HDFC Ltd Home Loan @6.70% Low Interest Rate EMI Calculator 2022

HDFC Home Loans– HDFC Limited offers affordable home loans to eligible borrowers with interest rates starting from 6.70% p.a. special offer. EMI starts from Rs. 646 per lakh for loans up to 30 years. The processing fee associated with these home loans will be subject to a maximum of Rs 3,000 plus applicable taxes for employed individuals and Rs 5,000 for self-employed individuals plus applicable taxes.


HDFC Home Loan Interest Rates 2022

HDFC Ltd Home loan interest rates start from 6.75% p.a. exclusive offer. There are several home loan offers offered by the institution which can be listed as follows

HDFC Ltd Home Loan @6.70% Low Interest Rate EMI Calculator 2022
  • Processing Fees 0.5% – 1.5%
  • Penal Interest Rate Up to 24% P.A.
  • Prepayment/Foreclosure Charges 0% – 2%
  • Check dishonor charges Rs.200
  • PDC Swap charges Up to Rs.200
  • HDFC loan tenure Up to Rs.500 plus applicable taxes

Under this campaign, the processing fee for the loan will be limited to Rs 3,000 plus tax for employed individuals and Rs 5,000 plus tax for self-employed individuals.

For detailed information on fees and charges such as regulatory/statutory fees, document fees, and specific charges applicable to home loans for salaried, self-employed non-professionals and self-employed professionals, see Home Loan Processing Fees and Charges.

HDFC Home Loan EMI Calculator

This easy-to-use online calculator lets you calculate your EMI in no time. All you have to do is enter the relevant details related to your loan, including loan amount, interest rate, loan tenure and processing fee. Press the “Calculate” button to check your EMI amount. This will be followed by an amortization table that will give you a comprehensive analysis of your payment schedule.

HDFC Ltd Home Loan Eligibility Criteria

The eligibility of the customer for HDFC Ltd Home Loan is primarily determined on the basis of their income and loan repayment capacity. HDFC Ltd takes into account the applicant’s age, credit score, credit history, etc., along with several other factors.

HDFC Limited Home Loan Schemes

  • HDFC Ltd offers a plethora of home loan schemes for salaried and self-employed individuals. Below is a list of all the plans that customers can avail

HDFC Home Loan-

  • To buy flat, bungalow, row house or property from development authorities
  • Interest concession for women applicants
  • Loans for Resident Indians only
  • Financing of up to 90% of the total asset cost

HDFC Plot Loan-

  • Loan for purchase of plot through direct allotment No hidden charges
  • customized repayment option
  • Expert legal and technical consultancy
  • Loan available for buying resale plot also

HDFC Rural Housing Loan-

  • Attractive rates starting from 6.95% p.a.
  • Tailored for agriculturists, gardeners, gardeners, dairy farmers to buy residential property in rural and urban areas
  • Farmers applying for loans are not required to provide IT returns
  • Long repayment period up to 20 years for farmers


  • Loan to buy new or existing home
  • Loan for salaried individuals with a minimum monthly income of Rs 10,000 and self-employed individuals with an income of Rs 2 lakh per annum.
  • Loan can be used to buy plot
  • Use this loan to build your house on free-hold land or plot

HDFC Home Improvement Loan-

  • The loan is exclusively for your home renovation
  • Simple and hassle free documentation process
  • Interest rates similar to normal home loan rates

HDFC Home Extension Loan

  • Loan to add or expand your home
  • Maximum tenure 20 years
  • Interest rate concession for women applicants

HDFC Top Up Loan-

  • Maximum loan of Rs.50 lakh
  • You can apply after 12 months from the last disbursement of your existing home loan and only after the possession or completion of the existing financed property

HDFC Balan Transfer Loan-

  • Easily transfer your existing loan to HDFC
  • Additional top up loan up to 50 lakhs
  • customized repayment option

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