAT (Adajan) Tel: 0261-2772258. THIRUVANANTHAPURAM Tel: 0471-
2472337. RANCHI Tel: 0651-2331055. RATLAM Tel: 07412-507375. RENUKOOT Tel: 05446-252774. ROPAR Tel: 01881-224986. SALEM Tel: 0427-2314486. SANGLI Tel: 0233-2329891. SATARA Tel: 02162-226400. SECUNDERABAD
(Chinchwad) Tel: 020-27450219. PUNE (Kothrud) Tel: 020-25453592. PUNE (Nagar Road) Tel: 020-26685258. PUNE (Magarpatta City) Tel: 26823114. RAJAHMUNDRY Tel: 0883-2461200. RAIPUR Tel: 0771-4092585. RAJKOT Tel: 0281-
2209273. PATHANAMTHITTA Tel: 0468-3255000 PATNA Tel: 0612-2320378. PITHAMPUR Tel: 07292-252127. PONDICHERRY Tel: 0413-2205421. PUNE (University Road) Tel: 020-25505000. PUNE (Camp) Tel: 020-26351738. PUNE
(Vikas Puri) Tel: 011-28540989. NEW DELHI (Lodhi Road) Tel: 011-24643755. NEW DELHI (Rohini) Tel: 011-32906820. NOIDA Tel: 0120-2512058. PALAKKAD Tel: 0491-2536481. PANCHKULA Tel: 0172-2570436. PATIALA Tel: 0175-
Link Road) Tel: 0253-6606000. NASHIK (Indira Nagar) Tel: 0253-2325301. NASHIK (Panchavati) Tel: 0253-2621953. NASHIK ROAD Tel: 0253-2467994. NELLORE Tel: 0861-2302347. NEW DELHI (Munirka) Tel: 011-41115111. NEW DELHI
BELAPUR (Navi Mumbai) Tel: 022-27561781. NERUL (Navi Mumbai) Tel: 022-27718787. NEW PANVEL Tel: 022-66166242. MYSORE Tel: 0821-2433770. NAGERCOIL Tel: 04652-325500. NAGPUR Tel: 0712-2566000. NASHIK (Sharanpur
0251-2201580. DOMBIVLI Tel: 0251-2861473. THANE (Gokhale Road) Tel: 022-25451114. THANE (Vikas Complex) Tel: 022-25471568. VASHI (Navi Mumbai) Tel: 022-65165201. KOPARKHAIRANE (Navi Mumbai) Tel: 022-27550615.
MUMBAI (Dadar) Tel: 022-24146267. MUMBAI (Malad) Tel: 022-28446307. MUMBAI (Mulund) Tel: 022-25655633. MUMBAI (Parel) Tel: 022-24707497. MUMBAI (Virar) Tel: 0250-2511654. AMBARNATH Tel: 0251-2603168/9. KALYAN Tel:
Tel: 022-26830048. MUMBAI (Andheri West) Tel: 022-26733981. MUMBAI (Andheri-Kurla Road) Tel: 022-28304251. MUMBAI (Borivli) Tel: 022-65826806. MUMBAI (Goregaon) Tel: 022-67546111. MUMBAI (Chembur) Tel: 022-25291188.
2429856. MADURAI Tel: 0452-2350715. MALAPPURAM Tel: 0483-2738873. MANGALORE Tel: 0824-2445220. MEERUT Tel: 0121-2768172. MOHALI Tel: 0172-2220116. MUMBAI (Churchgate) Tel: 022-66316000. MUMBAI (Andheri East)
07759-245253. KOTA Tel: 0744-2436981. KOTTAYAM Tel: 0481-2304985. LUCKNOW (Ashok Marg) Tel: 0522- 3989123. LUCKNOW (Aliganj) Tel: 0522-2763494. LUCKNOW (Gomti Nagar) Tel: 0522-2303770. LUDHIANA Tel: 0161-
KOLKATA (Old Court House Street) Tel: 033-22481308 / 27 KOLKATA (Salt Lake City) Tel: 033-23215949. KOLKATA (Behala) Tel: 033-24468392. KOLKATA (Garia) Tel: 033-24351082. KOLLAM Tel: 0474-3955000, 2762551. KORBA Tel:
0497-2765850. KANPUR Tel: 0512-3259998. KARNAL Tel. : 645 1231-32. KOCHI (M. G. Road) Tel: 9895399900. KOCHI (Palarivattom) Tel: 0484-2346684. KOLHAPUR Tel: 0231-2664034. KOLKATA (Middleton Street) Tel: 033-23215060.
JALANDHAR Tel: 0181-2225633. JALGAON Tel: 0257-2220762. JAMMU Tel: 0191-2434419. JAMNAGAR Tel: 0288-2664212 JAMSHEDPUR Tel: 0657-2424518. JHANSI Tel: 0517-3290532. JODHPUR Tel: 0291-2644448. KANNUR Tel:
Tel: 0731-5026442. INDORE (Prabhu Nagar) Tel: 0731-5028222. JABALPUR Tel: 0761-5065771. JAIPUR (Ashok Marg) Tel: 0141-5150888. JAIPUR (Mansarovar) Tel: 0141-2781981. JAIPUR (Vaishali Nagar) Tel: 0141-5110410.
Bagh) Tel: 040-66475001. HYDERABAD (Dilsukhnagar) Tel: 040-24540845. HYDERABAD (Kukatpally) Tel: 040-23155944. HYDERABAD (Panjagutta) Tel: 040-23414855. INDORE (M G Road) Tel: 0731-4223300. INDORE (Vijaya Nagar)
GURGAON Tel: 0124-5061772/3. GUWAHATI Tel: 0361-2666915. GWALIOR Tel: 0751-4011970. HARDWAR Tel: 01334-324100. HINGOLI Tel: 02456-224515. HOSUR Tel: 04344-247444. HUBLI Tel: 0836-2356345. HYDERABAD (Basheer
FARIDABAD Tel: 0129-2226912. GANDHIDHAM Tel: 02836-228704. GHAZIABAD Tel: 0120-2721446. GHAZIABAD (Vaishali) Tel: 0120-2688148. GOA Tel: 0832-2429222. GULBARGA Tel: 08472-241966. GUNTUR Tel: 0863-2217538.
COIMBATORE (NSR Road) Tel: 0422-4399881. CUTTACK Tel: 0671-2332061. DEHRADUN Tel: 0135-3296500. DEWAS Tel: 07272-254550. DHULE Tel: 02562-273500. DURGAPUR Tel: 0343-2549778. ERODE Tel: 0424-2240928.
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: 0422-4301100.
CALICUT Tel: 0495-2367656. CHANDIGARH Tel: 0172-3989123. CHANDRAPUR Tel: 07172-271563-5. CHENNAI (Anna Salai) Tel: 044-28599300. CHENNAI (Adyar) Tel: 044-23452000. CHENNAI (Anna Nagar) Tel: 044-23451998.
512739. BHOPAL (MP Nagar) Tel: 0755-5277772. BHOPAL (Kamla Bhawan) Tel: 0755-5229990. BHILWARA Tel: 01482-232902. BHUBANESWAR Tel: 0674-6532020. BILASPUR Tel: 07752-500707. BULDHANA Tel: 07262-246301.
(Basaveswaranagar) Tel: 080-23584222. BANGALORE (Electronic City) Tel: 9900180599. BAREILLY Tel: 0581-3292008. BHARUCH Tel: 02642-245245. BHATINDA Tel: 501 2218-19. BHILAI Tel: 0788-5040840. BHIWADI Tel: 01493-
227771. AURANGABAD (Jalna Road) Tel: 0240-2349300. BANGALORE (Kasturba Road) Tel: 080-41183000. BANGALORE (Jayanagar) Tel: 080-26544471. BANGALORE (Koramangala) Tel: 080-41101621. BANGALORE
AKOLA Tel: 0724-2442454. ALWAR Tel: 0144-2702739. ALLAHABAD Tel: 0532-3297506. AMBALA Tel: 0171-2630880. AMRAVATI Tel: 0721-2666009. AMRITSAR Tel: 0183-5010512. ANAND Tel: 02692-255514. ANKLESHWAR Tel: 02646-
AGRA Tel: 0562-2526769. AHMEDABAD (Navrangpura) Tel: 079-66307000. AHMEDABAD (Maninagar) Tel: 079-25450081. AHMEDABAD (Satellite) Tel: 079-26933611. AHMEDNAGAR Tel: 0241-2320818. AJMER Tel: 0145-2624994.
BRANCH OFFICES (IN INDIA):

