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HDFC Ltd Home Loan HDFC Ltd Home Loan

HDFC Ltd home loans available at affordable interest rates, lowest EMI, High Eligibility & low processing charges with easy procedure of home loan. HDFC Ltd is the biggest private lender in home loan segment with over 5.1 million home loan customers. HDFC Ltd extensive distribution network of 378 interconnected offices (including 103 offices of HDFC Sales) with outreach programs to several locations, reaching out to over 2,400 towns and cities all over India.

Key Highlights of HDFC Ltd Home Loan
Interest Rates for upto 75 Lakhs 9.10%
Interest Rates for above 75 Lakhs 9.15%
Min. EMI per 1 Lakh Rs.812 - Rs.815

Apply Online for HDFC Ltd Home Loan Instantly
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RPLR Rate 16.30%
Repayment period 5 - 30 Years
Max Loan amount upto 30 Lakh property value 27 Lakh
Min. Income for Salaried 12000 p.m
Base Rate 9.30%

Processing Fees

1.25% or Max. Rs.3000

Max. loan amount abv 30 lakh 75 - 80%
Min. Income for Self Employed 16500 p.m

Who Can Apply for HDFC Ltd Home Loans?

You can apply individually or jointly for HDFC Ltd Home Loans. All proposed owners of the property will have to be co-applicants. However, all co-applicants need not be co-owners. Generally co-applicants are close family members.

HDFC Ltd Home Loan Interest Rates 2016: (Last updated as on 02 December 2016)

Flexible / Floating home loan interest rates:
Loan amount Interest Rates
Loan amount upto 75 Lac 9.10%
Loan amount above 75 lac 9.15%
 

Repayment options: You can repay the loan amount in maximum upto 30 years.

Processing fees – you have to pay upto 1.25% of the loan amount or Rs.3,000 whichever is higher + taxes applicable on hdfc ltd home loans.

Trends of last 5 Years HDFC Home loans vs RBI Repo rate

Date Change by RBI in Rate Cut New Repo Rate Date New Base Rate of HDFC Ltd
  30-Dec-2015 9.30%
29 Sep 2015  (-).50% 6.75% 06-Oct-15 9.60%
4-Mar-15 0.25%- 7.50% 13-Apr-15 9.85%
15-Jan-15 0.25%- 7.75%
28-Jan-14 0.25% + 8.00%
29-Oct-13 0.25% + 7.75% 2-Nov-13 10.00%
20-Sep-13 0.25% + 7.50% 3-Aug-13 9.80%
3-May-13 0.25% - 7.25%
19-Mar-13 0.25% - 7.50% 30-Mar-13 9.60%
29-Jan-13 0.25% - 7.75% 31-Dec-12 9.70%
17-Apr-12 0.50% - 8.00% 30-jun-12 9.80%
25-Oct-11 0.25% + 8.50% 13-Aug-11 10.00%
16-Sep-11 0.25% + 8.25%  
26-Jul-11 1.25% + 8.00% 12-Jul-11 9.50%
25-Jan-11 6.50% 1-Jan-11 7.75%

Features & Benefits of HDFC Ltd Home Loan

• Attractive & lowest Home Loan Rates.
• You can choose from Fixed Rate or Floating Rate according to your needs.
• Maximum loan amount you can get upto 90% of the cost of the property.
• Easy repayment options of upto 30 years.
• Fastest loan approval even before a property is selected.

*Zero Processing Fees for Salaried and Self Employed Professionals when you shift your Home Loan to HDFC.

Documents required for HDFC Ltd Home Loans are

• Application form with 2 photographs
• Identity Proof & Residence Proof
• Latest Salary Slip (Salaried Individuals)
• Form 16 / ITR (Salaried Individuals)
• Processing Fee cheque
• Last 6 Months bank statement (Salaried Individuals)
• Last 3 Year profit/loss & balance sheet (Self Employed – Professionals/Businessmen)
• Last 3 years income tax returns (Self Employed – Professionals/Businessmen

Maximam Loan Amount you can get for buy a home

Loan Amount Maximum Funding* or avail loan amount
Up to INR 75 Lacs 90% of the property value
Above INR 75 Lacs 80% of the property value

*Subject to Market value of the porperty and replacement capacity of the customer, as assessed by HDFC.

