Housing Development Finance Corporation Home Loan
HDFC (Housing Development Finance Corporation) Home Loan is available at low-interest rates with a maximum tenure of 30 years. To apply for a Home Loan from HDFC, customers can initiate an online application and submit their documents online. You can check your loan eligibility online by submitting an online quotation request. The institution offers options for customised home loans to meet your specific requirements.
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HDFC Ltd Home Loan Overview
You can smoothly apply for HDFC Ltd home loan without any hassles. There are competitive HDFC Ltd home loan interest rates for customers as well. The best part is that there is a highly convenient HDFC Ltd home loan online application procedure that you can follow. Home loans are offered by HDFC Ltd to customers with tenures going up to 30 years and sanctions in only 5 days. Affordable housing loans are especially created for both self-employed and salaried borrowers.
Features & Benefits of HDFC Ltd Home Loans
- Home loans for purchasing various types of properties.
- Professional technical and legal counseling.
- Integrated network of branches.
- PMAY interest subsidies.
- Completely digital procedure.
- Seamless documentation.
- Customized options for repayment.
- Digital home loan management.
- 24-7 support.
HDFC Ltd Home Loan Eligibility Criteria
Here are the HDFC Ltd home loan requirements:
- 21-65 years of age.
- Self employed or salaried borrowers.
- Resident of India.
- You can add co-applicants. Women co-applicants may also get better rates of interest.
HDFC Ltd Home Loan Fees & Charges
- The processing fees are 0.50% of the loan amount or Rs. 3,000, whichever is higher along with applicable taxes. The minimum retention amount is 50% of the application fees or Rs. 3,000 and applicable taxes, whichever is more.
- Charges for delayed payments are up to 24% per annum.
Here are some of the additional charges that are payable in specific circumstances:
| Charge | Amount |
| Check Dishonor | Rs. 300 |
| Document List | Up to Rs. 500 |
| Document Photo Copies | Up to Rs. 500 |
| PDC Swap | Up to Rs. 500 |
| Disbursement Cheque Cancellation Charge After Disbursal | Up to Rs. 500 |
| Re-Appraisal Of Loan After 6 Months From Sanction | Up to Rs. 2,000 + taxes |
Documents Required for HDFC Ltd Home Loan
| ID and Address Proof | Property Documents |
| Income Proof |
How the EMI Calculation works for HDFC Ltd Home Loan?
You can use the online EMI calculator by entering the tenure, home loan amount and rate of interest. This will give you the amount payable every month.
How the EMI Calculation works for HDFC Ltd Home Loan?
You can use the online EMI calculator by entering the tenure, home loan amount and rate of interest. This will give you the amount payable every month.
HDFC Ltd Home Loan Customer Care Number
You can give a missed call to +91-9289200017 or SMS HDFCHOME to 56767.
FAQs
Yes you can get deductions up to Rs. 1.5 lakh under Section 80C and up to Rs. 2 lakh under Section 24.
The minimum salary for a home loan is Rs. 25-30,000.
You can take two home loans simultaneously if you are eligible and you can afford to repay them conveniently every month.
The repayment starts on the month after the month when the loan amount is disbursed to the bank.
The interest rates are highly competitive and start from 6.70% onwards.
There are several KYC documents required including Aadhar Card, PAN Card, Passport, Voter ID Card, Driving License, etc.