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  1. Housing Development Finance Corporation (HDFC) is the leading housing financial institution in the private sector in Cochin. About 80 percent of housing loans sanctioned by HDFC goes to individuals and 20 percent to employers for financing schemes for housing their employees. Loans are provided upon proof of household income, provision of collateral security or personal guarantees and pre-determined repayment conditions. To develop your real estate in Cochin, you can certainly avail a home loan from the HDFC. HDFC always operates according to commercial criteria since it has raised its fund