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Home Loans forNon-Resident Indians (NRIs) /Persons of Indian Origin (PIOs)BROCHURE CUM APPLICAT ION FORM

Regd. Office: Ramon House, HTParekh Marg,169, Backbay Reclamation,Churchgate, Mumbai 400 020. e-mail: response@hdfc.aeVisit us at www.hdfc.com

HDFC offers you Loans for Homes - for buying or constructing your home oreven to extend or improve your existing home. HDFC will also financepurchase of land, from approved agencies to help you construct a home of yourchoice. You could acquire a self-contained flat in an existing or proposed co-operative society, in an apartment owners association or even an independentsingle-family or multi-family bungalow or row house.HDFC, through its office in Dubai and Service Associates in Abu Dhabi,Sharjah, Kuwait, Oman, Qatar and Saudi Arabia (Al Khobar, Jeddah & Riyadh)offers to the Middle East based NRIs/PIOs who wish to acquire homes in India:l Advisory services in real estate i.e. information and services regarding

buying and selling of real estate in India.l Advisory services in real estate financing i.e. facilitate NRIs/PIOs taking

loans from HDFC India.GENERAL INFORMATION ON HOME LOANS

What is the maximum loan amount I can borrow?

You can avail of a maximum loan of 85% of the cost of the property, includingcost of the land, or the loan eligibilitywhichever is lower.

How will HDFC decide the loan amount I am eligible for?

Subject to the above, your repayment capacity as determined by HDFC, willhelp decide how much you can borrow. Repayment capacity takes intoconsideration factors such as income, age, qualifications, work experience,number of dependants, spouses income, assets, liabilities, stability andcontinuity of occupation, alternate employment prospects when you return toIndia and savings history. And, of course, HDFCs main concern is to make sureyou can comfortably repay the amount you borrow.

When can I make an application?

You can apply for a loan whilst you are working abroad, to plan for your returnto India in the future. The application can also be made even if the propertyhas not been selected or the construction/improvement has not commenced.

How do I make an application?

Its simple! Complete the application form attached to this brochure and submitit along with the supporting documents at any HDFC office

or Service Associate that is convenient to you. On

receipt of the completed application form with theprescribed fee (including taxes as applicable)

HDFC will consider your application, makeenquiries as it deems necessary and convey itsdecision to you.

You can also appoint a Power of Attorney inIndia and the Power of Attorney should beexecuted as per the draft provided by HDFC.Can I apply for a loan to repay ahousing loan availed by me from another

bank / housing finance company?Yes, you can avail of HDFCs home loan to

repay a loan availed by you from another bank/ housing finance company.

What are the fees and charges payable and when are they payable?

FEES:

A one time fee of 1.25% is payable on the loan amount applied for. This feeis in respect of costs incidental to the application. Taxes as applicable will becharged on the fees collected.

CHARGES:

For Fixed Rate Home Loans (FRHL) and FRHL with Money Market Condition(MMC) Clause an early redemption charge of 2% of the amount being prepaidis payable, if the amount being repaid is more than 25% of the openingbalance*. However, under Adjustable Rate Home Loans (ARHL) option earlyredemption charges of 2% is payable only in case of commercial refinance. You

may be required to submit copies of your Bank Statments or any otherdocuments that HDFC deems necessary to verify the source of prepayment.

You can make payments for fees and charges by cheque marked "Payee'saccount only" drawn on a bank in a city where HDFC has an office or bydemand draft (payable at par to HDFC).

NRIs/PIOs based in the Middle East are requested to pay the fee in UAEDihrams by cheque (if based in Dubai) or Bank Demand Draft (if basedelsewhere in the Middle East) drawn in favour of Housing DevelopmentFinance Corporation Limited.

*Subject to terms and conditions.What is the rate of interest that will be charged on my loan and what willbe the Equated Monthly Instalment (EMI)?

For the current rates of interest and EMIs please check with HDFC.

Under the monthly rest option, interest is calculated on monthly rests. Principalrepayments are credited at the end of every month.At HDFC you have the choice between the normal FRHL & FRHL with MoneyMarket Clause and the innovative Adjustable Rate Home Loan (ARHL).Alternatively, you can also avail part of the loan under FRHL and balance underARHL.

