Check out the HDFC Bank Home Loan interest rate starting from 7.90% p.a. Explore EMIs, additional fees, benefits and eligibility to apply online or offline.
HDFC Bank offers home loans starting from an attractive interest rate of 7.90% p.a. HDFC Bank provides a loan amount of up to 90% of the property’s cost, with flexible repayment tenures of up to 30 years.
Whether you are purchasing a new house or renovating an existing property, HDFC Bank provides customised loan solutions to meet your requirements. The bank also offers a home loan balance transfer facility, enabling you to benefit from better rates and lower EMIs.
With smooth processing, minimal documentation, and dependable customer support, HDFC Bank makes homeownership more accessible and affordable.
HDFC Bank Home Loan interest rate is linked to the RBI's Policy Repo Rate, ensuring transparency and alignment with market conditions. The current applicable repo rate stands at 5.50%. The interest rate details for home loans are listed below, along with additional fees applicable:
Particulars |
Details |
|---|---|
| Starting Interest Rate |
7.90% p.a. |
| Maximum Interest Rate |
13.20% p.a. |
| Processing Fees |
Up to 2% of the loan amount |
| Foreclosure Charges |
|
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
HDFC Bank Home Loans may include additional charges such as prepayment charges, documentation, and administrative costs. Some of them are:
Particulars |
Details |
|---|---|
| Conversion of ROI from Floating to Fixed |
Up to ₹3,000 |
| List of Documents |
Up to ₹500 |
| Stamp Duty and Statutory / Regulatory Charges |
At actual |
| CERSAI Charges |
At actual (up to ₹100) |
| Administrative Charges |
Up to ₹5,000 plus applicable taxes |
| Conversion Fees/Charges |
Up to 1.50% of the principal outstanding |
| Repayment Mode Changes |
Up to ₹500 |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
The EMI calculator tool enables you to estimate your monthly instalments quickly and accurately. Input the loan amount, interest rate, and tenure and get accurate results instantly. Use this tool to plan your home loan repayment schedule with confidence.
You can be prepared for all charges related to your loan with a transparent fee structure.
You can qualify for pre-approved offers that make applying for a home loan more convenient.
The HDFC Bank loans come with competitive interest rates, starting from 7.90% per annum.
You can select from various types of housing loans. These include home loan top-ups, rural housing loans, home extension loans, and more.
You can select a repayment tenure of up to 30 years for your HDFC Bank Home Loan.
Before applying for an HDFC Bank Home Loan, you need to qualify based on certain eligibility criteria. Here is a detailed guide:
Here is a look at the documents required for HDFC Bank Home Loans, both for salaried and self-employed individuals:
HDFC Bank offers a wide range of home loans to suit different needs, whether you want to buy, build, renovate, or expand your home. Below are the various HDFC Bank home loan types, along with their features.
It is offered to individuals planning to build a home on purchased land. With competitive interest rates and long tenures, these loans offer flexibility in planning and construction..
It is tailored for rural residents and farmers to buy, build, or enhance homes in villages or small towns. They come with affordable interest rates and repayment structures suited to rural incomes. It ensures that customers in semi-urban and rural regions can get home ownership with ease.
You can unlock up to 65% of your property’s market value through a Loan Against Property. It serves business, education, and personal needs with lower interest rates and longer repayment of up to 15 years.
It helps you revamp your existing home to give it a fresh and appealing look. They are offered with simple documentation and competitive rates.
It is designed for families looking to expand their current living space. They come with flexible EMIs and customer-friendly repayment terms. With this option, you can add extra rooms or expand your home without financial strain.
Top-Up Loans offer additional funds over an existing home loan to meet personal or professional expenses. You can use the loan for a variety of purposes, including marriage, education, or business expansion.
In this option, you can switch your current home loan to HDFC Bank for better interest rates or terms. It also offers improved repayment flexibility and enhanced customer service. You can benefit from reduced financial burden while maintaining continuity of your housing finance.
You can apply for an HDFC Bank Home Loan online or by making a physical visit to the branch office. Here is how to apply for an HDFC Bank Home Loan online and offline:
To apply offline, you can visit the nearest HDFC Bank branch. Here, you can reach out to the home loan department, where an executive will guide you through the process. Do remember to fill in the form carefully and submit copies of the requisite documents.
HDFC Bank Home Loans provides a range of financing options to suit various housing needs. The bank offers loans for purchasing a new home, renovating an existing one, or acquiring a plot for construction.