Cost of construction/purchase/extension: Rs. Under the monthly rest option, interest is calculated on monthly rests. Principal
__________________________________________ When can I make an application? repayments are credited at the end of every month.
Stage of construction / extension : You can apply for a loan whilst you are working abroad, to plan for your return
__________________________________________ At HDFC you have the choice between the normal FRHL & FRHL with Money
to India in the future. The application can also be made even if the property Market Clause and the innovative Adjustable Rate Home Loan (ARHL).
__________________________________________ Yes No has not been selected or the construction/improvement has not commenced. Alternatively, you can also avail part of the loan under FRHL and balance under
HDFC has over 180 Offices all over India...

__________________________________________ If property not selected would you like HDFC Realty to assist you? n n How do I make an application? ARHL.
__________________________________________ Do you propose to rent the dwelling unit ? n n It’s simple! Complete the application form attached to this brochure and submit
it along with the supporting documents at any HDFC office
HDFC also offers you the option to switch between schemes* for a nominal fee.
__________________________________________ Are you the sole owner of the dwelling unit ? n n or Service Associate that is convenient to you. On
Interest rates on the ARHL will be linked to HDFC’s Retail Prime Lending Rate
(RPLR). The rate on your loan will be revised every three months from the date
Is the legal title to the dwelling unit clear ? n n receipt of the completed application form with the
prescribed fee (including taxes as applicable)
of the first disbursement, if there is a change in RPLR, i.e. the interest rate on
your loan may change. However, the EMI on the Home Loan disbursed will not
Pin: — — — — — — State: ________________ Will HDFC be able to obtain first mortgage of the dwelling unit ? n n HDFC will consider your application, make
enquiries as it deems necessary and convey its
change*. (If the interest rate increases, the interest component in an EMI will
increase and the principal component will reduce, resulting in an extension of
GENERAL [APPLICABLE TO APPLICANT AND CO-APPLICANT (IF ANY)] Download decision to you. the term of loan, and vice versa when the interest rate decreases).
Yes No 4. What other security will you be able Are you a citizen(s) of application form You can also appoint a Power of Attorney in HDFC offers special rates for its loyal customers (past & present). Existing
to provide _______________________ or apply online at India and the Power of Attorney should be housing loan customers can avail the Home Improvement Loans (HIL) at special
1. Have you or your spouse earlier India? executed as per the draft provided by HDFC. terms.
applied to HDFC for a loan ? n
________________________________
n 5. Please mention the details of your n Yes n No. www.hdfc.com Can I apply for a loan to repay a *Subject to terms and conditions.
Do you belong to housing loan availed by me from another
What are the supporting documents to be submitted along with an
n SC n ST n NA
If yes, File / Loan A/c No. ______________ Non-Resident (External) Account/ bank / housing finance company?
Non-Resident (Ordinary) Account/ Yes, you can avail of HDFC’s home loan to application?
2. Have you or your spouse given guarantee(s)
n n
NRSR Account in India from which repay a loan availed by you from another bank The following documents are to be submitted along with the application:
post dated cheques/standing Did you get to know HDFC / housing finance company. 1. Employment / Residency related documents:
for any borrower/s of HDFC ?
instructions will be issued for through: Photo copies of :
If yes, a) File / Loan A/c No. ______________ repayment of loan n Advertisement
b) Name of borrower/s ___________________ Bank Name: _____________________ n Service Associates a) Employment contract (if the
contract is in a language other
f) Visa stamped on the passport.
3. When would you a) Sanctioned (Date) ________ Branch: __________________________ n Builder/Developer than English, an English
g) Continuous Discharge Certificate
(CDC) - (for applicants employed
prefer your loan to be: b) Disbursed (Date) ________
A/c Number: _______________________
n Friends/Relatives translation of the same attested
by the Embassy/Employer should
in the merchant navy).
be given). h) Overseas Bank Account and

ç
NRE/NRO Statement for the last
Would you be HDFC Home Loan Protection plan Home Accident Insurance Protection Products offered by HDFC Bank ? b) Past occupational history. six months.
interested in from HDFC SLIC: Yes No n n from HDFC CHUBB: Yes No n n n Savings Bank Account n Credit Card n Other Loans c) Latest salary slip/certificate. i) Latest Credit Bureau report.**
REFERENCES (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)
d) Latest work permit/Labour card.
e) Identity card issued by current
HDFC may 1. 2. employers.
make such **Applicable to customers residing in countries where Credit Bureaus exists. eg. USA, UK etc.
enquiries from
the referees, E-mail: Pin: — — — — — — E-mail: Pin: — — — — — — 2. Property Related Documents:
if it deems Mobile: Mobile: a) Receipts for payments made for purchase of the dwelling unit.
necessary b) Copy of approved drawings of proposed construction/ purchase/ extension.
Tel (O): — — — — — ———————— (R) — — — — — ———————— Tel (O): ————— ———————— (R) — — — — — ————————
c) Agreement for sale / sale deed / detailed cost estimate from Architect /
DECLARATION Engineer for property to be purchased/constructed/ extended/improved.
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
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 d) Allotment letter from the co-operative society / association of apartment
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 Instalment comprising owners.
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
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
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 Applicants from the Middle East can co-ordinate all their future
(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
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. requirements through the HDFC Dubai Office.

A042/6/07/5
Date _________________ Applicant's Signature ________________________ Co-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


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

l PROPERTY RELATED SERVICES IDENTIFICATION &

l LAND LOANS FOR HOUSING

l HOME EXTENSION LOANS

l HOME IMPROVEMENT LOANS

l HOUSING LOANS

NON-RESIDENT INDIANS
LOAN FACILITIES OFFERED BY HDFC TO
Regd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate,
PERSONAL INFORMATION OF APPLICANT(S) Mumbai 400 020. Ph.:(91)(022) 66316000, 22820282. Fax:(91)(022) 022-22811205.

