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
Key Highlights of HDFC Ltd Home Loan
Special Offer on HDFC Home Loans @ 8.50%* p.a. onwards with EMI of Rs. 769* per lakh for loans up to 30 years.
| Loan upto 30 lakh | 8.50% - 9.60% |
| 30 Lakh to 75 Lakh | 8.50% - 9.60% |
| Above 75 Lakh | 8.50% - 9.60% |
| EMI Per Lakh | Rs.769 |
| RPLR Rate | 18.55% |
| 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 |
Upto 5000 + Taxes |
| 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 2023: (Updated as on 05 June 2023)
| SPECIAL HOME LOAN RATES | |
| Retail Prime Lending Rate: 18.55% | |
| Loan Slab | Home Loan Interest Rates (% p.a.) |
| For All Loans* | 8.50 - 9.00 |
| STANDARD HOME LOAN RATES | |
| Retail Prime Lending Rate: 18.55% | |
| Loan Slab | Home Loan Interest Rates (% p.a.) |
| For All Loans* | 8.70 - 9.60 |
| *Credit score linked interest rates. All loans are at the sole discretion of HDFC Ltd. For detailed terms and conditions, visit www.hdfc.com/tnc#other | |
Repayment options: You can repay the loan amount in maximum upto 30 years.
Processing fees - you have to pay 2000+Taxes of the loan amount (Salaried) or Rs.25,000 + Taxes whichever is lower (Self Employed) applicable on hdfc ltd home loans.
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
maximum 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 property 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
Other available products of HDFC Banks in India HDFC Bank Personal Loan | HDFC Bank Credit Card | HDFC Bank Business Loan | HDFC Bank Gold Loan | HDFC Ltd. Loan against Property| Branch | Location / Address | State |
| Vijayawada | M L TOWERS, D NO. 40-1-182 BUNDAR ROAD, LABBIPET, VIJAYAWADA - 520010 | Andhra Pradesh |
| Tirupati | 1ST FLOOR, CHINNAMAGARI'S PLAZA, D.NO: 10-14-582, V V MAHAL ROAD, TIRUPATI - 517501 | Andhra Pradesh |
| Visakhapatnam | DOOR NO.26-42-4, S NO.103/2, NH-5, BESIDES EXHIBITION GROUND, CHINNAGANTYADA, GAJUWAKA, VISAKHAPATNAM - 530026. | Andhra Pradesh |
| Chandigarh | SCO 153-155, SECTOR 8-C, MADHYA MARG, CHANDIGARH - 160018 | Chandigarh |
| New Delhi | 2ND FLOOR, 44 REGAL BUILDING, CONNAUGHT PLACE, NEW DELHI - 110001 | Delhi |
| Dwarka | HL WINGS, 1ST FLOOR, SECTOR-11, PLOT-2, POCKET 4, DWARKA, NEW DELHI - 110075 | Delhi |
| Delhi | 23-28, MAJESTIC TOWER, UPPER GROUND FLOOR, COMMUNITY CENTRE, VIKAS PURI, NEW DELHI - 110018 | Delhi |
| South Delhi | THE CAPITAL COURT, MUNIRKA, OUTER RING ROAD, OLOF PALME MARG, NEW DELHI - 110067 | Delhi |
| Ahmedabad | 201, 2ND FLOOR, AMRUTA ARCADE, STATION ROAD, MANINAGAR, AHMEDABAD - 380008 | Gujarat |
| Vadodara | HDFC HOUSE, TRIDENT RACE COURSE, VADODARA - 390 007 | Gujarat |
| Surat | 1ST FLOOR, KASHI PLAZA MAJURA GATE, SURAT - 395002 | Gujarat |
| Gurgaon | FIRST INDIA PLACE, MEHRAULI-GURGAON ROAD, GURGAON - 122001 | Haryana |
| Bengaluru | 1ST FLOOR, 896/4, 1ST A MAIN, SECTOR A, YELAHANKA NEW TOWN, BANGALORE - 560064 | Karnataka |
| Bangalore | GROUND FLOOR, GOLDEN HEIGHTS MALL, 1/2, 59TH C CROSS, 4TH M BLOCK, DR. RAJKUMAR ROAD, BENGALURU - 560010 | Karnataka |
| Mysore | # 2904, CH-67, 1ST FLOOR, FIRST MAIN, NEW KANTHARAJ URS ROAD, SARASWATHI PURAM, MYSORE - 570009 | Karnataka |
