HDFC Ltd Home Loan Fees and Charges
Processing Fees |
0.5% or Rs.3,000 whichever is higher |
Penal Interest Rate |
Up to 24% p.a. |
Prepayment/Foreclosure Charges |
0% – 2% |
Check dishonor charges |
Rs.300 |
PDC Swap charges |
Rs.500 |
For detailed information on fees and charges such as regulatory/statutory charges, document charges, and specific fees applicable on home loans to salaried, self-employed non-professional, and self-employed professionals, check out Home Loan Processing Fees and Charges.
HDFC Home Loan EMI Calculator
This easy-to-use online calculator lets you calculate your EMI in no time. All you need to do is enter the relevant details related to your loan, including the loan amount, interest rate, loan tenure, and processing fee. Hit the button “calculate” to check your EMI amount. This will be followed by an amortisation table giving you a comprehensive breakdown of your payment schedule.
HDFC Ltd Home Loan Interest Calculation
Amount |
10 years |
20 years |
30 years |
Rs.10 Lakh |
Rs.11,637 |
Rs.7,783 |
Rs.6,687 |
Rs.20 Lakh |
Rs.23,273 |
Rs.15,566 |
Rs.13,373 |
Rs.40 Lakh |
Rs.46,547 |
Rs.31,132 |
Rs.26,747 |
Rs.50 Lakh |
Rs.58,183 |
Rs.38,915 |
Rs.33,433 |
Note: Interest rate considered as 7.05% p.a.
It’s always advised to calculate your EMI (equated monthly instalment) beforehand so that you can manage your finances properly after you take a loan. In order to do so,
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HDFC Ltd. Home Loan Eligibility Criteria
The eligibility of a customer for the HDFC Ltd. Home Loan is primarily ascertained on the basis of their income and loan repayment capacity. HDFC Ltd. takes a number of other factors under consideration as well such as the ages of the applicant, credit score, credit history, etc. The basic eligibility criteria can be summed up as follows:
Particulars |
Salaried Individuals |
Self-Employed Individuals |
Age |
21 years to 65 years |
21 years to 65 years |
Minimum Income |
Rs.10,000 p.m. |
Rs.2 lakh p.a. |
Nationality |
Resident Indian |
Resident Indian |
HDFC Ltd. Home Loan Schemes
HDFC Ltd. offers a plethora of home loan plans for salaried and self-employed individuals. Given below are the list of all the schemes which can be availed by the customers
- HDFC Home Loan
- For purchasing flat, bungalow, row house, or properties from Development Authorities
- Interest concession for women applicants
- Loans for resident Indians only
- Financing of up to 90% of the total property cost
- HDFC Plot Loan
- Loans for purchase of a plot through direct allotment No hidden charges
- Customised repayment options
- Expert legal and technical counselling
- Loans also available for purchasing a resale plot
- HDFC Rural Housing Loan
- Attractive rates starting at 7.05% p.a.
- Tailored for agriculturists, planters, horticulturists, dairy Farmers for purchasing a residential property in rural and urban areas
- Agriculturists applying for loan are not required to provide IT Returns
- Longer repayment tenure of up to 20 years for agriculturists
- HDFC Reach Home Loan
- Loans for purchasing a new or existing home
- Loans for salaried individuals with a minimum monthly income of Rs.10,000 and for self-employed individuals with an income of Rs.2 lakh p.a.
- Loan can be used to purchase a plot
- Use this loan to construct your home on a free-hold land or on a plot
- HDFC Home Improvement Loan
- Loan specifically meant for renovating your home
- Loans available for both new and existing customers
- Simple and hassle-free documentation process
- Interest rates similar to normal home loan rates
- HDFC Home Extension Loan
- Loans to add or extend space to your home
- Maximum tenure of 20 years
- Interest rate concession for women applicants
- HDFC Top Up Loans
- Loans for both professional and personal needs
- Maximum loan of R.50 lakh
- You can apply only after 12 months of the final disbursement of your existing home loan and upon possession or completion of the existing financed property
- HDFC Balane Transfer Loans
- Transfer your existing loan to HDFC conveniently
- Additional top up loan of up to Rs.50 lakh
- Special arrangement with AGIF for Home Loans for those employed in the Indian Army
- Customised repayment options
- HDFC NRI Home Loans
- Home loans designed for NRIs for purchase of a flat, row house, bungalow from private developers in approved projects in India
- Loans available for purchase of a property located anywhere in India
- Get home loan advisory services in the country you currently reside
- Loans for purchasing properties from Development Authorities of India
- HDFC PMAY
- Interest subsidy of up to 6.50% p.a.
- Save up to Rs.2.67 lakh under PMAY CLSS
- Affordable housing for Economical Weaker Section (EWS), Lower Income Group (LIG), and Middle Income Group (MIG)
- Interest subsidy will be available for a maximum loan tenure of 20 years
Disclaimer
- *All loans at the sole discretion of HDFC Ltd.
- The differential rates of interest are made available based on the different risk assessments. Select rates of interest are made available as per the credit risk profile at certain price points, details of which may be obtained from the nearest branch of HDFC.
- The rates of interest are applicable to Home Loans, including Home Improvement, Home Extension, Plot and Plot plus Construction loan.
- The above interest rates / EMI are applicable for loans under the Adjustable Rate Home Loan Scheme of HDFC Ltd. and subject to change at the time of disbursement. The Home Loan interest rates above are variable in nature and subject to change as per the movement in HDFC’s Benchmark Rate.
- HDFC, Ltd. reserves the right to withdraw the offer on interest rates at any point in time without any further intimation or notice, and no claims shall be entertained by HDFC, Ltd. in this regard.