SALES PROPERTY VALUATION


When can I take disbursement of the loan?
Applicant Co-applicant
You can take disbursement of the loan after the property has been technically
evaluated, all legal documentation has been completed and you have invested Surname First Name Middle Name Surname First Name Middle Name
your own contribution in full. Own contribution is the total cost of the property NAME
less HDFC’s loan.
FATHER’S /HUSBAND’S NAME
If you are based in the Middle East you can request for the disbursement of your
loan through our office in Dubai or our Service Associates in Abu Dhabi, Kuwait, n CURRENT RESIDENTIAL P.O. Box: P.O. Box:
Oman, Qatar, Saudi Arabia and Sharjah. ADDRESS
The disbursement would be in Indian Rupees and made at the HDFC branch
specified by you. City: Country: City: Country:
In how many instalments can the loan be disbursed? PHONE NO. WITH ISD CODE — — — — — — — — — — — — Mobile: — — — — — — — — — — Mobile: — — — — — — — — — — Relationship with Applicant:
3. Additional documents to be submitted by PIOs _________________
The loan will be disbursed in full or in suitable instalments (normally not exceeding CURRENT RESIDENCE IS n Self owned Family Rented Company Leased/Provided by Employer
n n n

A photocopy of PIO Card. If the individual does not have a PIO Card,
photocopies of any of the following are to be submitted.
three in number) taking into account the requirement of funds and progress of
construction, as assessed by HDFC, and on a disbursement request letter given by
n Permanent Address in India:
a. Photocopy of the current Passport indicating birthplace as ‘INDIA’. you and not necessarily according to a builder’s agreement. Land Mark: Pin Code:
b. Photocopy of Indian passport, if held by the individual earlier. You are advised in your own interest to enter into such agreements with builders PHONE NO. WITH STD CODE — — — — — — — — — — — — — — — — — — — — — — — — Mobile: — — — — — — — — — —
c. Photocopy of parents/grandparents Indian Passport/birth certificate/ marriage whereby payment is dependent upon the progress of work and not on a time-based
certificate substantiating the individual’s claim as a person of Indian origin. schedule. E-MAIL ID
Can I repay my loan ahead of schedule? DATE OF BIRTH/SEX — — — — — — — — Age — — Yrs. x M F Age — — Yrs. x M F
n n n n
4. Power of attorney as per HDFC’s draft. —— —— ————

Yes. You can repay the loan ahead of schedule, either in part or in full, by STATUS/MARITAL STATUS n
Non-Resident PIO’s x
n Single Married
n n Other Non-Resident PIO’sx Single Married Other
n n n n n n

Who can be co-applicants? remittances from abroad through normal banking channels, your Non-Resident
Proposed owners of the property, in respect of which you are seeking financial (External) Account and/or Non-Resident (Ordinary) Account/NRSR Account in NO. OF DEPENDANTS _____ Children _____ Others _____ Children _____ Others
assistance will have to be co-applicants. However, all co-applicants need not be India. HDFC also offers a facility to accelerate the repayment of the loan by OCCUPATION & DESIGNATION n Employed Self employed x
n Employed Self employed x
n n

co-owners. increasing the EMI at anytime, this will help you to repay your loan faster. This
acceleration facility is available free of charge. QUALIFICATIONS
What is the maximum term in which I can repay the loan?
The term of repayment of the loan is upto seven years. (Term beyond 7 years upto Does the Agreement for Sale have to be registered? MONTHLY INCOME Rs. Rs.
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 OTHER INCOME Rs. Source: Rs. Source:
is required by law to be registered. You are advised, in your own interest to lodge
to determine the repayment term to suit your convenience.
How do I repay the loan? the Agreement for registration within four months of the date of the Agreement at n EMPLOYER/BUSINESS NAME
the office of the Sub-Registrar appointed by the State Government, under the

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,
You repay the loan in Equated Monthly Instalments (EMIs) comprising principal and AND ADDRESS (Please mention the
Indian Registration Act, 1908.
interest. Repayment by way of EMI commences from the month following the

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
address of the office you are based at) Country: Country:
month in which you take full disbursement. EMI is payable every month, by the Does the property have to be insured?
end of that month. OFFICE PHONE NO. WITH ISD CODE — — — — — — — — — — — — , — — — — — — — — — — — — — — — — — — — — , — — — — — — — —
You will have to ensure that the property is duly and properly insured for fire and
In respect of the period prior to commencement of EMI, you pay interest on the other appropriate hazards, as required by HDFC, during the pendency of the loan E-MAIL ID
amount of the loan disbursed. This interest is called Pre-EMI interest. Pre-EMI and to produce evidence thereof to HDFC, each year and/or whenever called upon YRS. IN PRESENT OCCUPATION Yrs. Retirement age Yrs. Yrs. Retirement age Yrs.
interest is payable every month, by the end of the month, from the date of each to do so. HDFC should be the beneficiary of the insurance policy.
disbursement upto the date of commencement of EMI. Pre-EMI is calculated at the DEPARTMENT Employee No.: Employee No.:
same rate at which EMI is calculated. Will HDFC assist me in selecting accommodation of my choice?
Applicant: Passport No. — — — — — — — — — — Visa Valid upto: — — — — — — — — Co-applicant: Passport No. — — — — — — — — — — Visa Valid upto: — — — — — — — —
Payments for fees, charges, and pre-EMI interest should be remitted to HDFC from Yes, HDFC will be glad to be of assistance in selecting accommodation of your
abroad through normal banking channels or from the Non-Resident (External) choice in select cities in India. For information on this service, do contact our Loan Please indicate preferred HDFC location for processing your application in India: _______________________________________
Account/Non-Resident (Ordinary) Account/NRSR Account in India. Counsellor or log on to HDFCrealty.com. Please indicate preferred Communication address by ticking 3
q the appropriate box.
EMI payments are to be made through post dated cheques or standing Value additions from HDFC Group companies:
instructions from your Non-Resident (External) Account/Non-Resident (Ordinary) LOAN REQUESTED TYPE OF LOAN
Account/NRSR Account in India. Only HDFC Home Loans offer you a specially designed life insurance Rest Frequency Annual n n Monthly
cover* at an attractive price from HDFC Standard Life, Home/Accident Amount Rs. : ___________________ Term: yrs.________ Signature
Cash payments will not be accepted. Insurance Product from HDFC Chubb General Insurance Company Ltd., Rate Option Fixed n n Adjustable of
Do I have flexibility in repayment terms? automatic repayment of HDFC Home Loan EMIs from your HDFC Bank Your monthly Expenditure Rs. : ____________
n Combination Applicant_____________________
HDFC offers you various flexible repayment options like Step Up Savings Account, an HDFC Bank Savings Account with a low Average Instalment you and co-applicant
Repayment Facility (SURF), Flexible Loan Instalment Plan (FLIP), Balloon Quarterly Balance, free HDFC Bank International Credit Card** and (if any) can pay to HDFC per month Rs. : ____________ n
Home Loan n
Home Improvement Loan n
Home Conversion Loan
Payment Plan and Structured Repayment Plan. These flexible repayment lower Interest rates for other loans availed from HDFC Bank. n
Home Extension Loan n
Land Purchase Loan n
Short Term Bridging Loan
options give you the freedom to structure the repayment schedule to suit * HDFC Home Loan Protection Plan Form No. SN14. HDFC Standard Life Insurance Co.Ltd. LOAN DETAILS
your individual needs. Insurance is the subject matter of solicitation. Purpose of Loan Construction
n n Purchase Extension
n Improvement
n Refinance n

What security will I have to provide? ** For the first year.


