At HDFC Bank, we recognize that a home loan transcends mere financial dealings. It represents your own cozy nook in the world, customized to your preferences and necessities. It’s where you embrace life’s highs, navigate its lows, and savor the adventure of living. A home is truly irreplaceable, and with HDFC Bank Home Loans, you can build a foundation for hope, realize your aspirations, and make lasting memories in a space that’s distinctly yours.
All rates are benchmarked to Policy Repo Rate. Current applicable
Repo Rate = 6.50%
Special Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals) | |
Loan Slab | Interest Rates (% p.a.) |
For All Loans* | 8.75% to 9.65% |
Standard Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals) | |
Loan Slab | Interest Rates (% p.a.) |
For All Loans* | 9.40% to 9.95% |
Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)
Category | Do’s | Don’ts |
Eligibility & Preparation | Check your housing loan eligibility before starting your application. | Avoid applying for an ad hoc loan amount without checking your eligibility. |
Documents | Go through the list of required documents and have them ready before starting your application. | Do not leave out submitting important documents. |
Understanding Loan Types | Be clear about the type of loan you need (home loan, house renovation loan, plot loan, etc.). | – |
Resources | Read the FAQs before starting your application process. Use the online chat facility for any queries. | Do not ignore your CIBIL score; it impacts your loan application. |
Application Details | Ensure all necessary details are provided for the home loan provider to process your application. | – |
Eligibility for a home loan mainly hinges on your income and ability to repay. Other critical factors that influence eligibility include your personal profile, age at the time the loan matures, age of the property at loan maturity, and your history of investments and savings.
Important Factor | Criteria |
Age | 18-70 years |
Profession | Salaried / Self Employed |
Nationality | Resident Indian |
Tenure | Up to 30 years |
Maximum Funding | |
Loans up to and including ₹30 lacs | 90% of the property cost |
Loans from ₹30.01 lacs to ₹75 lacs | 80% of the property cost |
Loans above ₹75 lacs | 75% of the property cost |
Owning a plot of land allows you to create a completely personalized space. With HDFC Bank’s Plot Loans, you can purchase the land for your future home, setting the foundation to bring your dream home to life.
All rates are benchmarked to Policy Repo Rate. Current applicable repo rate = 6.50%
Special Home Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals) | |
Loan Slab | Interest Rates (% p.a.) |
For All Loans* | 8.75% to 9.65% |
Standard Home Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals) | |
Loan Slab | Interest Rates (% p.a.) |
For All Loans* | 9.40% to 9.95% |
Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)
Eligibility for a plot loan is primarily based on your income and ability to repay the loan. Additional factors that are considered include your personal profile, your age at the time the loan matures, the age of the property at loan maturity, and your history of investments and savings.
Important Factor | Criteria |
Age | 18-70 years |
Profession | Salaried / Self Employed |
Nationality | Resident Indian |
Tenure | Up to 15 years |
Loan Amount | Maximum Funding |
Up to ₹30 lacs | 80% of the property cost |
₹30.01 lacs to ₹75 lacs | 80% of the property cost |
Above ₹75 lacs | 75% of the property cost |
The satisfaction of owning your own home is unmatched, and we’re here to help you achieve that. Whether you’re an agriculturist seeking your dream home in rural or urban areas, we simplify the process for you. HDFC Bank’s Rural Housing Loans are tailored based on the agricultural land you own and the types of crops you cultivate, making it easier to turn your dream into reality.
All rates are benchmarked to Policy Repo Rate. Current applicable repo rate = 6.50%
Standard Home Loan Rates for Salaried, Self Employed & Agriculturists | |
Loan Slab | Interest Rates (% p.a.) |
For All Loans | 9.40% to 10.75% |
Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)
Eligibility for a rural housing loan largely depends on your income and capacity to repay. Other key considerations include your profile, your age at the time of loan maturity, the age of the property at loan maturity, and your investment and savings history.
