HDFC Policy | HDFC Home Loans Online Interest rate from 6.70%* p.a. HDFC Policy & Home Loan 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 Policy | HDFC Home Loans Online Interest rate from 6.70%* p.a. 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 Home Loan 6.70% p.a. onwards.
- HDFC Rural Housing Loan 6.95% p.a. to 8.70% p.a.
- HDFC Home Improvement Loan 6.75% p.a. to 8% p.a.
- HDFC Home Extension Loan 6.75% p.a. to 8% p.a.
- HDFC Home Loan Top Up 8.30% p.a. to 8.80% p.a.
- HDFC Plot Loan 7.05% p.a. to 8.10% p.a.
- HDFC Home Loan Balance Transfer 6.75% p.a. to 8% p.a.
- HDFC NRI Home Loan 6.75% p.a. to 8% p.a.
- HDFC Reach Home Loan 8.75% p.a. to 14% p.a.
HDFC Limited Home Loan Fee & Charges
- 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
- Alteration of loan tenure Up to Rs.500 plus applicable taxes
Under this campaign, the processing fee for loans 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 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-
Interest subvention for women applicants for purchase of flat, bungalow, row house or property from development authorities Loan only for resident Indians Financing up to 90% of the total property cost
- HDFC Plot Loan-
Loan for purchase of plot through direct allotment No hidden charges Customized repayment options Expert legal and technical consultation Loans available for resale plot purchase also
- HDFC Rural Housing Loan-
Attractive rates starting from 6.95% p.a. Tailored for agriculturists, gardeners, horticulturists, dairy farmers to buy residential property in rural and urban areas, farmers applying for loans do not need to provide IT returns Longer repayment period up to 20 years for cultivators
- HDFC REACH Home Loan-
Loan to buy new or existing home Loans 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 lot 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 for adding or expanding your house Maximum tenure 20 years Interest rate concession for female 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 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 options