HDFC Bank Home Loan
HDFC Bank Home Loan
The competitive interest rates and flexible repayment options make HDFC a forerunner in the Home Loans segment. A prospective borrower can avail an HDFC home loan online, too, at attractive rates of interest starting from 8.25% per annum for a loan amounting to Rs. 10 crores. The loan tenure is up to 30 years, and the bank offers its customers simple repayment options by way of EMI starting at Rs. 762 per lakh. HDFC home loan comes with a processing fee of up to Rs. 3,000 (exclusive of taxes) for salaried and self-employed professionals and up to Rs. 4,500 (tax exclusive) for self-employed non-professionals. HDFC also provides a Rural Housing Loan plan for people working in plantations, agriculture, horticulture, dairy farming, and the like who aspire to buy/rebuild homes in villages or their native towns.
HDFC Bank Home Loan
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HDFC Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
HDFC Bank Home Loan Key Highlights
Loan Amount up to 10 Cr
Processing fee upto 0.50% (or any condition)
Prepayment charges Nil (or floating loan rates)
Tenure up to 30 Years
Interest Rates starting from 8.25% (subject to eligibility)
EMI Starting ₹762 per lakh (approximate)
HDFC Bank Home Loan Interest Rates in 2026
HDFC offers home loans to its customers at an interest rate of 7.40% p.a. onwards. The HDFC bank home loan interest rate is likely to vary for different loan slabs offered by the bank. The table below enlists the various home loan slabs by HDFC Bank and their respective rates of interest:
| Loan Amount | Interest Rate(women) | Interest Rate(Individual) |
|---|---|---|
| Up to ₹30 lakhs | 8.50% - 9.00% p.a. | 8.55% - 9.05% p.a. |
| ₹30 lakhs to ₹75 lakhs | 8.60% - 9.10% p.a. | 8.65% - 9.15% p.a. |
| Above ₹75 lakhs | 8.75% - 9.25% p.a. | 8.80% - 9.30% p.a. |
HDFC Bank Home Loan Eligibility Criteria
For Salaried Individuals
Age
21-65 years
Minimum Income
₹25,000/month
Employment
2+ years work experience
Credit Score
750+
Self-employed LLP and Partnership Firm
Age
21-65 years
Minimum Income
₹25,000/month
Employment
2+ years work experience
Credit Score
750+
* HDFC Home Loan Processing Fee and Charges
| Processing Fee | 0.5% or Rs. 3,000 (whichever is higher) |
| ECS Dishonour Charges | Rs. 300 |
| Provision of Documentation List | Up to Rs. 500 |
| Late EMI Payment Charges | Rs. 300 + GST @18% (subject to revision) |
| Statutory Charges | As per state-applicable laws |
| Cheque Bounce Charges | Rs. 500 due to fund insufficiency Rs. 350 due to funds transfer cheque return Rs. 50 per instance for cheque return due to technical reasons |
| Document Retrieval Charges | Rs. 75 per document set (after disbursement) |
| Cost of Photocopies of Title Documents | Up to Rs. 500 |
HDFC Home Loan Schemes and Top Plans
HDFC customers looking for home loans can choose from a variety of options offered by the bank from time to time. Listed below are the top 5 home loan schemes and plans that are currently popular among HDFC customers:
* Note: All of the above home loan plans are made available to applicants solely at the discretion of HDFC Bank, taking into consideration the earning and repayment capacity of the applicant.
- Loan facility open for Indian residents only
- Offered to individuals keen on buying residential properties from Development Authorities, such as flats, row houses, or bungalows
- The loan amount offered up to 90% of the total cost of the property
- Special interest rebates available for women
- Devised explicitly for Non-Resident Indians interested in buying residential properties from private developers and Development Authorities of India
- The loan can be availed for buying a flat, row house, or bungalow in any part of India
- NRIs can avail of advisory services for getting a home loan in the country they currently stay in
- Designed for buying a plot via direct allotment
- Loan available for buying a resale plot also
- Flexible options for loan repayment
- Counselling from experts available on technical/legal matters
- No hidden charges
- Applicants can conveniently transfer their existing loan amount from other banks to HDFC
- Flexible loan repayment options are available
- Top-up loan of up to Rs. 50 lakh offered
- Special tie-up with AGIF for Home Loans for employees of the Indian Army
- Offered to both new and existing customers of the bank
- Designed for home renovations and upgrades
- Rate of interest similar to that of a standard HDFC home loan
- Easy and seamless documentation for home loan application
- Up to Rs. 50 lakh maximum loan amount offered
- Applicants can avail of loan facilities both for personal and professional requirements
- Application for a loan can be made only after 1 year of the final settlement of the existing home loan and after taking possession of the existing property against which the loan has been taken
- The loan amount is offered for up to a maximum duration of 20 years
- Home loan plan specifically designed for adding space or making extensions to your existing home space
- Special rebated interest rates available for women applicants
- Designed especially for planters, dairy farmers, horticulturists, and agriculturists aspiring to buy a residential property in villages or their native urban towns
- Agriculturists are allowed a longer tenure for loan repayment (up to 20 years)
- Agriculturist applicants are also exempted from IT Return filing
Documents Required for HDFC Home Loan
HDFC mandates all home loan applicants to submit a set of specific documents as part of the loan application procedure. A list of all the required HDFC home loan documents that need to be duly submitted to the bank to apply for a loan facility is detailed as follows:
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income | Voter ID, Driving License, Aadhar Card, Copy of Passport |
| Other Required Documents |
|
Apply Home Loan Through BASIC Home Loan
Applying for a home loan from HDFC is as easy as 1-2-3. Given below is a simple method to apply for an HDFC home loan:
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