Interest Rates

Standard Rates 

Loan Slab Interest Rates (% p.a.)
Self Occupied Residential Property 8.95 - 9.95
Non - Self Occupied Residential Property 9.25 - 10.25


Retail Prime Lending Rate(Non Housing): 12.20%

Loan Slab Interest Rates (% p.a.)
Commercial Property 9.25 - 10.25

 

*HDFC BANK does not source any Home Loan business from any Lending Service Providers (LSPs).

Calculators

Documents

Following are the documents you would need to submit for all applicants / co-applicants along with the completed and signed Application Form for loan approval.

Fees & Charges

Loan Against Property Benefits

Customised Repayment Options

Tailor-made loans to suit your requirements.

Easy documentation

Apply with minimal documents, save time and effort.

24x7 assistance

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Online loan account

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Key Features

Loan Against Property Eligibility

Important Factor Criteria
Age 21-65 years
Profession Salaried / Self Employed
Nationality Resident Indian
Tenure Up to 15 years

Classification of Self Employed

Self-Employed Professional Self Employed Non-Professional (senp)
Doctor, Lawyer, Chartered Accountant, Architect, Consultant, Engineer, Company Secretary etc. Trader, Commission Agent, Contractor etc.

How does adding a co-applicant benefit? *

  • Higher loan eligibility with an earning co-applicant.
  • Lower interest rate on adding a female co-owner as co-applicant.

*All co-applicants need not be co-owners. But all co-owners need to be co-applicants to the loans. Generally, co-applicants are close family members.

 

Maximum Funding

Existing HDFC Customers New Customers

The principal outstanding on all existing loans and the Loan Against Property being availed should not cumulatively exceed 60% of the Market Value of the mortgaged property as assessed by HDFC Bank.

Loan Against Property being availed should not, generally, exceed 50% of the Market Value of the property, as assessed by HDFC Bank.

Testimonials

Frequently Asked Questions

Terms & Conditions

Security

Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank.

Other Conditions

All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC’s products and services. For detailed information about HDFC Bank’s products and services kindly visit the nearest HDFC Bank branch.

Click here for the Most Important Terms and Conditions pertaining to your loan.

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LOAN TENURE

15 Years

Interest Rate

8.50% p.a.

MOST POPULAR

LOAN TENURE

20 Years

INTEREST RATE

8.50% p.a.

TAKE IT EASY

LOAN TENURE

30 Years

INTEREST RATE

8.50% p.a.

For credit score of 800 and above*

* These rates are as on today,

Not sure what's right for you?

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"Appreciate the quick service and understanding at HDFC Housing Finance"
- Avinashkumar Rajpurohit,Mumbai

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View Amortization Schedule

EMI break-down chart

YearOpening BalanceEMI*12Interest paid yearlyPrincipal paid yearlyClosing Balance
125,00,0002,40,3082,23,05417,25524,82,745
224,82,7452,40,3082,21,44418,86424,63,881
324,63,8812,40,3082,19,68520,62324,43,258
424,43,2582,40,3082,17,76222,54724,20,711
524,20,7112,40,3082,15,65924,64923,96,062
623,96,0622,40,3082,13,36026,94823,69,114
723,69,1142,40,3082,10,84729,46223,39,652
823,39,6522,40,3082,08,09932,20923,07,443
923,07,4432,40,3082,05,09535,21322,72,229
1022,72,2292,40,3082,01,81138,49822,33,732
1122,33,7322,40,3081,98,22042,08821,91,644
1221,91,6442,40,3081,94,29546,01321,45,630
1321,45,6302,40,3081,90,00450,30520,95,326
1420,95,3262,40,3081,85,31254,99620,40,329
1520,40,3292,40,3081,80,18360,12519,80,204
1619,80,2042,40,3081,74,57565,73319,14,471
1719,14,4712,40,3081,68,44571,86418,42,607
1818,42,6072,40,3081,61,74278,56617,64,041
1917,64,0412,40,3081,54,41585,89316,78,148
2016,78,1482,40,3081,46,40493,90415,84,244
2115,84,2442,40,3081,37,6461,02,66214,81,582
2214,81,5822,40,3081,28,0721,12,23713,69,346
2313,69,3462,40,3081,17,6041,22,70412,46,641
2412,46,6412,40,3081,06,1601,34,14811,12,493
2511,12,4932,40,30893,6491,46,6599,65,834
269,65,8342,40,30879,9711,60,3378,05,496
278,05,4962,40,30865,0171,75,2916,30,205
286,30,2052,40,30848,6691,91,6404,38,566
294,38,5662,40,30830,7962,09,5132,29,053
302,29,0532,40,30811,2562,29,0530