HDFC also offers you the option to switch between schemes* for a nominal fee.Interest rates on the ARHL will be linked to HDFCs Retail Prime Lending Rate(RPLR). The rate on your loan will be revised every three months from the dateof the first disbursement, if there is a change in RPLR, i.e. the interest rate onyour loan may change. However, the EMI on the Home Loan disbursed will notchange*. (If the interest rate increases, the interest component in an EMI willincrease and the principal component will reduce, resulting in an extension ofthe term of loan, and vice versa when the interest rate decreases).

HDFC offers special rates for its loyal customers (past & present). Existinghousing loan customers can avail the Home Improvement Loans (HIL) at specialterms.*Subject to terms and conditions.

What are the supporting documents to be submitted along with anapplication?

The following documents are to be submitted along with the application:1. Employment / Residency related documents:

Photo copies of :

a) Emp loyment contract (if thecontract is in a language otherthan English, an Englishtranslation of the same attestedby the Embassy/Employer shouldbe given).

b) Past occupatio nal history.

c) Latest salary slip/certificate.d) Latest work permit/Labour card.

e) Identity card issued by currentl

f) Visa stamped on the passport.

g) Continuous Discharge Certificate(CDC) - (for applicants employedin the merchant navy).

h) Overseas Bank Account andNRE/NRO Statement for the lastsix months.

i) Latest Credit Bureau report.**

With you, right through

Download

application form

or apply online at

www.hdfc.com

3. Additional documents to be submitted by PIOs

A photocopy of PIO Card. If the individual does not have a PIO Card,photocopies of any of the following are to be submitted.

a. Photocopy of the current Passport indicating birthplace as INDIA.

b. Photocopy of Indian passport, if held by the individual earlier.

c. Photocopy of parents/grandparents Indian Passport/birth certificate/ marriagecertificate substantiating the individuals claim as a person of Indian origin.

4. Power of attorney as per HDFCs draft.

Who can be co-applicants?

Proposed owners of the property, in respect of which you are seeking financialassistance will have to be co-applicants. However, all co-applicants need not beco-owners.

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 uptoa maximum of 20 years offered to NRI Professionals) However, HDFC endeavoursto determine the repayment term to suit your convenience.

How do I repay the loan?You repay the loan in Equated Monthly Instalments (EMIs) comprising principal andinterest. Repayment by way of EMI commences from the month following themonth in which you take full disbursement. EMI is payable every month, by theend of that month.

In respect of the period prior to commencement of EMI, you pay interest on theamount of the loan disbursed. This interest is called Pre-EMI interest. Pre-EMIinterest is payable every month, by the end of the month, from the date of eachdisbursement upto the date of commencement of EMI. Pre-EMI is calculated at thesame rate at which EMI is calculated.

Payments for fees, charges, and pre-EMI interest should be remitted to HDFC fromabroad through normal banking channels or from the Non-Resident (External)Account/Non-Resident (Ordinary) Account/NRSR Account in India.

EMI payments are to be made through post dated cheques or standinginstructions from your Non-Resident (External) Account/Non-Resident (Ordinary)Account/NRSR Account in India.

Cash payments will not be accepted.

Do I have flexibility in repayment terms?HDFC offers you various flexible repayment options like Step UpRepayment Facility (SURF), Flexible Loan Instalment Plan (FLIP), BalloonPayment Plan and Structured Repayment Plan. These flexible repaymentoptions give you the freedom to structure the repayment schedule to suityour individual needs.

What security will I have to provide?

Security for the loan is a first mortgage of the property to be financed, normally byway of deposit of title deeds and/or such other collateral security as may benecessary. Interim security may be required, if the property is under construction.Collateral or interim security could be assignment to HDFC of life insurancepolicies, the surrender value of which is at least equal to the loan amount,guarantees from sound and solvent guarantors, pledge of shares and such otherinvestments that are acceptable to HDFC.Please do ensure that the title to the property is clear, marketable and free fromencumbrance. To elaborate, there should not be any existing mortgage, loan orlitigation which is likely to affect the title to the property adversely.

