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HDFC Home Loans

@6.75%*
p.a. onwards

with Flat Processing Fee

₹3,000*
+ Taxes

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Balance transfer

Switch your Home Loan to HDFC and Enjoy Big Benefits on your EMI.

HDFC Arya Exclusively for State, Central Government, Defense & PSU Employees

Flat Processing Fees ₹ 2500 # + Taxes on Home Loans

# T&C Apply

Save upto ₹2.67 ^ Lakh on your first home under PMAY - CLSS

HDFC Home loans for

Agriculturalists, Horticulturists & Dairy farmers

No ITR required and no mortgage of agricultural land

Home Loan Key Features

Special Offer for Central Govt. or State Govt. Employee

Quick and Easy Processing

Easy Documentation

Easy Balance Transfer

No Pre-payment Charges

Customized Quote

Low Processing Charges

No Hidden Charges

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.

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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.

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Home Loan Interest Rate

For Salaried

SPECIAL HOME LOAN RATES

Adjustable Rate Home Loans

Retail Prime Lending Rate: 16.05%

Loan Slab Home Loan Interest Rates (% p.a.)
For Women* (upto 30 Lakhs)6.75 to 7.25
For Others* (upto 30 Lakhs)6.80 to 7.30
For Women* (30.01 Lakhs to 75 Lakhs)7.00 to 7.50
For Others* (30.01 Lakhs to 75 Lakhs)7.05 to 7.55
For Women* (75.01 Lakhs & Above)7.10 to 7.60
For Others*(75.01 Lakhs & Above)7.15 to 7.65

To read terms & Conditions, Click Here

STANDARD HOME LOAN RATES

Adjustable Rate Home Loans

Retail Prime Lending Rate: 16.05%

Loan Slab Home Loan Interest Rates (% p.a.)
For Women* (upto 30 Lakhs)6.95 to 7.45
For Others* (upto 30 Lakhs)7.00 to 7.50
For Women* (30.01 Lakhs to 75 Lakhs)7.20 to 7.70
For Others* (30.01 Lakhs to 75 Lakhs)7.25 to 7.75
For Women* (75.01 Lakhs & Above)7.30 to 7.80
For Others*(75.01 Lakhs & Above)7.35 to 7.85

*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

TruFixed Loan – 2 Year Fixed Rate Variant

Retail Prime Lending Rate: 16.05%

Loan Slab Home Loan Interest Rates (% p.a.)
For Women* (upto 30 Lakhs)7.40 to 7.90
For Others* (upto 30 Lakhs)7.45 to 7.95
For Women* (30.01 Lakhs to 75 Lakhs)7.55 to 8.05
For Others* (30.01 Lakhs to 75 Lakhs)7.60 to 8.10
For Women* (75.01 Lakhs & Above)7.65 to 8.15
For Others*(75.01 Lakhs & Above)7.70 to 8.20

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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.