Estimate of Requirement of funds Estimate of Sources to meet requirement of funds
Security for the loan is a first mortgage of the property to be financed, normally by Are these policies subject to change?
way of deposit of title deeds and/or such other collateral security as may be 1. Land cost Rs. : ________________ 6. Loan requested from HDFC
necessary. Interim security may be required, if the property is under construction. Yes. These policies will be reviewed periodically. 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
Collateral or interim security could be assignment to HDFC of life insurance 2. Total purchase price/construction cost Rs. : ________________ Adjustable Rate 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
policies, the surrender value of which is at least equal to the loan amount,
guarantees from sound and solvent guarantors, pledge of shares and such other 7. Savings from Bank Rs. : _________________
investments that are acceptable to HDFC. 3. Incidental costs (if any) Rs. : ________________ 8. Disposal of investments
Please do ensure that the title to the property is clear, marketable and free from e.g. Stamp duty, Registration charges, etc. (fixed deposits / shares, etc.) Rs. : _________________
encumbrance. To elaborate, there should not be any existing mortgage, loan or
litigation which is likely to affect the title to the property adversely. 9. Amount already spent (source __________) Rs. : _________________
4. Other costs (please specify) Rs. : ________________ 10. Provident Fund (refundable/non-refundable) Rs. : _________________
Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal record. 5. Loan outstanding (for refinance) Rs. : ________________ 11.Other (specify ________________________) Rs. : _________________
INSTRUCTIONS (PLEASE READ CAREFULLY)
A. Total requirement of funds (Total) Rs. : ________________ B. Estimate of sources of funds (Total) Rs. : _________________
1. Please read the BROCHURE carefully.
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.
2. The application form is provided to obtain relevant details to help us process your application. 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.
Any other information that you feel is necessary could be detailed in a covering letter.
3. Please write or type in BLOCK LETTERS, e.g. S A T I S H n Name and Address of Local Contact/Power of Attorney in India FOR OFFICE USE ONLY
4. Fill 4 where applicable Marital Status
e.g. indicating married status. q Single q3 Married q Other PASTE RECENT PASTE RECENT Fees : Rs. ____________
PHOTOGRAPH PHOTOGRAPH
5. All details must be filled in. If not applicable please write N.A. OF OF Date : _______________
APPLICANT CO-APPLICANT LAND MARK:
6. Applicants should ensure that the application is complete in every respect and all the required documents are submitted WITH WITH PIN CODE: — — — — — — STATE: Initials : _______________
with this application. A complete form with necessary documents will help us process your application faster. SIGNATURE SIGNATURE PHONE NO. — — — — — — — — (M): — — — — — — — — — — File No. : _______________
7. HDFC reserves the right to reject any application at any stage without assigning any reason.
E-MAIL
8. Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal record. DSA Code: ______________
RELATIONSHIP WITH APPLICANT:

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

l PROPERTY RELATED SERVICES IDENTIFICATION &

l LAND LOANS FOR HOUSING

l HOME EXTENSION LOANS

l HOME IMPROVEMENT LOANS

l HOUSING LOANS

NON-RESIDENT INDIANS
LOAN FACILITIES OFFERED BY HDFC TO
Regd. Office: Ramon House, H T Parekh Marg, 169, Backbay Reclamation, Churchgate,
PERSONAL INFORMATION OF APPLICANT(S) Mumbai 400 020. Ph.:(91)(022) 66316000, 22820282. Fax:(91)(022) 022-22811205.

SALES PROPERTY VALUATION


When can I take disbursement of the loan?
Applicant Co-applicant
You can take disbursement of the loan after the property has been technically
evaluated, all legal documentation has been completed and you have invested Surname First Name Middle Name Surname First Name Middle Name
your own contribution in full. Own contribution is the total cost of the property NAME
less HDFC’s loan.
FATHER’S /HUSBAND’S NAME
If you are based in the Middle East you can request for the disbursement of your
loan through our office in Dubai or our Service Associates in Abu Dhabi, Kuwait, n CURRENT RESIDENTIAL P.O. Box: P.O. Box:
Oman, Qatar, Saudi Arabia and Sharjah. ADDRESS
The disbursement would be in Indian Rupees and made at the HDFC branch
specified by you. City: Country: City: Country:
In how many instalments can the loan be disbursed? PHONE NO. WITH ISD CODE — — — — — — — — — — — — Mobile: — — — — — — — — — — Mobile: — — — — — — — — — — Relationship with Applicant:
3. Additional documents to be submitted by PIOs _________________
The loan will be disbursed in full or in suitable instalments (normally not exceeding CURRENT RESIDENCE IS n Self owned Family Rented Company Leased/Provided by Employer
n n n

A photocopy of PIO Card. If the individual does not have a PIO Card,
photocopies of any of the following are to be submitted.
three in number) taking into account the requirement of funds and progress of
construction, as assessed by HDFC, and on a disbursement request letter given by
n Permanent Address in India:
a. Photocopy of the current Passport indicating birthplace as ‘INDIA’. you and not necessarily according to a builder’s agreement. Land Mark: Pin Code:
b. Photocopy of Indian passport, if held by the individual earlier. You are advised in your own interest to enter into such agreements with builders PHONE NO. WITH STD CODE — — — — — — — — — — — — — — — — — — — — — — — — Mobile: — — — — — — — — — —
c. Photocopy of parents/grandparents Indian Passport/birth certificate/ marriage whereby payment is dependent upon the progress of work and not on a time-based
certificate substantiating the individual’s claim as a person of Indian origin. schedule. E-MAIL ID
Can I repay my loan ahead of schedule? DATE OF BIRTH/SEX — — — — — — — — Age — — Yrs. x M F Age — — Yrs. x M F
n n n n
4. Power of attorney as per HDFC’s draft. —— —— ————

Yes. You can repay the loan ahead of schedule, either in part or in full, by STATUS/MARITAL STATUS n
Non-Resident PIO’s x
n Single Married
n n Other Non-Resident PIO’sx Single Married Other
n n n n n n

Who can be co-applicants? remittances from abroad through normal banking channels, your Non-Resident
Proposed owners of the property, in respect of which you are seeking financial (External) Account and/or Non-Resident (Ordinary) Account/NRSR Account in NO. OF DEPENDANTS _____ Children _____ Others _____ Children _____ Others
assistance will have to be co-applicants. However, all co-applicants need not be India. HDFC also offers a facility to accelerate the repayment of the loan by OCCUPATION & DESIGNATION n Employed Self employed x
n Employed Self employed x
n n

co-owners. increasing the EMI at anytime, this will help you to repay your loan faster. This
acceleration facility is available free of charge. QUALIFICATIONS
What is the maximum term in which I can repay the loan?
The term of repayment of the loan is upto seven years. (Term beyond 7 years upto Does the Agreement for Sale have to be registered? MONTHLY INCOME Rs. Rs.
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 OTHER INCOME Rs. Source: Rs. Source:
is required by law to be registered. You are advised, in your own interest to lodge
to determine the repayment term to suit your convenience.
How do I repay the loan? the Agreement for registration within four months of the date of the Agreement at n EMPLOYER/BUSINESS NAME
the office of the Sub-Registrar appointed by the State Government, under the

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,
You repay the loan in Equated Monthly Instalments (EMIs) comprising principal and AND ADDRESS (Please mention the
Indian Registration Act, 1908.
interest. Repayment by way of EMI commences from the month following the