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INSTRUCTIONS (PLEASE READ CAREFULLY)

Please take photocopies of all documents that are submitted to HDFC (in

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Regd. Office: Ramon House, H T Parekh

Mumbai 400 020. Ph.:(91)(022) 66316000

INDIVIDUAL LOAN APPLICATION FORM FOR NON-RESIDENT INDIANS /PERSONS OF INDIAN ORIGIN

PERSONAL INFORMATION OF APPLICANT(S)

Wit

Applicant Co

Surname First Name Middle Name Surname First

NAME

FATHERS/HUSBANDS NAME$

$ CURRENT RESIDENTIAL P.O. Box: P.O. Box:ADDRESS

City: Country: City:

PHONE NO. WITH ISD CODE

Mobile:

Mobile:

CURRENT RESIDENCE IS $ Self owned $ Family $ Rented $ Company Leased/Provided by Employer$

$ Permanent Address in India:

PHONE NO. WITH STD CODE

Mobile:

E-MAIL ID

DATE OF BIRTH/SEX

Age

Yrs.

% $ M $ F AgSTATUS/MARITAL STATUS $Non-Resident $PIOs

% $ Single $Married $Other $Non-Resident $ PIOs%NO. OF DEPENDANTS _____Children _____ Others _____Children

OCCUPATION & DESIGNATION $ Employed $ Self employed

% $ Employed $ Self employeQUALIFICATIONS

MONTHLY INCOME Rs. Rs.

OTHER INCOME Rs. Source: Rs. Source

$

$ EMPLOYER/BUSINESS NAME

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SAVINGS, INVESTMENTS, ETC.

Particulars Applicant (Rs.) Co-applicant (Rs.)

Savings in Bank

NR(E) ____________ ____________

NR(O) ____________ ____________

NRSR ____________ ____________

Immovable Property

(specify) ____________ ____________

Other Assets (specify)

1._______________________ _______________________

2._______________________ _______________________

3._______________________ _______________________

LOANS TAKEN/PROPOSED

Important: Non disclosure / false declaration can lead to caapplication.

Source/Purpose Outstanding Monthly Insof Loan Amount (Rs.) Payable (

Applicant :Employer ____________ _________

Bank ____________ _________

Others ____________ _________

Co-applicant :

Employer ____________ _________

Bank ____________ _________

Others ____________ _________

FINANCIAL INFORMATION

Address of dwelling unit: Mention dwelling unit

no., street, Nearest land mark city and pin code.If not selected mention intended location:

Area of Land : Sq.m.

%Built-up area :

Cost of land : Rs.

DETAILS OF PROPERTY (TO BE PURHASED/CONSTRUCTED/EXTENDED/IMPROVED) (PLEASE COMPLETE AS AP

Name of Account Holder Name of Bank Branch Name Account No.(s)

1.

2.

3.

BANK ACCOUNT DETAILS (PLEASE MENTION DETAILS OF YOUR SALARY ACCOUNT IN ROW 1 AND OTHER INDIAN & OVERSEA

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OFFICES HDFC has over 180 OfficesBRANCH OFFICES (ININDIA):

AGRA Tel: 0562-2526769.AHMEDABAD (Navrangpura) Tel: 079-55307000.AHMEDABAD (Maninagar) Tel: 079-25450081.AHMEDABAD (Satellite) TeAKOLATel: 0724-2442454.ALWARTel: 0144-2702739.ALLAHABADTel: 0532-2260325.AMBALATel: 0171-2630880.AMRAVATI Tel: 0721-2666009.AMR227771.AURANGABAD (CIDCO) Tel: 0240-2474110.AURANGABAD (Station Road)Tel: 0240-2338052. BANGALORE (Kasturba Road) Tel: 080-41183Tel: 080-41101621. BANGALORE (Basaveswaranagar) Tel: 080-23584222. BAREILLY Tel: 0581-2477496. BHARUCH Tel: 02642-245245. BHILAI Tel: 078

