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HDFC bank home loan is a loan by HDFC bank that you can avail to build or buy a new house/flat. This loan makes a useful option when you want to give your home a makeover with renovation/redecoration. You can avail up 90% of the property value at affordable interest rates that start from 6.70 per annum. Let us unfold the section and see what this one of the best home loan banks has to offer.

HDFC Ltd. Housing Loan Highlights

Loan Amount

Up to 90% of the property value

Interest Charges

Starts at 6.70% per annum

Processing Fees

0.50% of the loan amount (minimum Rs 3000)


Up to 30 years


Up to 2% of the principal outstanding

HDFC Bank Home Loan: Features and Benefits

You can apply for an HDFC bank home loan for the purchase, construction, renovation or redecoration of a house. Here are some features of HDFC bank home loan that make reason why you should consider it:

Loan Amount : The HDFC home loan amount goes up to the 90% of property value. It also depends on the applicant's profile, repayment history, existing loans and other debts, credit score and many different factors. 
Interest Charges : The HDFC home loan interest rates start from 6.70% per annum. The rates vary among different factors like the repayment tenure, type of employment, repayment history, credit score, income etc. 

Loan Repayment Tenure : HDFC bank allows users a flexible repayment tenure to repay the HDFC housing loan. The home loan tenure ranges up to 30 years. 

Balance Transfer : You can choose to transfer your existing loan from another bank to HDFC bank with the HDFC home loan balance transfer facility. This feature counts a lot when you want to avoid the high interest rates the lender is charging you and move it to the one where the interest rates are less. 

Top Up Loan : You can avail the top up loan on your HDFC bank home loan. The HDFC top up home loan is an additional loan over the existing home loan. If you have a strong credit history and a good repayment record, then you can apply for the HDFC bank top up home loan. 

Prepayment : You can opt to foreclose your HDFC bank home loan by making prepayment of the amount. If you choose to prepay the loan amount within the first 6 months of tenure, then you will be charged a prepayment fee of 2%. Besides that, you can make prepayment of loan from 7 to 36 months without being charged any prepayment fees.

Easy and Fast Procedure : The HDFC bank home loan procedure is easy and fast. You can apply for the HDFC bank housing loan within a few simple clicks online or you can visit the nearest branch of the bank. The bank takes minimum time to disburse the loan, provided that you have followed documentation correctly.

HDFC Bank Housing Loan Interest Rates & Other Charges



Processing fee

For salaried individual and self employed professionals = Upto 0.50% of the loan amount or Rs.3000 whichever is higher plus applicable taxes

For self employed non professionals = Upto 1.5% of the loan amount or Rs.4500 whichever is higher

Charges on account delay payments 

24% per annum

Cheque dishonour charges 


List of documents 

Upto Rs.500

Photocopy of documents 

Upto Rs.500

Swap charges 

Upto Rs.200

Disbursement cheque / cancellation charges 

Upto Rs.200

Re-appraisal of loan after 6 months sanction 

Upto Rs.2000

Increase / decrease in loan term 

Upto Rs.500 plus applicable tax

Pre-closure and pre payment charges


Penal Interest 

Upto 24% per annum

HDFC Bank Home Loan Eligibility

You must meet the eligibility requirements for HDFC Bank housing loan to apply for the loan. You have to make sure that you match the HDFC bank home loan eligibility criteria that is determined by your income, employment, age and other factors.

Here is the HDFC home loan eligibility criteria:

  • The employees of the government and private sector can apply for this loan. Apart from that, businessmen, traders and NRIs can also apply for HDFC home loans. 
  • The loan applicant should be at least 21 years of age. 
  • The maximum age of a loan applicant should not exceed 65 years during loan tenure termination. 
  • The applicants should have a steady income.
  • The applicant should have a good credit score (minimum 750).

HDFC Bank Home Loan Documents Requirement

Here are the documents required for HDFC bank home loan application:


Salaried Applicants

Self Employed Applicants

Identity Proof

Aadhar Card, Voter’s ID Card, Passport, Driving Licence

Aadhar Card, Voter’s ID Card, Passport, Driving Licence

Address Proof

PAN Card,  Voter’s ID Card, Passport, Driving Licence, Utility Bills such as Electricity, Telephone, Water Bills

PAN Card,  Voter’s ID Card, Passport, Driving Licence, Utility Bills such as Electricity, Telephone, Water Bills

Income Proof

Salary Slips, Bank Statements, Form 16

Balance sheet and profit and loss account, IT Returns, Business Proof

Other Documents

Passport-size Photographs, Duly Filled Application Form, Any Other Documents Required by the Bank

Passport-size Photographs, Duly Filled Application Form, Any Other Documents Required by the Bank

Compare other bank home loan interest rates:



