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Finance is a part of the housing problem. Improving access to housing finance has been one of the primary criteria by which the implications of the current system, various government initiative and other possible changes have been assessed. In India, there are private sector and public sector banks playing numerous roles for the development activities. One of the important role is providing housing loan to the weaker and middle class people to construct their own house. There are government policies and programs to solve the housing problems of the people by housing loan. Most of the housing loan schemes help the people to construct a new house or renovate or to modify the house. There are formalities to get housing loan. Taking a housing loan is a long term financial commitment on the part of the consumer, often covering a period of 15 to 20 years. There are many players in the field often with various service characteristics. One among them is HDFC, till ICICI entered the field. It is in this context the researcher studied the service characteristic of HDFC housing loan.