hdfc home loan : In this article we will know that you HDFC Home Loan How To Take Can | HDFC Bank is offering home loans to its customers with attractive interest rates.
in present time HDFC Home Loan Interest Rate 8.60% p.a. starts from You can avail loan up to 90% of the total cost of the property. You can take this loan for a period of 30 years.
Before applying for a home loan, you can calculate your loan EMI with the help of HDFC home loan calculator by visiting the official website of HDFC Bank so that you can get an idea of the amount of installments you will have to pay at the time of loan repayment. Will be
HDFC Home Loan in Hindi
You can take home loan from HDFC Bank at very low interest rates. If you are thinking of buying a house or planning to build a new house, then you hdfc housing loan With this you can fulfill your dream of home.
You can apply for HDFC home loan both online and offline. HDFC Bank offers a variety of home loan schemes, which we will discuss in detail in this article.
Any Salaried Person (Salaried Person) and Self Employed (Self Employed) person can apply for this home loan. Even if you are a farmer, you can still apply for HDFC Bank Home Loan.
HIGHLIGHTS:
| loan name | hdfc home loan 2022 |
| Name of the lending bank | HDFC Bank |
| loan amount | 90% of the total cost of the property |
| Loan Tenure | up to 30 years |
| application mode | online / offline |
| Rate of interest | Starting at 8.60% p.a. |
| official website | hdfc.com |
What is the HDFC home loan interest rate?
hdfc home loan interest rate 8.60% p.a. for women starts with while For others 8.65% p.a. starts from You can understand the home loan interest rate from the table given below:
| loan slab | Interest Rate (% p.a.) |
|---|---|
| For women (up to Rs.30 lakh) | 8.60 – 9.10 |
| For others (up to Rs.30 lakh) | 8.65 – 9.15 |
| For women (30.01 lakh to 75 lakh) | 8.85 – 9.35 |
| For others (30.01 Lakh to 75 Lakh) | 8.90 – 9.40 |
| For Women (75.01 lakh and above) | 8.95 – 9.45 |
| For Others (75.01 lakh and above) | 9.00 – 9.50 |
HDFC Home Loan Repayment Tenure and Options
HDFC Bank gives you a lot of time to repay the home loan and gives you a variety of options to repay the loan. bank to you home loan 30 years to repay gives time of You can repay your loan anytime during this time period.
The bank offers you a variety of loan repayment options which are as follows:
Installment based EMI: You can pay the home loan in the form of monthly installment (EMI). You can calculate your EMI by visiting the official website of the bank.
Accelerated Repayment Scheme: This option gives you the flexibility to increase the EMI every year in proportion to the increase in your income, as a result of which you can repay the loan much faster.
Telescopic Repayment Option: With this option you get a longer repayment tenure of up to 30 years. This means increased loan amount eligibility and smaller EMIs.
Two more options are added for salaried individuals which are as follows:
Step Up Repayment Facility (SURF): SURF offers an option where the repayment schedule is linked to the expected growth in your income. You can avail a higher loan amount and pay lower EMIs in the initial years. Thereafter, the repayment is accelerated in proportion to the projected increase in your income.
Flexible Loan Installment Plan (FLIP): FLIP offers a customized solution to suit your repayment capacity which is likely to change during the tenure of the loan. The loan is structured in such a way that the EMI is high during the initial years and later decreases in proportion to the income.
Loan amount under HDFC Bank Home Loan
With HDFC Bank you can get a loan up to 90% of the total cost of the property. You can calculate your eligibility with the help of home loan eligibility calculator by visiting the official website of the bank.
HDFC Bank’s eligibility calculator will show you something like this, in which you can calculate your eligibility by entering your income, loan tenure, interest rate and other EMIs.
- In this calculator, you can check eligibility by moving the line back and forth. We understand this with an example. Suppose your monthly income is Rs.10,000.
- As soon as you cross this line on 10,000, then on the right side you will be shown that up to what loan amount you can take a loan and also how much EMI you will have to pay on this loan.