AXIS Bank Home Loan

7.75% to 9.40%

SBI Regular Home Loan

6.95% onwards 

HDFC Bank Home Loan

6.95% to 7.50%

Kotak Mahindra Bank Home Loan

7.40% to 9.70%

Yes Bank Home Loan

9.60% to 10.55%

Citi Bank Home Loan

7.34% to 8.29%

ICICI Bank Home Loan

6.95% to 8.05%

Standard Chartered Bank Home Loan

Starting at 8.71%

IDBI Bank Home Loan

7.80% to 8.80%

RBL Bank Home Loan

9.75% to 10.05%

HSBC Bank Home Loan

8.55% to 8.655

IndusInd Bank Home Loan

8.00% to 15.00%

Bank of Baroda Home Loan

6.85% to 7.75%

Bank of India Home Loan

6.85% to 7.755

Canara Bank Home Loan

6.90% to 8.90%

Indian Bank Home Loan

7.55% to 8.40%

Punjab National Bank Home Loan

Starting at 7.00%

HDFC Bank Home Loan EMI Calculator

HDFC home loan EMI calculator is a tool that helps you calculate the Equated Monthly Installments (EMIs) that is payable by you. Calculating EMI will help you assess the tenure you should go for and you will be able to plan your monthly budget accordingly. 

Here is how to use HDFC home loan calculator:

  • Go to the official website of HDFC bank.
  • Now, you have to click on the “Borrow” dropdown menu.
  • After that, click on the “Home Loans” option. 
  • Move to the “Tools & Calculators” section.
  • Click on the “ home loan EMI calculator” option.
  • Then enter the HDFC home loan amount you need, tenure and the rate of interest. 
  • Hit the “Calculate” button.

You will now be able to view the payable EMI.

How to Apply for HDFC Bank Home Loan 

You can do the following to apply for HDFC bank home loan:

Apply for HDFC bank home loan offline

To apply for the HDFC home loan offline, you can visit the nearest branch of HDFC bank. The HDFC bank official will assist you with the home loan process. It is necessary that you carry all the required documents for HDFC home loan application.

Apply for HDFC Mahindra bank home loan online

To apply for the HDFC home loan online, follow the steps mentioned below:

  • Go to the official website of HDFC bank.
  • Click on the “Borrow” dropdown menu.
  • After that, hit the “Home Loans” option. 
  • Now, click on the “Apply Online” button.
  • Fill in the required details in the HDFC home loan application form.
  • Click the “Submit” button.

HDFC Bank Home Loan Customer Care












0484 - 6160616



Delhi and NCR












Other products of HDFC Bank :

1. HDFC Bank Car Loan

2. HDFC Bank Business Loan

3. HDFC Bank Credit Card

FAQs On HDFC Bank Home Loan

Q.1 How can I track the status of my HDFC home loan application?

You can reach out to the HDFC bank customer service to enquire about your home loan application status. Besides that, you can also track the status of your HDFC home loan application on the official website of the bank. You will be required to enter your reference number and date of birth to know the status. 

Q.2 How can I repay my HDFC bank home loan?

You can repay your HDFC home loan amount using the following payment options:

  • NetBanking
  • HDFC Mobile Application
  • Cheque 
  • Auto-Debit

Q.3 What factors determine HDFC home loan eligibility?

Your HDFC housing loan eligibility is determined by multiple factors. Here are the major factors affecting HDFC home loan eligibility:

  • Profile of Applicant 
  • Age of Applicant
  • Credit Score 
  • Existing Debts
  • Repayment Record
  • Guarantor 

Q.4 What are HDFC home loan interest rates?

The HDFC home loan interest rates start from 6.70 per annum. 

Q.5 What are the late payment charges for HDFC home loan EMIs?

If a customer makes late payment of HDFC home loan amount or interest, the bank will charge 24% per annum as an additional interest. 

Last Updated on : 06/Apr/2021

Know More About

Hdfc Bank Home Loan

You're eligible for a Hdfc Bank Home Loan if you:

Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on:

Earn more than minimum income required

Maximum allowed Home Loans is Rs. 10K to Rs. 45 lakhs

EMIs of other loans loweryour eligibility

Boost your eligibility by:

Pay off your credit card bills

Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Hdfc Bank Home Loan Interest Rates

Updated on 25 Nov 2017

Hdfc Bank Home Loan Details
Interest Rate (Monthly reducing balance) 6.95% - 7.5%
Processing Fees Upto 1.5% of the loan amount or (Rs.3000 / Rs.4500) whichever is higher plus applicable tax
Loan Tenure 1 year to 30 years
Pre-closure Charges Varies with bank
Guarantor Requirement Varies with bank

Home Loans EMI Calculator

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Interest Rate


Loan Tenure


Your Monthly Loan EMI