HDFC Bank Home Loan
HDFC Bank Home Loan
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 Basis customer profile / up to 90% of the cost of property
Rate of Interest Starts at 7.40% p.a. onwards
RPLR: 18.3%
Processing Fee Up to 0.50% or INR 3000 whichever is higher.
Maximum Tenure for Repayment 30 years
Penal Rate of Interest Up to 24% per annum
Rate Packages Fixed/Floating
Charges for Prepayment/Foreclosure 0-2%
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 Slab | Interest Rate for Home Loan |
|---|---|
| Up to Rs. 30 lakh for women | 8.95% p.a. to 9.45% p.a. |
| Up to Rs. 30 lakh for other individuals | 9.00% p.a. to 9.50% p.a. |
| Loan between Rs. 30.01 lakh and Rs. 75 lakh for women | 9.20% p.a. to 9.70% p.a. |
| Loan between Rs. 30.01 lakh and Rs. 75 lakh for other individuals | 9.25% p.a. to 9.75% p.a. |
| Loan amount of Rs. 75.01 lakh and higher for women | 9.30% p.a. to 9.80% p.a. |
HDFC Bank Home Loan Eligibility Criteria
For Salaried Individuals
Age Range (in years)
21-65
Nationality
Indian Resident
Minimum Income Earned
Rs. 10,000 per month
For Self-Employed Individuals
Age Range (in years)
21-65
Nationality
Indian Resident
Minimum Income Earned
Rs. 200,000 per annum
HDFC Bank Home Loan Processing Fee and Charges
HDFC Bank charges its customers a certain fee to cover the cost of processing their home loan application. This is known as the home loan processing fee. Given below are the HDFC home loan processing fee and home loan charges that the bank levies as part of the home loan approval process:
| 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 |
| Document Retrieval Charges | Rs. 75 per document set (after disbursement) |
| Cost of Photocopies of Title Documents | Up to Rs. 500 |
HDFC Bank 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:
- 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
* 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.
Documents Required for HDFC Bank 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 |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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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:
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
Our Expert Will Reach Out to You
A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
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