Interest Rates

All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 5.50%

Special Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals)
Loan Slab Interest Rates (% p.a.)
For All Loans* Policy Repo Rate + 2.40% to 7.70%= 7.90% to 13.20%

Calculators

Get an estimate of your loan from HDFC Bank with super ease. 

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.

Housing Charges

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 18-70 years
Profession Salaried / Self Employed
Nationality Resident Indian
Tenure Up to 20 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.

*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**

Loans up to and including ₹30 lacs

90% of the Construction Estimate

Loans from ₹30.01 lacs to ₹75 lacs

80% of the Construction Estimate

Loans above ₹75 lacs

75% of the Construction Estimate

 

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

Testimonials

Frequently Asked Questions

Rates Offered to Customer (Past Quarter)
Segment IRR APR
Min Max Avg. Min Max Avg.
HOUSING 8.35 12.50 8.77 8.35 12.50 8.77
NON - HOUSING* 8.40 13.30 9.85 8.40 13.30 9.85
*NON - HOUSING = LAP(EQUITY), NON-RESIDENTIAL PREMISES LOAN & INSURANCE PREMIUM FUNDING  

Loan Benefits

End to end digital process

Loan approval in 4 simple steps.

Customised Repayment Options

Tailor-made loans to suit your requirements.

Easy documentation

Apply with minimal documents, save time and effort.

24x7 assistance

Connect with us on Chat, WhatsApp anytime, anywhere

Online loan account

Login to your account to conveniently manage your loan.

Key Features

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 Bank’s products and services. For detailed information about  our 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
125,00,0002,18,0421,96,74021,30224,78,698
224,78,6982,18,0421,94,99523,04724,55,651
324,55,6512,18,0421,93,10624,93524,30,716
424,30,7162,18,0421,91,06426,97824,03,738
524,03,7382,18,0421,88,85329,18823,74,549
623,74,5492,18,0421,86,46231,57923,42,970
723,42,9702,18,0421,83,87534,16723,08,804
823,08,8042,18,0421,81,07636,96622,71,838
922,71,8382,18,0421,78,04839,99422,31,844
1022,31,8442,18,0421,74,77143,27021,88,574
1121,88,5742,18,0421,71,22646,81521,41,758
1221,41,7582,18,0421,67,39150,65120,91,108
1320,91,1082,18,0421,63,24154,80020,36,308
1420,36,3082,18,0421,58,75259,29019,77,018
1519,77,0182,18,0421,53,89564,14719,12,871
1619,12,8712,18,0421,48,64069,40218,43,469
1718,43,4692,18,0421,42,95475,08817,68,381
1817,68,3812,18,0421,36,80281,23916,87,142
1916,87,1422,18,0421,30,14787,89515,99,248
2015,99,2482,18,0421,22,94695,09515,04,152
2115,04,1522,18,0421,15,1561,02,88614,01,266
2214,01,2662,18,0421,06,7271,11,31512,89,952
2312,89,9522,18,04297,6071,20,43411,69,517
2411,69,5172,18,04287,7411,30,30110,39,217
2510,39,2172,18,04277,0661,40,9758,98,241
268,98,2412,18,04265,5171,52,5257,45,717
277,45,7172,18,04253,0211,65,0205,80,696
285,80,6962,18,04239,5021,78,5394,02,157
294,02,1572,18,04224,8761,93,1662,08,991
302,08,9912,18,0429,0512,08,9910