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
address of the office you are based at) Country: Country:
month in which you take full disbursement. EMI is payable every month, by the Does the property have to be insured?
end of that month. OFFICE PHONE NO. WITH ISD CODE — — — — — — — — — — — — , — — — — — — — — — — — — — — — — — — — — , — — — — — — — —
You will have to ensure that the property is duly and properly insured for fire and
In respect of the period prior to commencement of EMI, you pay interest on the other appropriate hazards, as required by HDFC, during the pendency of the loan E-MAIL ID
amount of the loan disbursed. This interest is called Pre-EMI interest. Pre-EMI and to produce evidence thereof to HDFC, each year and/or whenever called upon YRS. IN PRESENT OCCUPATION Yrs. Retirement age Yrs. Yrs. Retirement age Yrs.
interest is payable every month, by the end of the month, from the date of each to do so. HDFC should be the beneficiary of the insurance policy.
disbursement upto the date of commencement of EMI. Pre-EMI is calculated at the DEPARTMENT Employee No.: Employee No.:
same rate at which EMI is calculated. Will HDFC assist me in selecting accommodation of my choice?
Applicant: Passport No. — — — — — — — — — — Visa Valid upto: — — — — — — — — Co-applicant: Passport No. — — — — — — — — — — Visa Valid upto: — — — — — — — —
Payments for fees, charges, and pre-EMI interest should be remitted to HDFC from Yes, HDFC will be glad to be of assistance in selecting accommodation of your
abroad through normal banking channels or from the Non-Resident (External) choice in select cities in India. For information on this service, do contact our Loan Please indicate preferred HDFC location for processing your application in India: _______________________________________
Account/Non-Resident (Ordinary) Account/NRSR Account in India. Counsellor or log on to HDFCrealty.com. Please indicate preferred Communication address by ticking 3
q the appropriate box.
EMI payments are to be made through post dated cheques or standing Value additions from HDFC Group companies:
instructions from your Non-Resident (External) Account/Non-Resident (Ordinary) LOAN REQUESTED TYPE OF LOAN
Account/NRSR Account in India. Only HDFC Home Loans offer you a specially designed life insurance Rest Frequency Annual n n Monthly
cover* at an attractive price from HDFC Standard Life, Home/Accident Amount Rs. : ___________________ Term: yrs.________ Signature
Cash payments will not be accepted. Insurance Product from HDFC Chubb General Insurance Company Ltd., Rate Option Fixed n n Adjustable of
Do I have flexibility in repayment terms? automatic repayment of HDFC Home Loan EMIs from your HDFC Bank Your monthly Expenditure Rs. : ____________
n Combination Applicant_____________________
HDFC offers you various flexible repayment options like Step Up Savings Account, an HDFC Bank Savings Account with a low Average Instalment you and co-applicant
Repayment Facility (SURF), Flexible Loan Instalment Plan (FLIP), Balloon Quarterly Balance, free HDFC Bank International Credit Card** and (if any) can pay to HDFC per month Rs. : ____________ n
Home Loan n
Home Improvement Loan n
Home Conversion Loan
Payment Plan and Structured Repayment Plan. These flexible repayment lower Interest rates for other loans availed from HDFC Bank. n
Home Extension Loan n
Land Purchase Loan n
Short Term Bridging Loan
options give you the freedom to structure the repayment schedule to suit * HDFC Home Loan Protection Plan Form No. SN14. HDFC Standard Life Insurance Co.Ltd. LOAN DETAILS
your individual needs. Insurance is the subject matter of solicitation. Purpose of Loan Construction
n n Purchase Extension
n Improvement
n Refinance n

What security will I have to provide? ** For the first year.


Estimate of Requirement of funds Estimate of Sources to meet requirement of funds
Security for the loan is a first mortgage of the property to be financed, normally by Are these policies subject to change?
way of deposit of title deeds and/or such other collateral security as may be 1. Land cost Rs. : ________________ 6. Loan requested from HDFC
necessary. Interim security may be required, if the property is under construction. Yes. These policies will be reviewed periodically. 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
Collateral or interim security could be assignment to HDFC of life insurance 2. Total purchase price/construction cost Rs. : ________________ Adjustable Rate 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
policies, the surrender value of which is at least equal to the loan amount,
guarantees from sound and solvent guarantors, pledge of shares and such other 7. Savings from Bank Rs. : _________________
investments that are acceptable to HDFC. 3. Incidental costs (if any) Rs. : ________________ 8. Disposal of investments
Please do ensure that the title to the property is clear, marketable and free from e.g. Stamp duty, Registration charges, etc. (fixed deposits / shares, etc.) Rs. : _________________
encumbrance. To elaborate, there should not be any existing mortgage, loan or
litigation which is likely to affect the title to the property adversely. 9. Amount already spent (source __________) Rs. : _________________
4. Other costs (please specify) Rs. : ________________ 10. Provident Fund (refundable/non-refundable) Rs. : _________________
Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal record. 5. Loan outstanding (for refinance) Rs. : ________________ 11.Other (specify ________________________) Rs. : _________________
INSTRUCTIONS (PLEASE READ CAREFULLY)
A. Total requirement of funds (Total) Rs. : ________________ B. Estimate of sources of funds (Total) Rs. : _________________
1. Please read the BROCHURE carefully.
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.
2. The application form is provided to obtain relevant details to help us process your application. 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.
Any other information that you feel is necessary could be detailed in a covering letter.
3. Please write or type in BLOCK LETTERS, e.g. S A T I S H n Name and Address of Local Contact/Power of Attorney in India FOR OFFICE USE ONLY
4. Fill 4 where applicable Marital Status
e.g. indicating married status. q Single q3 Married q Other PASTE RECENT PASTE RECENT Fees : Rs. ____________
PHOTOGRAPH PHOTOGRAPH
5. All details must be filled in. If not applicable please write N.A. OF OF Date : _______________
APPLICANT CO-APPLICANT LAND MARK:
6. Applicants should ensure that the application is complete in every respect and all the required documents are submitted WITH WITH PIN CODE: — — — — — — STATE: Initials : _______________
with this application. A complete form with necessary documents will help us process your application faster. SIGNATURE SIGNATURE PHONE NO. — — — — — — — — (M): — — — — — — — — — — File No. : _______________
7. HDFC reserves the right to reject any application at any stage without assigning any reason.
E-MAIL
8. Please take photocopies of all documents that are submitted to HDFC (including this application form) for your personal record. DSA Code: ______________
RELATIONSHIP WITH APPLICANT:

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


pm. Thu: 8.00 am to 1.00 pm.
4777061. Ext.: 123, 1-4777437 Fax: 966-1-4778919. Email: hdfcryd@rezayat.com.sa Timings: Sat to Wed: 8.00 am to 1.00 pm & 4.00 pm to 7.00
Deshmukh. Rezayat Trading Co. Ltd. P.O.Box: 966, First Floor, ABB Building, Opp. Malaz Zoo, Pepsi Cola Road. Riyadh 11421. Tel: 966-1-
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. Riyadh: Contact: Mr. Khaleel
6670, Rear Side of Jamjoom Center, Jeddah 21452. Tel: 966-2-6654901, 6611333. Ext: 230; Mobile: 966-0503869830. Fax: 966-2-6637616. Email:
Sun 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:
Khobar 31952. Tel: 966-3- 8974227, 8954739, 8954108 Mobile: 0500570261 Fax: 966-3- 8974227 Ext: 104 Email: hdfc@rezayat.com.sa Timings:
Sreekumar, Rezayat Trading Co. Ltd., P.O. Box: 90, King Khalid St. 4th Cross, Opp. Al Ghazali (Rado Showroom), Above Al Khatir Studio, Al
Sat 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 / Mr. R
- 1st Floor, Near Indian Airlines office, Doha - Qatar. Tel: 0974 - 4325060 / 4365060 Fax: 0974 - 4353560 Email: investec@qatar.net.qa Timings:
1.30 pm Qatar: Contact: Mr. Ravindranathan, Investec W.L.L, P.O.Box 3002, New Share Kaarba (Al Deewan Street), Above Al Fardan Perfumes
btc.hdfc@suhailbahwangroup.com Working Days: Saturday to Wednesday Working Hours : 8 am to 1.30 pm & 4 pm to 7 pm Thursday : 8 am to
Company LLC, P.O. Box 21, Ruwi, Postal Code: 112, Sultanate of Oman. Tel : (968) 24793741 Ext. 145. Fax : (968) 24706087 Email:
Fax: 00965-4849142. Email id - kapilk@hdfc.com, hdfc@moashinvest.com Oman: Contact: Mr. Kesavan / Mr. Sumesh Soman, Bahwan Trading
International Shiwaikh Industrial Area - 3, Opp. Al Wazaan Catering, Street No.33, Shuwaikh - Kuwait. Tel: 00965-484 6883(10 lines) Ext:107/108
Timings: Sat to Thu: 8.30am to 5.30pm. Kuwait: Contact: Mr.Kapil Kapur, Moashk Securities & Investments, C/O Mohammed Ashkanani
6105648/40, +971-26105649/40, Fax: +971-2-6322169. Email: gagan.preet@uaeexchange.com / ramesh.ravindranath@uaeexchange.com
NMC Group, Level - 01, Al Sayegh Centre, Corporate Office, P.O. Box No.: 170, UAE Exchange LLC, Hamdan Street, Abu Dhabi. Tel: +971-2-
Timings: Sat to Wed: 9.00 am to 6.00 pm Thu: 9.00 am to 2.00 pm. Abu Dhabi: Contact: Mrs.Gaganpreet Kaur / Mr. Ramesh Ravindranath, The
Choithram Supermarket, King Faisal Road, P.O. Box 4735, Sharjah, UAE. Tel: +971-06-5599511 Fax: +971- 06-5599519. Email: panama@eim.ae
Sharjah: Contact: Mr.Chetan Kandhari / Ms.Manjula Khatri, Panama Advertising & Marketing, Office # 8, 2nd floor, Marine House, Above
SERVICE ASSOCIATES
7872 5542 + 44 (0) 20 7872 5545 Fax: + 44 (0) 20 7872 5548 email: arijits@hdfc.com
London: Contact: Mr. Arijit Sanyal, Branch Manager, 403, 1 Northumberland Avenue, Trafalgar Square, London WC2N 5BW. Tel:+ 44 (0) 20
8.30 am to 1.00 pm & 2.00 pm to 6.00 pm. Thu: 9.00 am to 1.00pm.
Trade Centre Road, P.O. Box : 29022, Dubai, UAE. Tel: +971-4-3961825. Fax: +971 - 4 - 3961890. Email: response@hdfc.ae Timings: Sat to Wed:
UAE Dubai: HDFC Ltd. : Contact: Ajay Verma, Office No. 105, 1st Floor, Juma Al-Majid Commercial Building, Opp. Burjuman Center (Extension),
INTERNATIONAL OFFICE / REPRESENTATIVE OFFICES
FINANCIAL INFORMATION Home Loans for