BHOPAL(Kamla Bhawan) Tel: 0755-5229990. BHILWARA Tel: 01482-232902. BHUBANESWARTel: 0674-5532020. BILASPUR Tel: 07752-500707. BULD3989123. CHANDRAPUR Tel: 07172-271563-5. CHENNAI (Anna Salai) Tel: 044-28599300. CHENNAI (Adyar) Tel: 044-24403313. CHENNAI (Anna Nag(Tambaram) Tel: 044-22264122. CHENNAI (Velacherry) Tel: 044-22435571. CHIDAMBARAMTel: 04144-222810. CHIPLUNTel: 02355-250035. COIMBATOTel: 0671-2332061. DEHRADUN Tel: 0135-2742231. DEWAS Tel: 07272-254550. DHULE Tel: 02562-273500. DURGAPUR Tel: 0343-2549778. ERODE228704. GHAZIABAD Tel: 0120-2721446. GHAZIABAD (Vaishali) Tel: 0120-2688148. GOA Tel: 0832-2429222. GULBARGA Tel: 08472-241966. GUNT2666915. GWALIORTel: 0751-4011970. HARDWAR Tel: 01334-265325. HINGOLITel: 02456-224515. HOSUR Tel: 04344-247444. HUBLI Tel: 0836-235634Tel: 040-24540845. HYDERABAD (Kukatpally) Tel: 040-23155944. HYDERABAD (Panjagutta) Tel: 040-23414855. INDORE (M G Road) Tel: 0731-4223305028222. JABALPUR Tel: 0761-5065771. JAIPUR (Ashok Marg) Tel: 0141-5150888. JAIPUR (Mansarovar) Tel: 0141-2781981. JAIPUR (Vaishali Nagar) TJAMMU Tel: 0191-2434419. JAMSHEDPUR Tel: 0657-2424518. JODHPUR Tel: 0291-2644448. KANNUR Tel: 0497-2765850. KANPUR Tel: 0512-395992346684. KOLHAPUR Tel: 0231-2664034. KOLKATA (Middleton Street) Tel: 033-23215060. KOLKATA(Old Court House Street) Tel: 033-22481308 / 27 KOKOLKATA(Garia) Tel: 033-24351082. KOLLAM Tel: 0474-3955000, 2762551. KORBA Tel: 07759-245428. KOTA Tel: 0744-2436981. KOTTAYAM Tel: 04Tel: 0522-2763494. LUCKNOW (Gomti Nagar) Tel: 0522-2303770. LUCKNOW (Kanpur Road) Tel: 0522-2434519. LUCKNOW (Raebareli Road) TeMALAPPURAMTel: 0483-2738873. MANGALORETel: 0824-2445220. MEERUT Tel: 0121-2768172. MOHALI Tel: 0172-2220116. MUMBAI (Churchgate)West) Tel: 022-26733981. MUMBAI (Andheri-Kurla Road) Tel: 022-28304251. MUMBAI (Borivli) Tel: 022-28647152. MUMBAI (Chembur) Tel: 022-25291MUMBAI (Parel) Tel: 022-24707497. MUMBAI (Virar) Tel: 0253-2511654.AMBARNATHTel: 0251-2603168/9. KALYAN Tel: 0251-2201580. DOMBIVLITel: 0Tel: 022-25471568. VASHI (Navi Mumbai) Tel: 022-66165201. KOPARKHAIRANE (Navi Mumbai) Tel: 022-27550615. BELAPUR (Navi Mumbai) Tel: 0266166242. MYSORE Tel: 0821-2433770. NAGERCOIL Tel: 04652-3955000. NAGPUR Tel: 0712-2566000. NASHIK (Sharanpur Link Road) Tel: 0253-5602621953. NASHIK ROAD Tel: 0253-2467994. NELLORE Tel: 0861-2302347. NEW DELHI (Munirka) Tel: 011-41115111. NEW DELHI (Vikas Puri) Tel: 011-2Tel: 011-22463421. NEW DELHI (Kingsway Camp) Tel: 011-32906820. NOIDA Tel: 0120-2512058. PALAKKAD Tel: 0491-2536481. PANCHKULA Tel: 017Tel: 07292-252127. PONDICHERRYTel: 0413-2205421. PUNE (University Road) Tel: 020-25505000. PUNE (Camp) Tel: 020-26351738. PUNE (ChinchwTel: 020-26685258. RAIPUR Tel: 0771-5092585. RAJKOT Tel: 0281-2472337. RANCHI Tel: 0651-2331055. RATLAM Tel: 07412-507375. RENUKOOT TeTel: 0233-2329891. SATARA Tel: 02162-226400. SECUNDERABAD (Tarnaka) Tel: 040-27014041. SILIGURI Tel: 0353-2640716. SIMLATel: 0177-2622211(Adajan) Tel: 0261-2772258. THIRUVANANTHAPURAM Tel: 0471-3955000. THRISSUR Tel: 0487-2442565. TIRUCHIRAPALLI Tel: 0431-2412744. TIRUUDAIPUR Tel: 0294-2561060. UJJAIN Tel: 0734-5010222. VADODARA(J PRoad) Tel: 0265-2356397. VADODARA (Waghodia Road)Tel: 0265-25141642483262. VISAKHAPATNAMTel: 0891-2552876. WASHIM Tel: 07252-231302. YAMUNANAGAR Tel: 01732-320547. YAVATMAL Tel: 07232-239941.