With competitive interest rates, flexible repayment terms, and simple eligibility requirements, HDFC Bank ensures a smooth, hassle-free borrowing experience.
You can easily track your HDFC Bank Home Loan status online through the loan tracker portal or via net banking. The process is simple and works for both HDFC and non-HDFC account holders. Here are the steps you can follow:
Visit the HDFC Loan Tracker portal at https://leads.hdfcbank.com/applications/misc/LST/loantracker.aspx
Enter details such as your name, reference number/date of birth, or mobile number
Fill in the Captcha Code and click on ‘Submit’ to view the loan status
You can also log in to the official HDFC Bank Net Banking Loans Portal Tab on https://netportal.hdfcbank.com/login#/openMarketLoginLN
Enter your user ID and password
Click on ‘Login’ to view your current loan status
HDFC Bank offers flexible repayment options on home loans, ensuring you can manage EMIs effectively. These repayment methods are designed to provide convenience, as listed below.
Home loan repayment can be done through fixed Equated Monthly Instalments (EMIs), ensuring timely payments. It is advisable to keep EMIs within 40% of your monthly income so repayments remain consistent/. You can also secure an emergency fund that will ensure repayments without affecting essential expenses.
Prepayment allows you to repay your loan earlier, saving on overall interest costs. It is most beneficial when done during the initial years of the loan tenure. Before prepaying, consider tax benefits and any applicable charges to ensure it is beneficial.
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Yes, HDFC Bank offers pre-approved home loans sanctioned based on your income, credit score, and financial profile.
The maximum limit of an HDFC Bank Home Loan depends on the property cost and the type of loan. Typically, you can get up to 90% of the property’s cost, with attractive interest rates and flexible repayment options.
You can check the status of your home loan on the official website of the bank. To track the status, provide details such as your reference/application number.
Yes, HDFC Bank checks your CIBIL score when applying for a home loan. A score of 700 and above is considered excellent and can help you secure a loan at competitive interest rates.
You can select a repayment period of up to 30 years to repay your HDFC Bank Home Loan.
Yes, to benefit from competitive rates of interest, you can transfer your existing home loan under the HDFC Bank balance transfer option.
Yes, if your spouse is the co-owner of the house/property, you can apply for a joint home loan.
The EMI for a ₹20-Lakh home loan on an interest rate of 7.90% p.a. is:
₹24,159 for 10 years
₹16,604 for 20 years
₹14,536 for 30 years
Yes, HDFC Bank offers home loans under the Pradhan Mantri Awas Yojana (PMAY-U 2.0) in 2025. You can save up to ₹1.8 Lakh through interest subsidies while purchasing or constructing your home.
No, HDFC Bank Home Loans do not have hidden charges. All fees, including processing charges, interest rates, and costs, are transparently communicated.
Yes, HDFC Bank provides preferential home loan rates for existing customers through its Conversion Facility. This allows you to switch to lower interest rates by paying a nominal fee, thereby reducing your EMI or shortening the loan tenure.
Yes, HDFC Bank offers home loans for properties under construction, and you can apply for one online. In such cases, you may initially pay interest only on the disbursed loan amount until full disbursement, after which regular EMIs begin.
For fixed-rate or combination-rate loans, a 2.5% fee applies on the outstanding principal if closed within 60 months (Nil thereafter). Part-prepayments of up to 25% from own sources are often free until 36 months.
Yes, HDFC Bank provides home loans for NRIs (Non-Resident Indians) to help them buy, build, or renovate property in India. These loan options are available in the United Kingdom and other locations.
With HDFC Bank Home Loans, you can opt for HDFC ERGO Home Insurance. It safeguards the property and home valuables against risks like natural disasters or theft/burglary. The plan comes with premium discounts, minimal documentation, and optional add-on covers.
To send an online request, you need to first submit the original property documents to the bank. Then log in to portal.hdfc.com/login. Go to the disbursement request tab, upload your own contribution receipts, confirm construction status, and submit the request.
Through the HDFC Bank Home Loan portal, you can view EMI status, repayment schedules, and recent transactions. You can also track loan progress, check overdue charges, and access details on interest rate changes and loan tenure.
You can reduce your HDFC Bank Home Loan interest rate by opting for the Conversion Facility. It allows you to switch to a lower rate scheme for a nominal fee. Additionally, improving your credit score, making part-prepayments, considering a balance transfer, or negotiating may lower your rate.