| Kochi | 1ST FLOOR, KOOLIYATTU BUILDING, COCHIN PALACE P O, KARINGACHIRA, TRIPUNITHURA, ERNAKULAM - 682301 | Kerala |
| Kalamassery | 3rd Floor Pathicheril Enclave, Near Metro Pillar No 328,Changampuzha Nagar P.O, Kalamassery - 682033 | Kerala |
| Indore | HDFC HOUSE, 10-A/1, MG ROAD, INDORE - 452001 | Madhya Pradesh |
| Mumbai | OFFICE NO 1001, B WING, WESTERN EDGE II, WESTERN EXPRESS HIGHWAY, BORIVALI (E), MUMBAI 400066 | Maharashtra |
| Thane | VISHNU PRASAD COMPLEX, UNIT NO.1, ÔHÕ WING, 3, PADMA COLONY, P P MARG, VIRAR (W), DISTRICT THANE, MUMBAI - 401303 | Maharashtra |
| Navi mumbai | UNIT NO. 1, 1ST FLOOR, WHITE HOUSE, ABOVE ATHITHI HOTEL, BOISAR-TARAPUR ROAD, BOISAR(W) - 401501 | Maharashtra |
| Mumbai | B2 - 201, MARATHON INNOVA NEXT GEN OPP. PENINSULA CORPORATE PARK, OFF GANPATRAO KADAM MARG, LOWER PAREL MUMBAI - 400013 | Maharashtra |
| Mumbai | 104, KEMP PLAZA, 1ST FLOOR, NEAR EVERSHINE MALL, CHINCHOLI BUNDER ROAD, OFF MALAD LINK ROAD, MALAD WEST, MUMBAI - 400064 | Maharashtra |
| Nagpur | GROUND FLOOR, RAWEL PLAZA, KADBI CHOWK, KAMPTEE ROAD, NAGPUR - 440004 | Maharashtra |
| Pune | 2ND FLOOR, GOPAL HOUSE, OPP. KASAT CHEMICALS, KOTHRUD, PUNE - 411029 | Maharashtra |
| Chinchwad | HDFC COMPLEX, PLOT NO. RC-1, SURVEY NO. 100, MIDC G BLOCK , TELCO RD., CHINCHWAD, PUNE - 411019 | Maharashtra |
| Jaipur | 10-B, TARANG APARTMENT, OPP. VAIBHAV MULTIPLEX, GAUTAM MARG, VAISHALI NAGAR, JAIPUR - 302021 | Rajasthan |
| Coimbatore | HDFC HOUSE, 29, KAMARAJ ROAD, RACE COURSE, COIMBATORE- 641018 | Tamilnadu |
| Chennai | AMENITIES FLOOR, NEVILLE TOWER, RAMANUJAN IT CITY, RAJIV GANDHI ROAD, TARAMANI, CHENNAI - 600113 | Tamilnadu |
| Chennai | SHOP NO. A, GROUND FLOOR, KALYANI BLOCK, DOSHI SYMPHONY, VELACHERRY-TAMBARAM MAIN ROAD, PALLIKARANAI, CHENNAI - 600100 | Tamilnadu |
| Chennai | WEST WOODS, Y-205, NEW NO. 32, FIFTH AVENUE, BEHIND HOTEL SARAVANA BHAVAN, ANNA NAGAR, CHENNAI - 600040 | Tamilnadu |
| Chennai | SECOND FLOOR, ITC CENTRE,760, ANNA SALAI, CHENNAI - 600002 | Tamilnadu |
| Madurai | 7A, WEST VELI STREET, MADURAI - 625001 | Tamilnadu |
| Hyderabad | 1ST FLOOR, R.C REDDY COMPLEX, PLOT NO 39 & 40, SRI VENKATESHWARA COLONY, NEAR UPPAL METRO STATION, NAGOLE ROAD,UPPAL, TELANGANA, HYDERABAD - 500039 | Telangana |
| Hyderabad | 1ST FLOOR, D NO.22-86, KANUKUNTA, BHEL X ROADS, R.C.PURAM, ABOVE SONY ELECTRONICS, OPP. BHEL MAIN GATE, HYDERABAD - 502 032 | Telangana |
| Hyderabad | 2nd Floor, TRENDZ DWARAKA PLOT NO.21 & 22 TELECOM NAGAR GACHIBOWLI HYDERABAD - 500 032 | Telangana |
| Hyderabad | I FLOOR, VIJAY SAI TOWERS, ABOVE SONY & RELIANCE DIGITAL, OPP METRO PILLAR NO.14 KUKATPALLY, HYDERABAD | Telangana |
| Lucknow | HINDUSTAN TIMES HOUSE SECOND FLOOR, 25 ASHOK MARG, LUCKNOW - 226001 | Uttar Pradesh |
| Kolkata | COOKE AND KELVEY BLDG., 1ST FLOOR, 20, OLD COURT HOUSE STREET., KOLKATA - 700001 | West Bengal |
| Kolkata | MERLIN ESTATES, 25/8, DIAMOND HARBOUR ROAD, NEAR JANAKALYAN SCHOOL, KOLKATA - 700008 | West Bengal |
| To Know More Details:- https://www.hdfcbank.com/ |
| For Bank Grievance Redressal – https://www.hdfcbank.com/personal/need-help/contact-us |