INTERNATIONAL OFFICE / REPRESENTATIVE OFFICES

Dubai: HDFC Ltd. : Contact: Ajay Verma / R. Sreekumar, Office No. 105, 1st Floor, Juma Al-Majid Commercial Building, Opp. Burjuman Center(Extension), Trade Centre Road, P.O. Box : 29022, Dubai, UAE. Tel: +971-4-3961825. Fax: +971 - 4 - 3961890. Email: response@hdfc.aeTimings: Sat to Wed: 8.30 am to 1.00 pm & 2.00 pm to 6.00 pm. Thu: 9.00 am to 1.00pm.

SERVICE ASSOCIATESDubai: RAK Bank: Contact: RAK NRI Team, Mezzanine Floor, Sultan Business Centre (Next to Lamcy Plaza), P.O. Box: 1531, Dubai, UAETel: +971-04-2130000 (24 hours) Email: RAKnri@rakbank.ae Timings: Mon to Wed: 8.00 am to 7.00 pm Thu: 8.00 am to 12 noon Sharjah: Contact:Mr.Chetan Kandhari / Ms.Manjula Khatri, Panama Advertising & Marketing, Office # 8, 2nd floor, Marine House, Above Choithram Supermarket,King Faisal Road, P.O. Box 4735, Sharjah, UAE. Tel: +971-06-5599511 Fax: +971- 06-5599519 Email: panama@eim.ae Timings: Sat to Wed: 9.00am to 6.00 pm Thu: 9.00 am to 1.00 pm Abu Dhabi: Contact: Mrs.Gaganpreet Kaur / Mr. Ramesh Ravindranath, The NMC Group, Level - 01, AlSayegh Centre, Corporate Office, P.O. Box No.: 170, UAE Exchange LLC, Hamdan Street, Abu Dhabi. Tel: +971-2-6105648/40, +971-26105649/40, Fax: +971-2-6322169 Email: gagan.preet@uaeexchange.com / ramesh.ravindranath@uaeexchange.com Timings: Sat to Thu:8.30am to 5.00 pm Kuwait: Contact: Mr.Cajetan Barretto or Mr. Mohammad Amin, CLIC National Industries, P.O.Box 24387, Safat, Kuwait.Tel: +965 - 4738742, 4768164, 4768993, 4748514/ 4715794. Fax: +965 - 4768165/994. Email: hdfc@clicq8.com, cajetan@clicq8.com &smamin@clicq8.com Timings: Sat to Wed: 8.00 am to 4.30 pm. Thu: 8.00 am to 1.00 pm. Oman: Contact: Mr. Kesavan, Middle East InvestmentL.L.C., 1st Floor, Bhawan Business Center Bld., Suhail Bahwan Group Holding Building, Opp. Oman Arab Bank Main Branch, CBD Area, P.O. Box:21, Postal Code 112, Ruwi, Muscat, Sultanate of Oman. Tel: +968 - 24793741 Ext.: 102 / 145. Fax: +968 - 24706087. Email:kesavan@suhailbahwangroup.com Timings: Sat to Thu: 8.00 am to 1.00 pm & 4.00 pm to 7.00 pm Qatar: Contact: Mr. Ravindranathan, InvestecW.L.L, P.O.Box 3002, New Share Kaarba (Al Deewan Street) Above Al Fardan Perfumes - 1st Floor, Near Indian Airlines office, Doha - Qatar.Tel: 0974 - 4325060 / 4365060 Fax: 0974 - 4353560 Email: investec@qatar.net.qa Timings: Sat to Thu: 8.00 am to 12.00 noon & 4.00 pm to 8.00pm Saudi Arabia: THE ALI REZAGROUP Al Khobar: Contact: Mr. Tarun B Nair. Rezayat Trading Co. Ltd., P.O. Box: 90, King Khalid St. 4th Cross,Opp. Al Ghazali (Rado Showroom), Above Al Khatir Studio, Al Khobar 31952. Tel: 966-3- 8974227, 8954739, 8954108 Fax: 966-3- 8974227 Ext:104 Email: hdfc@rezayat.com.sa Timings: 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: 6670, Rear Side of Jamjoom Center, Jeddah 21452. Tel: 966-2-6654901, 6611333. Ext: 230; Mobile: 966-0503869830. Fax: 966-2-6637616. Email: 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 amto 1.00 pm. Riyadh: Contact: Mr. R. Ramanathan, Rezayat Trading Co. Ltd. P.O.Box: 966, First Floor, ABB Building, Opp. Malaz Zoo, Pepsi Cola

