Hinduja Housing Finance
Hinduja Housing Finance
Incorporated in April 2015, Hinduja Housing Finance Limited is a subsidiary of Hinduja Leyland Finance, a popular NBFC in vehicle finance. Chosen by many as their one-stop destination for home finance needs, Hinduja Housing Finance offers easy home loans starting at an interest rate of 10.50% per annum at a processing fee of Rs. 4,600. The maximum loan repayment period granted for Hinduja Home Loans is up to 25 years.
Hinduja Housing Finance
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Works for Salaried & Self-Employed
Salaried or self-employed, we'll find the right loan for you.
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We serve customers in every corner of India, across tier 1, 2, and 3 cities.
Dedicated Relationship Manager
Get guidance from a dedicated expert, not a call centre.
Hinduja Housing Finance EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Hinduja Housing Finance Key Highlights
Loan Amount Up to Rs. 1 crore
Rate of Interest 10.50% p.a. onwards
Processing Fee Rs. 4,600 inclusive of the service tax
Maximum Tenure for Repayment 25 years
Rate Packages Fixed/ Floater
Charges for Prepayment/Foreclosure 2% of principal prepaid + taxes
Hinduja Housing Finance Interest Rates in 2026
Hinduja Housing Finance offers hassle-free housing loan schemes to salaried as well as self-employed applicants, who desire to own a home or construct, renovate, or extend one. The lowest Hinduja Housing Finance rate of interest is 10.50% per annum. The table given below will give you a clear idea about the Hinduja Housing Finance interest rate 2026:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Hinduja New Property Home Loan | 10.50% per annum onwards |
| Hinduja Self-Construction Home Loan | 10.50% per annum onwards |
| Hinduja Resale Home Loan | 10.50% per annum onwards |
| Hinduja Home Extension Loan | 10.50% per annum onwards |
| Hinduja Composite Home Loan | 10.50% per annum onwards |
| Hinduja Home Improvement Loan | 10.50% per annum onwards |
| Hinduja Balance Transfer Loan | 10.50% per annum onwards |
Hinduja Housing Finance Eligibility Criteria
All financial lenders, whether banks or NBFCs have set up their home loan eligibility criteria to check the creditworthiness of an applicant. Hinduja Housing Finance is no exception in this case and asks for certain eligibility parameters that are not that tough to meet by prospective home loan borrowers.
The table below will give you a clear idea about the Hinduja housing finance eligibility criteria:
For Salaried Individuals
Age Range (in years)
21 - 65
Nationality
Indian Residents / NRIs
Minimum Income Earned
Rs. 10,000 per month
For Self-Employed Individuals
Age Range (in years)
21 - 65
Nationality
Indian Residents / NRIs
Minimum Income Earned
Rs. 1.2 lakhs per annum
Hinduja Housing Finance Processing Fee and Charges
Just like other banks and finance companies, Hinduja Housing Finance charges to cover administrative expenses, property valuation, and legal documentation. The processing fee for Hinduja NBFC is Rs. 4,600 including the service tax.
The given table will update you with the Hinduja housing finance processing fees and charges for 2024:
| Processing Fee | Rs. 4,600 inclusive of the service tax |
| EMI Payment Fee on account of non-submission of PDC/ECS per transaction/ACH | Rs. 300 + taxes |
| Cheque/ECS Return | Rs. 250 + taxes |
| Overdue Charges | 3% per month on overdue payment |
| Statement of Account | Nil for once every year and Rs. 750 + taxes for every additional statement |
| Part or Full Prepayment | 2% of principal prepaid + taxes |
Hinduja Housing Finance Schemes And Top Plans
Hinduja Housing Finance offers a diverse range of financing options to purchase, construct, renovate, improve, or extend a home. These schemes are designed to cater to the varying needs and financial capabilities of borrowers. Have a look at the popular Hinduja housing loan schemes mentioned below:
- Ideal home loan for buying a residential property
- Minimal documentation
- Lower interest rates
- Easy monthly repayment options
- Ideal home loan for construction on a freehold or leasehold plot allotted by a development authority
- Available only if the customer already owns a plot
- Loan amount up to 80% of the property value
- Available for the purchase of an existing co-operative housing society, private build-up home, apartment or a home under development authority settlements
- Lower interest rates
- No hidden charges with customized repayment options
- Perfect housing loan scheme for modifying a home with an additional room, balcony, floor, flooring, or tiling
- Available only to existing home loan customers
- Perfect housing loan to invest in a plot of land for the construction of a house
- No hidden charges with customized repayment options
- Lower interest rates
- The most suitable housing loan for renovation, repairs, and upgradation of an existing home
- Available only for a residential unit that has already been purchased
- Simple repayment through monthly instalments
- Easy way to transfer the outstanding home loan amount to another financial lender
- Affordable interest rates and customized repayment options
- No hidden charges
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Hinduja Housing Loan, taking into consideration the earning and repayment capacity of the applicant.
Documents Required For Hinduja Housing Finance
When applying for a housing loan, prospective borrowers are typically required to submit a range of KYC documents to Hinduja Housing Finance Ltd. For your reference, we are now listing down the Hinduja Housing Finance documents required to apply for a Hinduja home loan.
| Proof of Income |
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| Other Required Documents |
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| 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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How to Apply for Hinduja Housing Finance?
Your search for an easy home loan can end at Hinduja Housing Finance which offers hassle-free home loans to people dreaming of buying a home. If you are eligible, then you can proceed with the Hinduja Housing Finance apply procedure easily anytime and fro
Find Hinduja Housing Finance Home Loan Offices Near You
Thinking of visiting the nearest branch of Hinduja Housing Finance to apply for a home loan? No need to take this trouble, as you can easily fill out the Free Consultation form, and get a quick response from the BASIC Home Loan team, who will help you with a home loan application with Hinduja Housing Finance.
Disclaimer:
Interest rates and fees on home loans vary based on eligibility and lender criteria. All applicable fees and charges are subject to relevant taxes and can change at the lender’s discretion. For the most current information on home loan interest rates, processing fees, other applicable charges, and updates on eligibility criteria and loan offers, please visit the official website of the bank.
Visit the official website of BASIC Home Loan and click on the ‘APPLY NOW’ section.
Enter the required details in the form and then click ‘Submit’.
Once submitted, the BASIC Home Loan team will contact you for assistance in the Hinduja Home Loan application procedure.
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