Here’s the information presented in table format, organized into two sections for eligibility criteria and maximum funding:
Important Factor | Criteria |
Age | 18-70 years |
Profession | Salaried / Self Employed / Agriculturists |
Nationality | Resident Indian |
Tenure | Up to 30 years |
Loan Amount | Maximum Funding |
Up to ₹30 lacs | 90% of the property cost |
₹30.01 lacs to ₹75 lacs | 80% of the property cost |
Above ₹75 lacs | 75% of the property cost |
A home often reflects its owner’s personality and style. You can enhance your home and make renovations as significant and enjoyable as buying a house itself. HDFC Bank’s Home Renovation Loans allow you to modernize and improve your existing home, transforming it into a stylish and more comfortable living environment.
All rates are benchmarked to Policy Repo Rate. Current applicable repo rate = 6.50%
Loan Type | Remove this section | Resulting Interest Rates (% p.a.) |
Special Home Loan Rates | Remove this section | 8.75% to 9.65% |
Standard Home Loan Rates | Remove this section | 9.40% to 9.95% |
Description | Charge |
Maximum Processing Fee | 1% of the loan amount (Minimum of Rs. 7,500) |
Eligibility for a house renovation loan primarily hinges on your income and ability to repay. Other essential factors considered include your personal profile, your age when the loan matures, the age of the property at loan maturity, and your history of investments and savings.
Important Factor | Criteria |
Age | 18-70 years |
Profession | Salaried / Self Employed |
Nationality | Resident Indian |
Tenure | Up to 15 years |
Customer Type | Loan Amount | Maximum Funding as a % of Renovation Estimate | Additional Conditions |
Existing Customer | Up to ₹30 lacs | 100% | Subject to the loan/total exposure not exceeding 90% of the market value of the property as assessed by HDFC Bank |
₹30.01 lacs to ₹75 lacs | 100% | Subject to the loan/total exposure not exceeding 80% of the market value of the property as assessed by HDFC Bank | |
Above ₹75 lacs | 100% | Subject to the loan/total exposure not exceeding 75% of the market value of the property as assessed by HDFC Bank | |
New Customer | Up to ₹30 lacs | 90% | – |
₹30.01 lacs to ₹75 lacs | 80% | – | |
Above ₹75 lacs | 75% | – |
As your life progresses and your family expands, so do your living requirements. To comfortably accommodate the growing needs of your family, HDFC Bank’s Home Extension Loans allow you to add extra space to your existing home. This ensures every family member has more room for their needs and activities.
All rates are benchmarked to Policy Repo Rate. Current applicable repo rate = 6.50%
Loan Type | Remove this section | Effective Interest Rates (% p.a.) |
Special Housing Loan Rates | Remove this section | 8.75% to 9.65% |
Standard Home Loan Rates | Remove this section | 9.40% to 9.95% |
Charge Type | Details |
Processing Fee | Maximum of 1% of loan amount (Minimum of Rs.7,500) |
Important Factor | Criteria |
Age | 18-70 years |
Profession | Salaried / Self Employed |
Nationality | Resident Indian |
Tenure | Up to 20 years |
Loan Amount | Maximum Funding |
Up to ₹30 lacs | 90% of the Construction Estimate |
₹30.01 lacs to ₹75 lacs | 80% of the Construction Estimate |
Above ₹75 lacs | 75% of the Construction Estimate |
At times, fulfilling your dreams might require some additional support. HDFC Bank’s Top Up Loans are designed to help you smoothly finance personal or professional milestones—whether it’s a wedding, a dream vacation, expanding your business, or consolidating debt—with minimal new documentation required. Let one dream pave the way for another.
All rates are benchmarked to Policy Repo Rate. Current applicable repo rate = 6.50%
Special Top Up Rates
|
Loan Category |
Loan Condition |
Remove this section |
Effective Interest Rates (% p.a.) |
|
For Salaried & Self Employed |
Top up for existing customers (Outstanding Home Loan + Top Up Loan) |
Remove this section |
9.50% to 10.40% |
|
For Salaried & Self Employed |
Balance Transfer + Top Up Simultaneous Loan |
Remove this section |
9.05% to 9.95% |
Standard Top Up Rates
|
Loan Category |
Loan Condition |
Remove this section |
Effective Interest Rates (% p.a.) |
|
For Salaried & Self Employed |
Top up for existing customers (Outstanding Home Loan + Top Up Loan) |
Remove this section |
10.15% to 10.70% |
|
For Salaried & Self Employed |
Balance Transfer + Top Up Simultaneous Loan |
Remove this section |
9.70% to 10.25% |
Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)
The eligibility for a loan is mainly based on your income and your ability to repay. Other significant factors that influence eligibility include your personal profile, your age at the time of loan maturity, the age of the property at loan maturity, and your history of investments and savings.
