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Housing Development Finance Corporation Home Loan

Housing Development Finance Corporation Home Loan

4.5

HDFC (Housing Development Finance Corporation) Home Loan is available at low-interest rates with a maximum tenure of 30 years. To apply for a Home Loan from HDFC, customers can initiate an online application and submit their documents online. You can check your loan eligibility online by submitting an online quotation request. The institution offers options for customised home loans to meet your specific requirements.

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Housing Development Finance Corporation Home Loan

Interest Rate

6.7% - 7.85%

Loan Amount

₹5L - ₹1Cr

EMI Per Lakh

₹1,966 - ₹2,020

Processing Fees

Up to Rs 4,999

Pre-Payment Charges

Pre-closure Charges Allowed if borrower has paid at least 12 EMIs.

For salaried:

4% of principal outstanding (13-24 months)
3% of principal outstanding (25-36 months)
2% of principal outstanding (After 36 months)Part-payment Fees Allowed if borrower has paid at least 12 EMIs.

... more

Features and Benefits
Eligibility Criteria
Fees & Charges
Documents Required
EMI Calculator
FAQs
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Features & Benefits of HDFC Ltd Home Loans

Home loans for purchasing various types of properties.
Professional technical and legal counseling.
Integrated network of branches.
PMAY interest subsidies.
Completely digital procedure.
Seamless documentation.
Customized options for repayment.
Digital home loan management.
24-7 support.

HDFC Ltd Home Loan Overview

You can smoothly apply for HDFC Ltd home loan without any hassles. There are competitive HDFC Ltd home loan interest rates for customers as well. The best part is that there is a highly convenient HDFC Ltd home loan online application procedure that you can follow. Home loans are offered by HDFC Ltd to customers with tenures going up to 30 years and sanctions in only 5 days. Affordable housing loans are especially created for both self-employed and salaried borrowers.

HDFC Ltd Home Loan Eligibility Criteria

Here are the HDFC Ltd home loan requirements:

21-65 years of age.
Self employed or salaried borrowers.
Resident of India.
You can add co-applicants. Women co-applicants may also get better rates of interest.

HDFC Ltd Home Loan Fees & Charges

The processing fees are 0.50% of the loan amount or Rs. 3,000, whichever is higher along with applicable taxes. The minimum retention amount is 50% of the application fees or Rs. 3,000 and applicable taxes, whichever is more.
Charges for delayed payments are up to 24% per annum.

Here are some of the additional charges that are payable in specific circumstances:

Charge	Amount
Check Dishonor	Rs. 300
Document List	Up to Rs. 500
Document Photo Copies	Up to Rs. 500
PDC Swap	Up to Rs. 500
Disbursement Cheque Cancellation Charge After Disbursal	Up to Rs. 500
Re-Appraisal Of Loan After 6 Months From Sanction	Up to Rs. 2,000 + taxes

Documents Required for HDFC Ltd Home Loan

ID and Address Proof	Property Documents
Income Proof

How the EMI Calculation works for HDFC Ltd Home Loan?

You can use the online EMI calculator by entering the tenure, home loan amount and rate of interest. This will give you the amount payable every month.

Balance Transfer HDFC Ltd Home Loan

Balance transfer loans are provided at competitive interest rates to customers. You can transfer from any other financial institution and get top-up loans up to Rs. 50 lakh. There are competitive rates of interest along with customized options for repayment tailored to your requirements.