HDFC Bank Home Loan | Details
| Interest Rate | 6.90 % P.A. |
| Loan Amount | Loan Amount Based on income |
| Processing Fees | Up to 0.5% of Loan amt + GST/- |
| Penal Interest Rate | 24% P.A. or 2% per month |
| Foreclosure Charges | 0 – 2% |
| Rate Package | Floating/ Fixed |
| Max Tenure | 30 Years |
Note: The figures given in the table are indicative and are subject to change as per the loan scheme at HDFC Bank’s or RBI’s discretion without prior information
HDFC Bank Home Loan | Eligibility Criteria
| Age | 18 years to 65 years |
| Nationality | Resident Indians and NRIs |
| Employment Type | Salaried and Self-Employed |
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Finance Book: Borrowings, Loans and Investments by Companies – Law, Accounting and Taxation (Latest Edition) by Insolvency Professional CA. Kamal Garg (Author)
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HDFC Bank Home Loan | Schemes and Offers
- HDFC Home Loan – For Resident Indians
- HDFC Reach Loans – For Indians Earning At least Rs. 10,000 Per Month
- HDFC Plot Loans – For Buying a New Plot
- HDFC Rural Housing Loans – For Indians Living in Rural Areas
- HDFC Home Improvement Loans – For Covering Home Renovation Costs
- HDFC Home Extension Loans – For Adding Space in Your Home
- HDFC Top Up Loans – For HDFC Home Loan Borrowers
- HDFC Home Loan Balance Transfer – For All Home Loan Borrowers
- HDFC Home Loan for NRI/PIO – For NRIs and PIOs
- HDFC Home Loans under Pradhan Mantri Awas Yojana
HDFC Bank Home Loan | Interest Rates in 2020
| HDFC Home Loan Schemes | Interest Rate For Women | Interest Rate for Others |
| HDFC Home Loan | 6.90% – 7.95% | 7.00% – 8.00% |
| HDFC Reach Loan | 8.75% – 14.00% | 8.75% – 14.00% |
| HDFC Plot Loan | 7.05% – 8.05% | 7.10% – 8.10% |
| HDFC Rural Housing Loan | 6.90% – 8.70% | 7.00% – 8.70% |
| HDFC Home Improvement Loan | 6.90% – 7.95% | 7.00% – 8.00% |
| HDFC Home Extension Loan | 6.90% – 7.95% | 7.00% – 8.00% |
| HDFC Top Up Loan | As per home loan slabs | As per home loan slabs |
| HDFC Home Loan Balance Transfer | 6.90% onwards | 6.90% onwards |
HDFC Bank Home Loan | EMI Calculator
| Amount | 15 years | 20 years | 30 years |
| Rs. 30 lakh | Rs. 39,155 | Rs. 33,832 | Rs. 29,770 |
| Rs. 60 lakh | Rs. 57,860 | Rs. 50,748 | Rs. 44,655 |
| Rs. 90 lakh | Rs. 77,147 | Rs. 67,664 | Rs. 59,540 |
| Rs. 1 crore | Rs. 96,433 | Rs. 84,580 | Rs. 74,425 |
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HDFC Bank Home Loan | Documents Required
For Salaried Individuals:
- Application form with photograph duly signed
- Identity, residence and age proof
- Last 6 months bank statements
- Last 3 months Salary-slips
- Processing fee cheque
- Form 16 / Income Tax Returns
For Self Employed Professionals / Self Employed Non-Professionals:
- Application form with photograph duly signed
- Identity, residence and age proof
- Last 6 months bank statements
- Processing fee cheque
- Form 16 / Income Tax Returns
- Proof of business existence
- Education qualification certificate and proof of business existence
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account
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