INTERNATIONAL OFFICES
SAVINGS, INVESTMENTS, ETC. LOANS TAKEN/PROPOSED
Particulars Applicant (Rs.) Co-applicant (Rs.) Important: Non disclosure / false declaration can lead to cancellation of your loan With you, right through Non-Resident Indians (NRIs) /
Savings in Bank application. Regd. Office: Ramon House, HT Parekh Marg,169, Backbay Reclamation, Persons of Indian Origin (PIOs)
Source/Purpose Outstanding Monthly Instalment Term Churchgate, Mumbai 400 020. e-mail: response@hdfc.ae
NR(E) ____________ ____________ 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
of Loan Amount (Rs.) Payable (Rs.) (Months)
NR(O) ____________ ____________
Applicant : 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?
NRSR ____________ ____________ Employer ____________ ____________ _________ 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
Immovable Property Bank ____________ ____________ _________ 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
(specify) ____________ ____________ 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
Others ____________ ____________ _________ single-family or multi-family bungalow or row house. charged on the fees collected.
Other Assets (specify) Co-applicant : HDFC, through its office in Dubai and Service Associates in Abu Dhabi, CHARGES:
1. _______________________ _______________________ Sharjah, Kuwait, Oman, Qatar and Saudi Arabia (Al Khobar, Jeddah & Riyadh)
Employer ____________ ____________ _________ offers to the Middle East based NRIs/PIOs who wish to acquire homes in India: For Fixed Rate Home Loans (FRHL) an early redemption charge of 2% of the
2. _______________________ _______________________ Advisory services in real estate i.e. information and services regarding amount being prepaid is payable, if the amount being repaid is more than 25%
Bank ____________ ____________ _________ l
of the opening balance*. However, under Adjustable Rate Home Loans (ARHL)
buying and selling of real estate in India.
3. _______________________ _______________________ Others ____________ ____________ _________ option early redemption charges of 2% is payable only in case of commercial
l Advisory services in real estate financing i.e. facilitate NRIs/PIOs taking refinance. You may be required to submit copies of your Bank Statments or any
loans from HDFC – India. other documents that HDFC deems necessary to verify the source of
BANK ACCOUNT DETAILS (PLEASE MENTION DETAILS OF YOUR SALARY ACCOUNT IN ROW 1 AND OTHER INDIAN & OVERSEAS A/C IN ROW 2 & 3)
GENERAL INFORMATION ON HOME LOANS prepayment.
Name of Account Holder Name of Bank Branch Name Account No.(s) Type of account
What is the maximum loan amount I can borrow? You can make payments for fees and charges by cheque marked "Payee's
OVERSEAS NRE NRO
account only" drawn on a bank in a city where HDFC has an office or by
1. 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
2. How will HDFC decide the loan amount I am eligible for? Dihrams by cheque (if based in Dubai) or Bank Demand Draft (if based
3. Subject to the above, your repayment capacity as determined by HDFC, will elsewhere in the Middle East) drawn in favour of “Housing Development
help decide how much you can borrow. Repayment capacity takes into Finance Corporation Limited”.
DETAILS OF PROPERTY (TO BE PURHASED/CONSTRUCTED/EXTENDED/IMPROVED) (PLEASE COMPLETE AS APPLICABLE) consideration factors such as income, age, qualifications, work experience, *Subject to terms and conditions.
number of dependants, spouse’s income, assets, liabilities, stability and What is the rate of interest that will be charged on my loan and what will
Address of dwelling unit: Mention dwelling unit Area of Land : Sq.m.x Built-up area : Sq.m. continuity of occupation, alternate employment prospects when you return to
no., street, Nearest land mark city and pin code. India and savings history. And, of course, HDFC’s main concern is to make sure be the Equated Monthly Instalment (EMI)?
Cost of land : Rs. For the current rates of interest and EMIs please check with HDFC.
If not selected, mention intended location: you can comfortably repay the amount you borrow.
01732-320547. YAVATMAL Tel: 07232-239941.
VADODARA (Waghodia Road) Tel: 0265-2514164. VAPI Tel: 0260-2462573. VARANASI Tel: 0542-3251474. VIJAYAWADA Tel: 0866-2483262. VISAKHAPATNAM Tel: 0891-2552876. WASHIM Tel: 07252-231302. YAMUNA NAGAR Tel:
3255000. THRISSUR Tel: 0487-2442565. TIRUCHIRAPALLI Tel: 0431-2412744. TIRUNELVELI Tel: 0462-3955000. TUTICORIN Tel: 0461-3955000. UDAIPUR Tel: 0294-2561060. UJJAIN Tel: 0734-5010222. VADODARA Tel: 0265-2356397.
(Tarnaka) Tel: 040-27014041. SILIGURI Tel: 0353-2640716. SIMLA Tel: 0177-2622211. SOLAPUR Tel: 0217-2316804. SURAT (Majura Gate) Tel: 0261-2479371. SURAT (Adajan) Tel: 0261-2772258. THIRUVANANTHAPURAM Tel: 0471-
2472337. RANCHI Tel: 0651-2331055. RATLAM Tel: 07412-507375. RENUKOOT Tel: 05446-252774. ROPAR Tel: 01881-224986. SALEM Tel: 0427-2314486. SANGLI Tel: 0233-2329891. SATARA Tel: 02162-226400. SECUNDERABAD
(Chinchwad) Tel: 020-27450219. PUNE (Kothrud) Tel: 020-25453592. PUNE (Nagar Road) Tel: 020-26685258. PUNE (Magarpatta City) Tel: 26823114. RAJAHMUNDRY Tel: 0883-2461200. RAIPUR Tel: 0771-4092585. RAJKOT Tel: 0281-
2209273. PATHANAMTHITTA Tel: 0468-3255000 PATNA Tel: 0612-2320378. PITHAMPUR Tel: 07292-252127. PONDICHERRY Tel: 0413-2205421. PUNE (University Road) Tel: 020-25505000. PUNE (Camp) Tel: 020-26351738. PUNE
(Vikas Puri) Tel: 011-28540989. NEW DELHI (Lodhi Road) Tel: 011-24643755. NEW DELHI (Rohini) Tel: 011-32906820. NOIDA Tel: 0120-2512058. PALAKKAD Tel: 0491-2536481. PANCHKULA Tel: 0172-2570436. PATIALA Tel: 0175-
Link Road) Tel: 0253-6606000. NASHIK (Indira Nagar) Tel: 0253-2325301. NASHIK (Panchavati) Tel: 0253-2621953. NASHIK ROAD Tel: 0253-2467994. NELLORE Tel: 0861-2302347. NEW DELHI (Munirka) Tel: 011-41115111. NEW DELHI
BELAPUR (Navi Mumbai) Tel: 022-27561781. NERUL (Navi Mumbai) Tel: 022-27718787. NEW PANVEL Tel: 022-66166242. MYSORE Tel: 0821-2433770. NAGERCOIL Tel: 04652-325500. NAGPUR Tel: 0712-2566000. NASHIK (Sharanpur
0251-2201580. DOMBIVLI Tel: 0251-2861473. THANE (Gokhale Road) Tel: 022-25451114. THANE (Vikas Complex) Tel: 022-25471568. VASHI (Navi Mumbai) Tel: 022-65165201. KOPARKHAIRANE (Navi Mumbai) Tel: 022-27550615.
MUMBAI (Dadar) Tel: 022-24146267. MUMBAI (Malad) Tel: 022-28446307. MUMBAI (Mulund) Tel: 022-25655633. MUMBAI (Parel) Tel: 022-24707497. MUMBAI (Virar) Tel: 0250-2511654. AMBARNATH Tel: 0251-2603168/9. KALYAN Tel:
Tel: 022-26830048. MUMBAI (Andheri West) Tel: 022-26733981. MUMBAI (Andheri-Kurla Road) Tel: 022-28304251. MUMBAI (Borivli) Tel: 022-65826806. MUMBAI (Goregaon) Tel: 022-67546111. MUMBAI (Chembur) Tel: 022-25291188.
2429856. MADURAI Tel: 0452-2350715. MALAPPURAM Tel: 0483-2738873. MANGALORE Tel: 0824-2445220. MEERUT Tel: 0121-2768172. MOHALI Tel: 0172-2220116. MUMBAI (Churchgate) Tel: 022-66316000. MUMBAI (Andheri East)
07759-245253. KOTA Tel: 0744-2436981. KOTTAYAM Tel: 0481-2304985. LUCKNOW (Ashok Marg) Tel: 0522- 3989123. LUCKNOW (Aliganj) Tel: 0522-2763494. LUCKNOW (Gomti Nagar) Tel: 0522-2303770. LUDHIANA Tel: 0161-
KOLKATA (Old Court House Street) Tel: 033-22481308 / 27 KOLKATA (Salt Lake City) Tel: 033-23215949. KOLKATA (Behala) Tel: 033-24468392. KOLKATA (Garia) Tel: 033-24351082. KOLLAM Tel: 0474-3955000, 2762551. KORBA Tel:
0497-2765850. KANPUR Tel: 0512-3259998. KARNAL Tel. : 645 1231-32. KOCHI (M. G. Road) Tel: 9895399900. KOCHI (Palarivattom) Tel: 0484-2346684. KOLHAPUR Tel: 0231-2664034. KOLKATA (Middleton Street) Tel: 033-23215060.
JALANDHAR Tel: 0181-2225633. JALGAON Tel: 0257-2220762. JAMMU Tel: 0191-2434419. JAMNAGAR Tel: 0288-2664212 JAMSHEDPUR Tel: 0657-2424518. JHANSI Tel: 0517-3290532. JODHPUR Tel: 0291-2644448. KANNUR Tel:
Tel: 0731-5026442. INDORE (Prabhu Nagar) Tel: 0731-5028222. JABALPUR Tel: 0761-5065771. JAIPUR (Ashok Marg) Tel: 0141-5150888. JAIPUR (Mansarovar) Tel: 0141-2781981. JAIPUR (Vaishali Nagar) Tel: 0141-5110410.
Bagh) Tel: 040-66475001. HYDERABAD (Dilsukhnagar) Tel: 040-24540845. HYDERABAD (Kukatpally) Tel: 040-23155944. HYDERABAD (Panjagutta) Tel: 040-23414855. INDORE (M G Road) Tel: 0731-4223300. INDORE (Vijaya Nagar)
GURGAON Tel: 0124-5061772/3. GUWAHATI Tel: 0361-2666915. GWALIOR Tel: 0751-4011970. HARDWAR Tel: 01334-324100. HINGOLI Tel: 02456-224515. HOSUR Tel: 04344-247444. HUBLI Tel: 0836-2356345. HYDERABAD (Basheer
FARIDABAD Tel: 0129-2226912. GANDHIDHAM Tel: 02836-228704. GHAZIABAD Tel: 0120-2721446. GHAZIABAD (Vaishali) Tel: 0120-2688148. GOA Tel: 0832-2429222. GULBARGA Tel: 08472-241966. GUNTUR Tel: 0863-2217538.
COIMBATORE (NSR Road) Tel: 0422-4399881. CUTTACK Tel: 0671-2332061. DEHRADUN Tel: 0135-3296500. DEWAS Tel: 07272-254550. DHULE Tel: 02562-273500. DURGAPUR Tel: 0343-2549778. ERODE Tel: 0424-2240928.
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: 0422-4301100.
CALICUT Tel: 0495-2367656. CHANDIGARH Tel: 0172-3989123. CHANDRAPUR Tel: 07172-271563-5. CHENNAI (Anna Salai) Tel: 044-28599300. CHENNAI (Adyar) Tel: 044-23452000. CHENNAI (Anna Nagar) Tel: 044-23451998.
512739. BHOPAL (MP Nagar) Tel: 0755-5277772. BHOPAL (Kamla Bhawan) Tel: 0755-5229990. BHILWARA Tel: 01482-232902. BHUBANESWAR Tel: 0674-6532020. BILASPUR Tel: 07752-500707. BULDHANA Tel: 07262-246301.
(Basaveswaranagar) Tel: 080-23584222. BANGALORE (Electronic City) Tel: 9900180599. BAREILLY Tel: 0581-3292008. BHARUCH Tel: 02642-245245. BHATINDA Tel: 501 2218-19. BHILAI Tel: 0788-5040840. BHIWADI Tel: 01493-
227771. AURANGABAD (Jalna Road) Tel: 0240-2349300. BANGALORE (Kasturba Road) Tel: 080-41183000. BANGALORE (Jayanagar) Tel: 080-26544471. BANGALORE (Koramangala) Tel: 080-41101621. BANGALORE
AKOLA Tel: 0724-2442454. ALWAR Tel: 0144-2702739. ALLAHABAD Tel: 0532-3297506. AMBALA Tel: 0171-2630880. AMRAVATI Tel: 0721-2666009. AMRITSAR Tel: 0183-5010512. ANAND Tel: 02692-255514. ANKLESHWAR Tel: 02646-
AGRA Tel: 0562-2526769. AHMEDABAD (Navrangpura) Tel: 079-66307000. AHMEDABAD (Maninagar) Tel: 079-25450081. AHMEDABAD (Satellite) Tel: 079-26933611. AHMEDNAGAR Tel: 0241-2320818. AJMER Tel: 0145-2624994.
BRANCH OFFICES (IN INDIA):

