HDFC Bank Home Loans

Here are a few factors

How To Apply
Product Rating

( 4.6 /5 )

Total - 352 ratings


Loan Amount

Minimum: 10 lacs

Maximum: no limit


PAN India


8.50%* p.a. Onwards

Processing Fees

Up to 0.50% of the loan amount or ₹3,000, whichever is higher, plus applicable taxes.

Charges On Account Of Delayed Payments

Delayed payment of interest or EMI shall render the customer liable to pay additional interest up to 24% per annum.

Repayment Tenure

Upto 30 years

Re-Appraisal Of Loan After 6 Months From Sanction

Up to Rs 2,000 plus applicable taxes.

HDFC Bank Home Loans EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %8 %
Tenure (months)12
Emi (monthly)8,699
Total Interest4,386
Loan Amount + Interest104,386
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
57,3643,52960,89342,63657.36 %
Jun8,0326678,69991,9688.03 %
Jul8,0866138,69983,88216.12 %
Aug8,1405598,69975,74224.26 %
Sep8,1945058,69967,54832.45 %
Oct8,2494508,69959,29940.70 %
Nov8,3043958,69950,99549.00 %
Dec8,3593408,69942,63657.36 %
42,63885743,4950100.00 %
Jan8,4152848,69934,22165.78 %
Feb8,4712288,69925,75074.25 %
Mar8,5271728,69917,22382.78 %
Apr8,5841158,6998,63991.36 %
May8,641588,6990100.00 %
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.


Documents and Eligibility Required for HDFC Bank Home Loans


  • Age- 21-65 years
  • Profession–Salaried/Self-employed Professionals (Doctors, Lawyers, Engineers, CA, architect, consultant, CS) and Self-employed Non-Professionals (Commission agent, contractor, trader).
  • Nationality– Indian Resident and NRIs
  • Genders– All.

List of common documents:

Agriculturists Salaried Customers Businessmen – Professionals
Application form with photograph Application form with photograph Application form with photograph
Last 6 months bank statements Last 6 months bank statements Last 6 months bank statements
Processing fee cheque Processing fee cheque Processing fee cheque
Income Documents

Copies of Title Documents of Agricultural Land depicting Land holding Latest Salary Slip Educational Qualifications Certificate and Proof of Business
Copies of Title Documents of Agricultural Land depicting crops being cultivated Form 16 Business Profile and Previous 3 years Income Tax returns (self and business)
Statement of previous 2 years of loans availed
Previous 3 years Profit/Loss and Balance Sheet

Different types of Home Loans at HDFC

Let’s have a look at various options of Home Loans available at HDFC:

Home Loans

Individual or joint home loans for building a home, purchasing new or used property, etc.

Home Improvement Loans (HIL)

Your home's interior design reflects your personality and aesthetic preferences. As a result, you would want to take all possible step to actually achieve your goal. For internal and external repairs as well as reorganisation, you can rely on home improvement loans from HDFC Bank. This loan can be used to pay for a variety of home improvement projects, including painting, roofing, plumbing, electrical work, tiling, flooring, grills, windows, compound walls, and much more.

Home Extension Loan (HEL)

HDFC Bank also provides home loans to assist you in expanding your current residence to meet your needs. This loan enables you to create that extra space with simple financing, whether it's a spare bedroom for your kids, a home office, or your own library room.

Top up Loans

Existing customers can obtain a top-up loan on their current home loan at enticing interest rates. You can receive a Top Up of up to Rs 50 lakh.

Balance Transfer

Is your present loan making life difficult for you? Use our balance transfer option to transfer it to HDFC Bank and take advantage of all the benefits that come with being a customer of HDFC Bank.

Leave Your Question


The co-applicants for the HDFC housing loan must also be the co-owners of the property. Co-applicants do not all have to be co-owners, though. In most cases, the lender permits members of the same immediate family to co-apply.

You can prepay your house loan in full or in part before the actual loan term expires. With regard to house loans obtained at adjustable interest rates, HDFC does not charge prepayment penalties.

Yes, female applicants receive a 5 bps interest rate discount from HDFC.

The Rate of Interest of HDFC Bank Home Loan is 8.10% P.A.

Yes, Delayed payment of interest or EMI shall render the customer liable to pay additional interest of up to 24% per annum.