Loan Benefits

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Key Features

Interest Rates

Standard Rates 

Trufixed - 3 years

Retail Prime Lending Rate: 18.55%

Loan Slab Reach Home Loans, House Renovation Loan and Home Extension Loan For Top Up Loans and Residential Plot Loans For Non Residential Premises (Built-Up) And Loan Against Property

Any Loan Amount

10.25 to 13.85

10.75 to 14.35

11.25 to 14.85

*The above rates are subject to change without notice. To read terms & Conditions, Click Here

Calculators

Loan Eligibility

Loan eligibility is primarily dependent on income and repaying capacity. Other important factors include the customer’s profile, age at loan maturity, age of property at loan maturity, investment and savings history etc.

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

Up to 30 years

For Home Loans / Home Extension Loans / Refinance

Up to 15 years

for Home Renovation Loans / Plot Loans / Loan Against Property / Non Residential Premises Loans/ Top Up Loans

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**

Home Loans / Home Extension Loans / Home Renovation Loans / Top Up Loans

80% of the property cost

Non Residential Premises Loans/ Plot Loans

60% of the property cost

Loan Against Property

50% of the property cost

 

** Subject to market value of the property and repayment capacity of the customer, as assessed by HDFC.

Documents

For loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed loan application form.

Fees & Charges

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.

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’s products and services kindly visit the nearest HDFC 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
125,00,0002,68,8302,55,64213,18924,86,811
224,86,8112,68,8302,54,22514,60624,72,206
324,72,2062,68,8302,52,65516,17524,56,031
424,56,0312,68,8302,50,91717,91324,38,117
524,38,1172,68,8302,48,99219,83824,18,279
624,18,2792,68,8302,46,86021,97023,96,309
723,96,3092,68,8302,44,50024,33123,71,978
823,71,9782,68,8302,41,88526,94523,45,033
923,45,0332,68,8302,38,99029,84123,15,193
1023,15,1932,68,8302,35,78333,04722,82,146
1122,82,1462,68,8302,32,23236,59822,45,548
1222,45,5482,68,8302,28,30040,53122,05,017
1322,05,0172,68,8302,23,94444,88621,60,131
1421,60,1312,68,8302,19,12149,70921,10,422
1521,10,4222,68,8302,13,78055,05120,55,371
1620,55,3712,68,8302,07,86460,96619,94,405
1719,94,4052,68,8302,01,31367,51719,26,887
1819,26,8872,68,8301,94,05874,77218,52,115
1918,52,1152,68,8301,86,02382,80717,69,307
2017,69,3072,68,8301,77,12591,70516,77,602
2116,77,6022,68,8301,67,2711,01,55915,76,043
2215,76,0432,68,8301,56,3581,12,47314,63,570
2314,63,5702,68,8301,44,2721,24,55813,39,012
2413,39,0122,68,8301,30,8881,37,94312,01,069
2512,01,0692,68,8301,16,0651,52,76510,48,304
2610,48,3042,68,83099,6501,69,1818,79,123
278,79,1232,68,83081,4701,87,3606,91,763
286,91,7632,68,83061,3372,07,4934,84,270
294,84,2702,68,83039,0412,29,7892,54,481
302,54,4812,68,83014,3492,54,4810