HDFC Bank
Home Loan
HDFC Bank offers affordable home loans to eligible borrowers. Minimal Documentation & Quick Approval. Apply Home Loan from HDFC Bank @7.35% interest rate
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Interest Rate7.35% p.a
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Loan AmountUp to ₹10Cr
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Processing15 Days
| Feature | Details | Benefit |
|---|---|---|
| Interest Rate | Starting from 7.2% p.a. | Competitive |
| Processing Fee | 0.50% + GST | Lowest in Market |
| Prepayment Charges | NIL for floating rate | No Penalty |
| Legal & Technical Charges | ₹5,000 - ₹10,000 | High Limit |
- ₹20 Lac
- ₹30 Lac
- ₹40 Lac
- ₹60 Lac
- ₹90 Lac
- ₹1 Crore
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Loan Amount₹20 Lac
-
Interest Rate7.35% p.a.
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Monthly EMI₹15,929
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Loan Amount₹30 Lac
-
Interest Rate7.35% p.a.
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Monthly EMI₹23,893
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Loan Amount₹40 Lac
-
Interest Rate7.35% p.a.
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Monthly EMI₹31,858
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Loan Amount₹60 Lac
-
Interest Rate7.35% p.a.
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Monthly EMI₹47,787
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Loan Amount₹90 Lac
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Interest Rate7.35% p.a.
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Monthly EMI₹71,680
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Loan Amount₹1 Crore
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Interest Rate7.35% p.a.
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Monthly EMI₹79,645
| Scheme | Interest Rate (% p.a.) | Key Features |
|---|---|---|
| Regular Home Loan | 7.20-13.50% | Up to 90% LTV; 30-yr tenure |
| Plot Loan | 7.90% | Plot Loan |
| Rural Housing Loans | 8.40% | Rural Housing Loan |
| Home Renovation Loan | 7.90% | Renovation Loan |
| Home Loan Top Up | 7.20% | Top Up Loan |
| Balance Transfer | 7.20-13.50% | Transfer existing loans |
| Note: Interest rates shown are for applicants with CIBIL score ≥750. Rates may vary based on credit profile and loan amount. Check interest rates for all loan types and CIBIL scores → |
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HDFC Bank Home Loan Approved Profiles
HDFC Bank Approved Real Estate Projects
Home Loan Offers New Schemes
Luxury Stay @ Taj Hotel
| HDFC vs SBI HDFC vs ICICI HDFC vs Axis HDFC vs PNB |
| HDFC Bank vs SBI Bank Home Loan Comparison | |||
|---|---|---|---|
| Features | HDFC Bank | SBI Bank | Winner |
| Interest Rate | 7.20% p.a. | 7.30% p.a. | HDFC |
| Processing Fee | 0.50% + GST | 0.35% + GST | SBI Bank |
| Max Loan Amount | ₹10 Crores | ₹10 Crores | Tie |
| Prepayment Charges | NIL (Floating) | NIL (Floating) | Tie |
| Branch Network | 9,499+ | 16000+ | SBI Bank |
HDFC Bank Advantages over SBI:
|
| HDFC vs ICICI Bank Home Loan Comparison | |||
|---|---|---|---|
| Features | HDFC Bank | ICICI Bank | Winner |
| Interest Rate | 7.20% p.a. | 7.40% p.a. | HDFC |
| Processing Fee | 0.50% + GST | 0.50% + GST | Tie |
| Max Loan Amount | ₹10 Crores | ₹10 Crores | Tie |
| Prepayment Charges | NIL (Floating) | 2% + GST | HDFC |
| Branch Network | 9,499+ | 7,066+ | HDFC |
HDFC Bank Advantages over ICICI:
|
| HDFC Bank vs Axis Bank Home Loan Comparison | |||
|---|---|---|---|
| Features | HDFC Bank | Axis Bank | Winner |
| Interest Rate | 7.20% p.a. | 7.8% p.a. | HDFC |
| Processing Fee | 0.50% + GST | 0.50% + GST | Tie |
| Max Loan Amount | ₹10 Crores | ₹10 Crores | Tie |
| Prepayment Charges | NIL (Floating) | 2% + GST | HDFC Bank |
| Branch Network | 9,499+ | 5,706+ | HDFC Bank |
HDFC Bank Advantages over Axis:
|
| HDFC Bank vs PNB Bank Home Loan Comparison | |||
|---|---|---|---|
| Features | HDFC Bank | PNB Bank | Winner |
| Interest Rate | 7.20% p.a. | 7.4% p.a. | HDFC |
| Processing Fee | 0.50% + GST | 0.50% + GST | Tie |
| Max Loan Amount | ₹10 Crores | ₹10 Crores | Tie |
| Prepayment Charges | NIL (Floating) | 2% + GST | HDFC Bank |
| Branch Network | 9,499+ | 10,189+ | PNB Bank |
HDFC Bank Advantages over PNB:
|
home buying journey smooth and affordable.
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Rate of interest7.35% p.a.Competitive rates
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Tenure5 - 30 yearsFlexible duration
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Processing fee0.50%Minimal charges
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Loan amountRs.10 lakh - Rs.10 croreWide range
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Prepayment ChargesNilNo penalties
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Foreclosure ChargesNilComplete freedom
Owning your dream home has now become simpler with an HDFC bank home loan. This loan is reliable for all – starting from salaried individuals to self-employed as well as NRIs. You can apply& track your application. Here are more details.