|
Important Factor |
Criteria |
|
Age |
18-70 years |
|
Profession |
Salaried / Self Employed |
|
Nationality |
Resident Indian |
|
Tenure |
Up to 15 years |
|
Condition |
Maximum Funding |
|
Maximum Top Up Loan Amount |
Equivalent to the originally sanctioned total loan amount or ₹100 lacs, whichever is lower |
|
Cumulative Outstanding Loans + Top Up Loan |
Not to exceed 80% of the market value of the property for cumulative exposure up to ₹75 lacs |
|
Not to exceed 75% of the market value of the property if the cumulative exposure is over ₹75 lacs |
HDFC Bank provides Balance Transfer Loans with competitive interest rates to reduce your loan repayments. Transfer your existing Home Loan balances to HDFC Bank, benefit from lower monthly installments, and use the savings for other important aspects of life that matter to you and your family.
All rates are benchmarked to Policy Repo Rate. Current applicable repo rate = 6.50%
|
Loan Type |
Category |
Remove this section |
Effective Interest Rates (% p.a.) |
|
Special Housing Loan Rates |
Salaried & Self Employed (Professionals & Non-Professionals) |
Remove this section |
8.75% to 9.65% |
|
Standard Balance Transfer Loan Rates |
Salaried & Self Employed (Professionals & Non-Professionals) |
Remove this section |
9.40% to 9.95% |
Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)
Eligibility to transfer a housing loan mainly hinges on your income and capacity to repay. Other significant factors include your profile, age at the time of loan maturity, the age of the property at loan maturity, and your history of investments and savings.
|
Important Factor |
Criteria |
|
Age |
18 – 70 years |
|
Profession |
Salaried / Self Employed |
|
Nationality |
Resident Indian |
|
Tenure |
Up to 30 years |
|
Loan Amount |
Maximum Funding |
|
Up to ₹30 lacs |
90% of the property cost |
|
₹30.01 lacs to ₹75 lacs |
80% of the property cost |
|
Above ₹75 lacs |
75% of the property cost |
Even though your career may have taken you overseas, the desire to connect with your roots in India remains strong. HDFC Bank makes it easy and convenient to turn your dream of owning a home in India into reality.
Loan Purpose | Details |
Eligible Borrowers | NRIs, PIOs, OCIs, and Merchant Navy employees |
Property Types | Flats, row houses, bungalows from private developers in approved projects, properties from Development Authorities (e.g., DDA, MHADA), construction on freehold/leasehold plots, properties in existing Co-operative Housing Societies, Apartment Owners’ Associations, or privately built homes |
Services Offered | Home Loan Advisory Services abroad, Property Search Advisory Services including expert legal and technical counseling |
Benefits | Attractive interest rates, insights on developer projects, locations, documentation, and offerings |
Coverage | Loans available for properties located anywhere in India |
Eligibility for an HDFC Home Loan depends on several factors including your age, income, employment type, credit history, and the property’s value. Typically, you must be at least 21 years old at the time of loan application and should not exceed 65 years at the time of loan maturity. Both salaried and self-employed individuals can apply.
Required documents generally include identity proof, address proof, income proof (such as last 3 months’ salary slips or tax returns), bank statements, and property documents. The specific requirements may vary depending on your employment status and the loan scheme you choose.
You can use the EMI calculator available on the HDFC Bank website. Just enter the loan amount, the interest rate, and the loan tenure to receive an estimate of your monthly repayment amount.
Yes, HDFC offers the Women’s Housing Loan, which provides a lower interest rate for the first woman applicant of the home loan. This scheme is part of HDFC’s efforts to encourage homeownership among women.
You can track your home loan application status online through the HDFC Bank home loan portal by using your application reference number. Alternatively, you can visit your nearest HDFC Bank branch or contact the customer care helpline.
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