*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme of Housing Development Finance Corporation Limited (HDFC) and are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC's Bench Mark Rate ("RPLR") and are variable through out the tenor of the loan. All loans are at the sole discretion of HDFC Ltd. For further details regarding the loan slabs and interest rates above Click Here
Home Loan Key Features
Home Loan EMI Calculator
HDFC home loan EMI calculator will give an approximate figure for the total monthly installment payments. Estimate your EMIs to pay for your housing loan by using our feature rich home loan EMI calculator, now!
These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.
NRI should input net income.
5L 3Cr
1 30
p.a
6 15
₹198341
Home Loan Eligibilty Calculator
Calculate your home loan eligibility with this simple home loan eligibility calculator. It will help you to calculate the amount of housing loan that you are eligible for, based on the home loan tenure and home loan interest.
These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.
NRI should input net income.
15000 10000000
1 30
6 15
0 10000000
Your Loan Eligibility Amount is
₹ 11,86,698
Steps to get your dream home loan
Home Loan Interest Rate
SPECIAL HOME LOAN RATES
Adjustable Rate Home Loans
All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.50%
| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| For All Loans* | Policy Repo Rate + 2.25% to 3.15% = 8.75% to 9.65% |
STANDARD HOME LOAN RATES
Adjustable Rate Home Loans
| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| For All Loans* | Policy Repo Rate + 2.90% to 3.45% = 9.40% to 9.95% |
*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest Rate) of (HDFC Bank and are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC Bank's Repo Rate and are variable through out the tenor of the loan. All loans are at the sole discretion of HDFC Bank. For further details regarding the loan slabs and interest rates above Click Here
Frequently Asked Questions
Here are a few questions that will answer most of the queries that you may have.
When you apply for a home loan, the lender considers –
Your income and loan repaying capacity to determine loan eligibility
Other factors include your age, retirement age, financial position, credit history, credit score
Enhance your borrowing ability by –
- Adding an earning family member as co-applicant.
- Availing a structured repayment plan.
- Ensuring a steady income flow, regular savings and investments.
- Furnishing details of your regular additional income sources.
- Keeping a record of your variable salary components.
- Taking actions to rectify errors (if any) in your credit score.
- Repaying ongoing loans and short terms debts.
Borrowing for your home purchase is an attractive proposition
A home loan is preferable to other loans because of –
- lower interest rates
- added assurance on property documentation
- it helps in maintaining liquidity for interiors work etc.
- tax benefits
Still apprehensive?
- Take insurance to cover the outstanding loan
- Take a joint home loan
Refinancing your Home Loan makes sense when the new lender –
- offers a lower rate of interest
- offers a higher loan amount
- permits switch from fixed to floating/adjustable interest rate
- permits reduction in loan tenure
- permits reduction in EMI
- offers better terms and service
Don’t refinance if –
- costs don’t justify it
- you are nearly through with your loan repayment
Whether you are salaried or self-employed, you can get a home loan.
Terms for both kinds of applicants are the same.
Only difference usually is in the set of documents to be submitted for home loan.
Earnings and creditworthiness are the key factors to determine loan eligibility.
Home Loan Key Features
Home Loan Eligibilty Calculator
Calculate your home loan eligibility with this simple home loan eligibility calculator. It will help you to calculate the amount of housing loan that you are eligible for, based on the home loan tenure and home loan interest.
These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.
NRI should input net income.
15000 10000000
1 30
p.a
6 15
0 1 Cr
Your Loan Eligibility Amount is
₹ 11,86,698
Home Loan EMI Calculator
HDFC Bank Home Loan EMI calculator will give an approximate figure for the total monthly installment payments. Estimate your EMIs to pay for your housing loan by using our feature rich home loan EMI calculator, now!
These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.
NRI should input net income.
5L 3Cr
1 30
p.a
6 15
₹198341
Steps to get your dream home loan
Home Loan Interest Rate
SPECIAL HOME LOAN RATES
Adjustable Rate Home Loans
All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.50%
| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| For All Loans* | Policy Repo Rate + 2.25% to 3.15% = 8.75% to 9.65% |
STANDARD HOME LOAN RATES
Adjustable Rate Home Loans
| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| For All Loans* | Policy Repo Rate + 2.90% to 3.45% = 9.40% to 9.95% |
*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest Rate) of (HDFC Bank and are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC Bank's Repo Rate and are variable through out the tenor of the loan. All loans are at the sole discretion of HDFC Bank. For further details regarding the loan slabs and interest rates above Click Here
*The above Home Loan interest rates/ EMI are applicable for loans under the Adjustable Rate Home Loan Scheme of Housing Development Finance Corporation Limited (HDFC Bank) and are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC Bank's Bench Mark Rate ("RPLR") and are variable through out the tenor of the loan. All loans are at the sole discretion of HDFC Bank. For further details regarding the loan slabs and interest rates above Click Here
Frequently Asked Questions
Here are a few questions that will answer most of the queries that you may have.
When you apply for a home loan, the lender considers –
Your income and loan repaying capacity to determine loan eligibility
Other factors include your age, retirement age, financial position, credit history, credit score
Enhance your borrowing ability by –
- Adding an earning family member as co-applicant.
- Availing a structured repayment plan.
- Ensuring a steady income flow, regular savings and investments.
- Furnishing details of your regular additional income sources.
- Keeping a record of your variable salary components.
- Taking actions to rectify errors (if any) in your credit score.
- Repaying ongoing loans and short terms debts.
Borrowing for your home purchase is an attractive proposition
A home loan is preferable to other loans because of –
- lower interest rates
- added assurance on property documentation
- it helps in maintaining liquidity for interiors work etc.
- tax benefits
Still apprehensive?
- Take insurance to cover the outstanding loan
- Take a joint home loan
Refinancing your Home Loan makes sense when the new lender –
- offers a lower rate of interest
- offers a higher loan amount
- permits switch from fixed to floating/adjustable interest rate
- permits reduction in loan tenure
- permits reduction in EMI
- offers better terms and service
Don’t refinance if –
- costs don’t justify it
- you are nearly through with your loan repayment
Whether you are salaried or self-employed, you can get a home loan.
Terms for both kinds of applicants are the same.
Only difference usually is in the set of documents to be submitted for home loan.
Earnings and creditworthiness are the key factors to determine loan eligibility.
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