HDFC Bank Home Loan Details
Here are the key details:
| Feature |
Details |
| Maximum Loan Amount |
Up to 10 Crore |
| Tenure |
Around 30 years |
| Interest Rate |
7.20% to 13.20% |
| Funding % |
75-90% of property cost |
| Processing Fee |
0.50%-2.00% |
| Eligible Applicants |
Salaried, Self-Employed, NRIs |
| Minimum Income Requirement |
10K per month (salaried); 2 lakh per year (SE) |
| Documents Required |
KYC, Income, Property Documents |
| Disbursement Time |
Fast, after document verification |
HDFC Bank Home Loan Interest Rates
Find out more from the table below:
| Loan Slab |
Interest Rate (%) (Repo + Spread) |
| All Loans |
7.20% to 13.20% |
| Housing IRR/APR |
8.35% to 12.50% (Avg. 8.77%) |
| Non-Housing |
8.40% to 13.30% (Avg. 9.85%) |
Compare HDFC Bank Home Loan Interest Rates with Other Top Banks
Curious about how HDFC compares? Here’s a comparison of leading lenders to keep your options open:
| Bank Name |
Interest Rate Range |
| HDFC Bank Home Loan |
7.20% onwards |
| ICICI Bank Home Loan |
7.40 % onwards |
| SBI Home Loan |
7.30%-8.95% |
HDFC Bank Home Loan Processing Fees and Charges
Every lender charges a processing fee. HDFC Bank Home Loan fees depend on your borrower type and loan scheme:
| Borrower Type |
Processing Fee/Charge |
| Salaried/Self-Employed Prof. |
Up to 0.50% of loan / minimum 3300 |
| Self-Employed Non-Prof. |
Up to 1.50% of loan / minimum 5K |
| NRI Loans |
Up to 1.50% of loan / minimum 4K |
| Value Plus Loans |
Up to 1.50% of loan / minimum 5K |
| Reach Scheme |
Up to 2.00% of loan amount |
HDFC Bank Home Loan EMI Calculator
The HDFC Bank Home Loan EMI Calculator lets you estimate your monthly instalments based on principal as well as tenure (also interest rate). Raise or lower the tenure, and the EMI changes. Try different combinations using the official calculator & see how the interest rates affect your EMI as well as total interest paid over the loan tenure.
Types of HDFC Bank Home Loan
The variety is impressive. HDFC Bank Home Loan schemes fit every stage and need:
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Regular Home Loans: To buy a completed or under-construction property
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Plot Loans: To buy land for future construction
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Renovation Loans: To refurbish or improve your property
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Extension Loans: To add extra rooms or floor space
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Balance Transfer Loans
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Short Term Loans
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Rural Housing Loan and more
HDFC Bank Home Loan Eligibility Criteria
You must meet the HDFC Home Loan eligibility criteria. See the list:
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Age: 21 to 65 years (at loan maturity)
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Profession: Salaried, self-employed professional, non-professional, or NRI
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Minimum Income of 10K per month
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Stable employment or business profile
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Adequate credit score & repayment capacity
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Resident Indian or eligible NRIs
Documents Required for HDFC Bank Home Loan
The right documents speed up your approval. Here’s a checklist:
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PAN Card or Form 60
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ID proof lie PAN or Aadhaar
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Recent passport-size photograph
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Last 3 months’ salary slips / bank statements for salaried applicants)
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Last 2 years’ income tax returns or Form-16 for self employed)
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Latest 12 months’ bank account statements
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Title deeds and chain of property documents
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Proof of own contribution (down payment)
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Receipt of payments made to developer or seller
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Business profile (for self-employed)
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Allotment letter or buyer agreement
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Agreement to sell, if executed
How to Apply for HDFC Bank Home Loan
Follow these steps:
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Go to the HDFC Bank Home Loan application page
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Register/sign up as a user
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Fill in the home loan form: choose loan type, fill in personal, income and property details
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Upload documents scanned/self-attested
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Pay the processing fee online
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Wait for verification and approval from HDFC team
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Get a sanction letter and proceed to disbursement after submitting property documents to the bank
HDFC Bank Home Loan Application Status
You can check the status online using your reference number on the HDFC portal. Email or SMS notifications will guide you step by step.
HDFC Bank Home Loan Customer Care & Postal Address
Reach HDFC Bank’s dedicated Home Loan Customer Care team by phone, email or live chat. You can visit branches in most major cities for in-person support. Details are on the official site and the sanction letter lets you know whom to contact.
- HDFC Bank Home Loan Interest Rate
- HDFC Bank Home Loan Eligibility Calculator
- HDFC Bank Home Loan Documents Required
- HDFC Bank Home Loan EMI Calculator
- HDFC Bank Home Loan Statement
- HDFC Bank Home Loan Prepayment Calculator
- HDFC Bank Home Loan Processing Fees
- HDFC Bank Home Loan Process
- HDFC Bank Balance Transfer
- HDFC Bank PMAY BANK
- HDFC Bank Approved Projects
- HDFC Bank NRI Home Loan
- HDFC Bank Home Loan Against Property
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Disclaimer
The information available on this site has been gathered from publicly available sources and is accurate to the best of our knowledge. However, please be aware that the rates and other offers may vary based on your profile and may be subject to change without notice. Therefore, we advise you to verify the information before applying for any loan through this website. Magicbricks accepts no liability for any loss arising from the use of the information on this website. Refer T&C for the detail.
(T&C link: https://property.magicbricks.com/terms/terms.html)
*These calculators are only for illustrative purposes. These figures may or may not be applicable to your particular situation. Magicbricks will not be responsible for any loss or liability arising from the use of these calculators.