Cost of construction/purchase/extension: Rs. Under the monthly rest option, interest is calculated on monthly rests. Principal
__________________________________________ When can I make an application? repayments are credited at the end of every month.
Stage of construction / extension : You can apply for a loan whilst you are working abroad, to plan for your return
__________________________________________ At HDFC you have the choice between the normal FRHL & FRHL with Money
to India in the future. The application can also be made even if the property Market Clause and the innovative Adjustable Rate Home Loan (ARHL).
__________________________________________ Yes No has not been selected or the construction/improvement has not commenced. Alternatively, you can also avail part of the loan under FRHL and balance under
HDFC has over 180 Offices all over India...

__________________________________________ If property not selected would you like HDFC Realty to assist you? n n How do I make an application? ARHL.
__________________________________________ Do you propose to rent the dwelling unit ? n n It’s simple! Complete the application form attached to this brochure and submit
it along with the supporting documents at any HDFC office
HDFC also offers you the option to switch between schemes* for a nominal fee.
__________________________________________ Are you the sole owner of the dwelling unit ? n n or Service Associate that is convenient to you. On
Interest rates on the ARHL will be linked to HDFC’s Retail Prime Lending Rate
(RPLR). The rate on your loan will be revised every three months from the date
Is the legal title to the dwelling unit clear ? n n receipt of the completed application form with the
prescribed fee (including taxes as applicable)
of the first disbursement, if there is a change in RPLR, i.e. the interest rate on
your loan may change. However, the EMI on the Home Loan disbursed will not
Pin: — — — — — — State: ________________ Will HDFC be able to obtain first mortgage of the dwelling unit ? n n HDFC will consider your application, make
enquiries as it deems necessary and convey its
change*. (If the interest rate increases, the interest component in an EMI will
increase and the principal component will reduce, resulting in an extension of
GENERAL [APPLICABLE TO APPLICANT AND CO-APPLICANT (IF ANY)] Download decision to you. the term of loan, and vice versa when the interest rate decreases).
Yes No 4. What other security will you be able Are you a citizen(s) of application form You can also appoint a Power of Attorney in HDFC offers special rates for its loyal customers (past & present). Existing
to provide _______________________ or apply online at India and the Power of Attorney should be housing loan customers can avail the Home Improvement Loans (HIL) at special
1. Have you or your spouse earlier India? executed as per the draft provided by HDFC. terms.
applied to HDFC for a loan ? n
________________________________
n 5. Please mention the details of your n Yes n No. www.hdfc.com Can I apply for a loan to repay a *Subject to terms and conditions.
Do you belong to housing loan availed by me from another
What are the supporting documents to be submitted along with an
n SC n ST n NA
If yes, File / Loan A/c No. ______________ Non-Resident (External) Account/ bank / housing finance company?
Non-Resident (Ordinary) Account/ Yes, you can avail of HDFC’s home loan to application?
2. Have you or your spouse given guarantee(s)
n n
NRSR Account in India from which repay a loan availed by you from another bank The following documents are to be submitted along with the application:
post dated cheques/standing Did you get to know HDFC / housing finance company. 1. Employment / Residency related documents:
for any borrower/s of HDFC ?
instructions will be issued for through: Photo copies of :
If yes, a) File / Loan A/c No. ______________ repayment of loan n Advertisement
b) Name of borrower/s ___________________ Bank Name: _____________________ n Service Associates a) Employment contract (if the
contract is in a language other
f) Visa stamped on the passport.
3. When would you a) Sanctioned (Date) ________ Branch: __________________________ n Builder/Developer than English, an English
g) Continuous Discharge Certificate
(CDC) - (for applicants employed
prefer your loan to be: b) Disbursed (Date) ________
A/c Number: _______________________
n Friends/Relatives translation of the same attested
by the Embassy/Employer should
in the merchant navy).
be given). h) Overseas Bank Account and

ç
NRE/NRO Statement for the last
Would you be HDFC Home Loan Protection plan Home Accident Insurance Protection Products offered by HDFC Bank ? b) Past occupational history. six months.
interested in from HDFC SLIC: Yes No n n from HDFC CHUBB: Yes No n n n Savings Bank Account n Credit Card n Other Loans c) Latest salary slip/certificate. i) Latest Credit Bureau report.**
REFERENCES (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)
d) Latest work permit/Labour card.
e) Identity card issued by current
HDFC may 1. 2. employers.
make such **Applicable to customers residing in countries where Credit Bureaus exists. eg. USA, UK etc.
enquiries from
the referees, E-mail: Pin: — — — — — — E-mail: Pin: — — — — — — 2. Property Related Documents:
if it deems Mobile: Mobile: a) Receipts for payments made for purchase of the dwelling unit.
necessary b) Copy of approved drawings of proposed construction/ purchase/ extension.
Tel (O): — — — — — ———————— (R) — — — — — ———————— Tel (O): ————— ———————— (R) — — — — — ————————
c) Agreement for sale / sale deed / detailed cost estimate from Architect /
DECLARATION Engineer for property to be purchased/constructed/ extended/improved.
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
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 d) Allotment letter from the co-operative society / association of apartment
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 Instalment comprising owners.
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
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
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 Applicants from the Middle East can co-ordinate all their future
(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
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. requirements through the HDFC Dubai Office.

A042/6/07/5
Date _________________ Applicant's Signature ________________________ Co-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

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