Housing Development Finance Corporation Home Loan


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

    8.5% - 9.4%

  • Loan Amount

    ₹1L - ₹1Cr

  • EMI Per Lakh

    ₹2,052 - ₹2,095

  • 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 & 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 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.

HDFC Ltd Home Loan Customer Care Number

You can give a missed call to +91-9289200017 or SMS HDFCHOME to 56767.


From refinancing to reducing your interest, we have the answers right here.

Is a Home Loan A Tax Saving Deduction?

Yes you can get deductions up to Rs. 1.5 lakh under Section 80C and up to Rs. 2 lakh under Section 24.

What is The Minimum Salary For A Home Loan?

The minimum salary for a home loan is Rs. 25-30,000.

Can I Take Two Home Loans At A Time?

You can take two home loans simultaneously if you are eligible and you can afford to repay them conveniently every month.

When Does The Loan Repayment Period Start?

The repayment starts on the month after the month when the loan amount is disbursed to the bank.

Does HDFC Ltd Provide Home Loan at the best rate?

The interest rates are highly competitive and start from 6.70% onwards.

What are the KYC documents I will have to submit to apply for a home loan from HDFC Ltd?

There are several KYC documents required including Aadhar Card, PAN Card, Passport, Voter ID Card, Driving License, etc.

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