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HDFC home loans over the years! HDFC Bank has been actively engaged in the efficient management of home loans through thorough evaluation. HDFC Bank home loan has been designed with the aim of social inclusion as for the housing needs of the emerging Indian classes. HDFC home loan easy and hassle free with least paper work for the prospective beneficiary. HDFC home loan interest rate is one of the most competitive in the loan market and various flexibilities are offered as regards the rate structure – floating or fixed.