FAQS about HDFC Ltd Home Loans:

How will HDFC Ltd decide the loan amount I am eligible for?

HDFC ltd will determine your loan eligibility mostly by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

Do I get tax benefits on the home loan?

Yes. You are eligible for tax benefits on the principal and interest components of your Home Loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

Can I get a higher loan through my existing loan account to buy a new property?

Yes, you could go in for a ‘Home Conversion Loan’ whereby your existing loan (which you took to buy your current home) could be transferred to the new house with additional funds for the incremental cost of the new house, subject to your loan eligibility. This means you can move into your new home without having to go through the hassle of pre-paying your existing loan.

What is an under construction property?

An under construction property refers to a home which is in the process of being constructed and where possession would be handed over to the buyer at a subsequent date.

Can I repay my loan ahead of schedule?

Yes, you can repay the loan ahead of schedule by making lump sum payments towards part or full prepayment, subject to the applicable prepayment charges.


List of HDFC Ltd. Bank Branches for Home Loans in India

BranchLocation / AddressState
VijayawadaM L TOWERS, D NO. 40-1-182 BUNDAR ROAD, LABBIPET, VIJAYAWADA - 520010Andhra Pradesh
Tirupati1ST FLOOR, CHINNAMAGARI'S PLAZA, D.NO: 10-14-582, V V MAHAL ROAD, TIRUPATI - 517501Andhra Pradesh
VisakhapatnamDOOR NO.26-42-4, S NO.103/2, NH-5, BESIDES EXHIBITION GROUND, CHINNAGANTYADA, GAJUWAKA, VISAKHAPATNAM - 530026.Andhra Pradesh
ChandigarhSCO 153-155, SECTOR 8-C, MADHYA MARG, CHANDIGARH - 160018Chandigarh
New Delhi2ND FLOOR, 44 REGAL BUILDING, CONNAUGHT PLACE, NEW DELHI - 110001Delhi
DwarkaHL WINGS, 1ST FLOOR, SECTOR-11, PLOT-2, POCKET 4, DWARKA, NEW DELHI - 110075Delhi
Delhi23-28, MAJESTIC TOWER, UPPER GROUND FLOOR, COMMUNITY CENTRE, VIKAS PURI, NEW DELHI - 110018Delhi
South DelhiTHE CAPITAL COURT, MUNIRKA, OUTER RING ROAD, OLOF PALME MARG, NEW DELHI - 110067Delhi
Ahmedabad201, 2ND FLOOR, AMRUTA ARCADE, STATION ROAD, MANINAGAR, AHMEDABAD - 380008Gujarat
VadodaraHDFC HOUSE, TRIDENT RACE COURSE, VADODARA - 390 007Gujarat
Surat1ST FLOOR, KASHI PLAZA MAJURA GATE, SURAT - 395002Gujarat
GurgaonFIRST INDIA PLACE, MEHRAULI-GURGAON ROAD, GURGAON - 122001Haryana
Bengaluru1ST FLOOR, 896/4, 1ST A MAIN, SECTOR A, YELAHANKA NEW TOWN, BANGALORE - 560064Karnataka
BangaloreGROUND FLOOR, GOLDEN HEIGHTS MALL, 1/2, 59TH C CROSS, 4TH M BLOCK, DR. RAJKUMAR ROAD, BENGALURU - 560010Karnataka
Mysore# 2904, CH-67, 1ST FLOOR, FIRST MAIN, NEW KANTHARAJ URS ROAD, SARASWATHI PURAM, MYSORE - 570009Karnataka
