My income will be below the tax threshold, so I dislike seeing TDS deducted. Can I submit a revised declaration or Form 12BB to my employer instead of using Form 13 to expedite my ITR refund?

Considering the strict age, income, and documentation requirements, wouldn’t it be more practical to first confirm the minimum credit score and the exact debt-to-income ratio that HDFC evaluates before submitting all the documents and paying the processing fee?

I need a home loan, and I selected HDFC for that, so tell me what are the key eligibility criteria and documentation required for applying for an HDFC home loan?