Road. Riyadh 11421. Tel: 966-1-4777061. Ext.: 123, 1-4777437 Fax: 966-1-4778919. Email: hdfcryd@rezayat.com.sa Timings: Sat to Wed: 8.00am to 1.00 pm & 4.00 pm to 7.00 pm. Thu: 8.00 am to 1.00 pm.

Under the Foreign Exchange Management Act of 1999,

A) Non-Resident Indians are:

a) Indian citizens who stay abroad for employment or for carrying on business or vocation

outside India or for any other purpose in circumstances indicating an indefinite period

of stay abroad, or

b) Government servants who are posted abroad on duty with the Indian missions and

similar other agencies set up abroad by the Government of India where the officials

draw their salaries out of Government resources, or

c) Government servants deputed abroad on assignments with foreign Governments or

regional/international agencies like the World Bank, International Monetary Fund

(IMF), World Health Organisation (WHO), Economic and Social Commission for Asia

and the Pacific (ESCAP), or

d) Officials of State Governments and public sector undertakings deputed abroad on

temporary assignments or posted to their branches or offices abroad.

B) A person of Indian Origin is a citizen of any country other thanBangladesh or

Pakistan if:

1) He at any time held an Indian Passport or

2) He or either of his parents or any of his grandparents was a citizen of India by virtue

of the Constitution of India or the Citizenship Act 1955 (57of 1955) or

3) The person is a spouse o

or 2.

Guidelines issued by the R

Non-Resident Indians/Person

The Reserve Bank of India has

Indians/Persons of Indian Orig

1) The loan amount should

2) Own contribution, which

can be met from direct r

from the Non-Resident

(Ordinary) account and/o3) Repayment of the loan, c

to be remitted to HDFC

Resident (External) acc

NRSR Account in India.

4) The loan shall be fully

acquired.

LOAN FACILITIES OFFERED BY HDFC TO

NON-RESIDENT INDIANS

( HOUSING LOANS

( HOME IMPROVEMENT LOANS

( HOME EXTENSION LOANS

( LAND LOANS FOR HOUSING

( PROPERTY RELATED SERVICES IDENTIFICATION &SALES PROPERTY VALUATION