Kochi1ST FLOOR, KOOLIYATTU BUILDING, COCHIN PALACE P O, KARINGACHIRA, TRIPUNITHURA, ERNAKULAM - 682301Kerala
IndoreHDFC HOUSE, 10-A/1, MG ROAD, INDORE - 452001Madhya Pradesh
MumbaiOFFICE NO 1001, B WING, WESTERN EDGE II, WESTERN EXPRESS HIGHWAY, BORIVALI (E), MUMBAI 400066Maharashtra
ThaneVISHNU PRASAD COMPLEX, UNIT NO.1, ÔHÕ WING, 3, PADMA COLONY, P P MARG, VIRAR (W), DISTRICT THANE, MUMBAI - 401303Maharashtra
Navi mumbaiUNIT NO. 1, 1ST FLOOR, WHITE HOUSE, ABOVE ATHITHI HOTEL, BOISAR-TARAPUR ROAD, BOISAR(W) - 401501Maharashtra
MumbaiB2 - 201, MARATHON INNOVA NEXT GEN OPP. PENINSULA CORPORATE PARK, OFF GANPATRAO KADAM MARG, LOWER PAREL MUMBAI - 400013Maharashtra
Mumbai104, KEMP PLAZA, 1ST FLOOR, NEAR EVERSHINE MALL, CHINCHOLI BUNDER ROAD, OFF MALAD LINK ROAD, MALAD WEST, MUMBAI - 400064Maharashtra
NagpurGROUND FLOOR, RAWEL PLAZA, KADBI CHOWK, KAMPTEE ROAD, NAGPUR - 440004Maharashtra
Pune2ND FLOOR, GOPAL HOUSE, OPP. KASAT CHEMICALS, KOTHRUD, PUNE - 411029Maharashtra
ChinchwadHDFC COMPLEX, PLOT NO. RC-1, SURVEY NO. 100, MIDC G BLOCK , TELCO RD., CHINCHWAD, PUNE - 411019Maharashtra
Jaipur10-B, TARANG APARTMENT, OPP. VAIBHAV MULTIPLEX, GAUTAM MARG, VAISHALI NAGAR, JAIPUR - 302021Rajasthan
CoimbatoreHDFC HOUSE, 29, KAMARAJ ROAD, RACE COURSE, COIMBATORE- 641018Tamilnadu
ChennaiAMENITIES FLOOR, NEVILLE TOWER, RAMANUJAN IT CITY, RAJIV GANDHI ROAD, TARAMANI, CHENNAI - 600113Tamilnadu
ChennaiSHOP NO. A, GROUND FLOOR, KALYANI BLOCK, DOSHI SYMPHONY, VELACHERRY-TAMBARAM MAIN ROAD, PALLIKARANAI, CHENNAI - 600100Tamilnadu
ChennaiWEST WOODS, Y-205, NEW NO. 32, FIFTH AVENUE, BEHIND HOTEL SARAVANA BHAVAN, ANNA NAGAR, CHENNAI - 600040Tamilnadu
ChennaiSECOND FLOOR, ITC CENTRE,760, ANNA SALAI, CHENNAI - 600002Tamilnadu
Madurai7A, WEST VELI STREET, MADURAI - 625001Tamilnadu
Hyderabad1ST FLOOR, R.C REDDY COMPLEX, PLOT NO 39 & 40, SRI VENKATESHWARA COLONY, NEAR UPPAL METRO STATION, NAGOLE ROAD,UPPAL, TELANGANA, HYDERABAD - 500039Telangana
Hyderabad1ST FLOOR, D NO.22-86, KANUKUNTA, BHEL X ROADS, R.C.PURAM, ABOVE SONY ELECTRONICS, OPP. BHEL MAIN GATE, HYDERABAD - 502 032Telangana
Hyderabad2nd Floor, TRENDZ DWARAKA PLOT NO.21 & 22 TELECOM NAGAR GACHIBOWLI HYDERABAD - 500 032Telangana
HyderabadI FLOOR, VIJAY SAI TOWERS, ABOVE SONY & RELIANCE DIGITAL, OPP METRO PILLAR NO.14 KUKATPALLY, HYDERABAD Telangana
LucknowHINDUSTAN TIMES HOUSE SECOND FLOOR, 25 ASHOK MARG, LUCKNOW - 226001Uttar Pradesh
KolkataCOOKE AND KELVEY BLDG., 1ST FLOOR, 20, OLD COURT HOUSE STREET., KOLKATA - 700001West Bengal
KolkataMERLIN ESTATES, 25/8, DIAMOND HARBOUR ROAD, NEAR JANAKALYAN SCHOOL, KOLKATA - 700008West Bengal

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