Conventional Facilities
HDFC offers conventional housing finance for home construction, purchase, improvement, holiday homes, and unsecured financing.
Home Construction
Fund your home build with staged disbursements. Enjoy flexible interest rates from 11% to 12.25% based on your equity, with repayment tenures up to 25 years.
Home Purchase
Finance your new house or apartment. Access competitive rates from 10% to 12.25% with extended repayment tenures up to 30 years across our options.
Home Improvement
Renovate or extend your current property with no mortgage required. Access between MVR 50,000 and 2.5M at 11% p.a., with repayment terms up to 15 years.
Holiday Home
Develop a holiday property on your own land. Requires only 15% equity with repayment tenures up to 20 years, with options to pool income for assessment.
Lite Financing
Secure unsecured, small-ticket funding from MVR 50,000 to 500,000 at 15% p.a. Features a 5-year tenure with simple repayments via employer salary deduction.
Home Facility Top-Up
Access additional funds to complete your ongoing home construction. Exclusively for existing HDFC borrowers, offering lower rates and tenures up to 25 years.
Lease Buyout
Buy out your property lease under a long-term agreement. Secure financing up to MVR 5M at a 12.25% interest rate, with a repayment tenure of up to 10 years.
Make Home Happen
Competitive Rates
We price our loans fairly so you keep more of what you earn.
Flexible terms
Choose repayment periods that work with your life, not against it.
Wide coverage
We finance properties across multiple categories and locations nationwide.
FAQs
Find answers to common questions about our facilities and how to apply.
We offer straightforward terms, competitive rates, and a process built on transparency. Our team understands what you need and works to get you there without the usual complications.
Most applications are reviewed within two weeks. We move fast because we know time matters when you're ready to build or buy. The exact timeline depends on how quickly you provide required documents.
We finance homes you're building, buying, or improving. We also cover commercial properties, plots with construction plans, and boarding houses. Each property type has its own eligibility requirements.
Yes. Our Amna facilities follow Shariah principles and are structured to align with Islamic banking standards. They're available for housing finance with the same straightforward process as our conventional options.
Our calculators are free and open to everyone. Use them to estimate EMI, check affordability, plan your budget, or compare loan options. They give you a clear picture before you apply.