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Home Construction Loan


You have a plot of land where you would like to build your dream home or your home to be. We at RHDFC can help you in financing the construction of your house, whether you are salaried or self-employed, on self-owned plot of land situated within Municipal / Local Development Authority limits.


All Individuals above the age of 21 years and 25 years in case of NRI, working for a minimum of 2 years in case of Documented & 3 years in case Semi-Documented profile or having a stable source of income.

Loan Term:

Loan repayment extends up to 20 years depending upon the product and profile. The term cannot extend beyond the age of 65 years.

Loan Amount :

Basis your eligibility and the property value, you may get loan up to 75% of market value of the property. The loan amount ranges from Rs. 2 lakhs to Rs. 30 lakhs and is determined taking into account factors like:

  • Repayment capacity

  • Tenor of the loan

  • Co-applicant's income

  • Value of the property

  • Current liabilities

  • Saving habits, and more

Modes of Repayment:

You can pay your home loan EMIs through:

  • Electronic Clearing Service (ECS)/ National Automated Clearing House(NACH)- based on standing instructions,given to your bank

  • Post Dated Cheques (PDCs) - Drawn on your salary/savings account. (Only for locations where ECS/NACH facility is not available.)

Documents required:

RHDFC, offers attractive interest rates and unbeatable benefits to ensure that you get the best deal without any hassles. Keeping your convenience in consideration, we ask you for minimal mandatory documents for the sanctioning of your Home Loan. We require the following documents to sanction your Home Loan. Refer our Policy for details.

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