HDFC Bank Home Loan Benefits and Features
- Even if you are a farmer, you can take a home loan from the bank.
- The better your credit score, the more loan amount you can get.
- You can take a home loan for buying a house, building a new one or renovating a house.
- You can apply for HDFC Housing Loan online by visiting the official website of the bank and offline by visiting your nearest bank branch.
- Women are given some concession in the interest rate.
- if you HDFC Home Loan If you are facing any difficulty in taking it, then you can contact HDFC Home Loan Customer Care Number.
- Before taking the loan, you have to see the rules of HDFC home loan.
- If you are from rural area then you can apply for rural home loan HDFC.
Things to consider before applying for HDFC Home Loan
- You must check your loan eligibility before applying.
- Before applying online, see the list of required documents and prepare them.
- Be clear about the type of home loan you need (home loan, home improvement loan, plot loan, etc.).
- Make sure that you are meeting all the loan conditions that are required by the lender to process the loan.
- You should not ignore your CIBIL score before applying for the loan. Your good CIBIL score can get your home loan approved faster.
HDFC Bank Home Loan Fees and Charges
| fee type | Charges |
|---|---|
| processing fee | 0.50% of the loan amount or ₹3,000 whichever is higher, plus applicable taxes |
| Check Dishonor Charges | ₹300** |
| list of documents | up to ₹500 |
| photocopies of documents | up to ₹500 |
| pdc swap | up to ₹500 |
| Disbursement Check Cancellation Charges After Disbursement | up to ₹500 |
| Re-evaluation of loan after 6 months from sanction | Up to ₹2,000 plus applicable taxes |
Apart from this, you also have to pay other charges like home loan prepayment charges, home loan conversion charges.
hdfc home loan eligibility
- The applicant must be a permanent resident of India.
- The age of the person applying should be between 21 to 65 years.
- Any Salaried / Self Employed can apply.
- Both male and female can apply.
- You can apply for home loan individually or jointly.
- All the proposed owners of the property will have to become co-applicants.
- Some of the benefits of becoming a co-applicant are as follows:
- Adding a co-applicant helps in maximizing the loan amount.
- Adding a female co-owner helps in getting a better interest rate.
- All co-applicants need not be co-owners. Usually co-applicants are close family members.
Documents Required for HDFC Home Loan
The list of HDFC home loan documents are as follows:
- KYC documents (Pan Card/Aadhaar Card/Driving License/Passport/Voter ID Card)
- Income Certificate (Last 3 Months Salary Slip, Last 6 Months Bank Statement, Latest Form-16 & IT Return)
- proof of own contribution
- Employment contract/appointment letter if less than the present employment year
- Bank statements of the last 6 months showing repayment of any ongoing loans
- Passport size photograph of all the applicants/co-applicants should be pasted on the application form and signed
property related documents,
- For new homes:
- Copy of allotment letter/buyer’s agreement
- Receipt of payment/(s) made to the developer
- For resale homes:
- Title deed including previous series of property documents
- Receipt of initial payment(s) made to the seller
- Copy of contract to sell (if already executed)
- For construction:
- Plot Title Deeds
- Proof of no encumbrance on the property
- Copy of plans approved by local authorities
- Construction Estimate by an Architect / Civil Engineer
NOTE: All documents should be self attested. The above list is indicative in nature and additional documents may be called for.
How to apply for HDFC Home Loan?
Follow the steps given below to apply online or offline:
HDFC Home Loan Apply Online:
- In the option of Loan Products on the home page of the website home loan The option of will appear, click on it.
- After clicking, a new page will open. On this page you will see the option of Apply Online, click on it.
- On the next page, you will see the option of Apply Now, click on it.
- The loan application form will open in front of you. In this form, you have to enter the requested information correctly and submit the form.
How to apply for HDFC Home Loan offline?
- First of all you have to go to your nearest branch of the bank.
- By going to the bank, you have to tell the authority of the bank that you want to apply for a home loan.
- After that the bank employee will provide you the information related to the home loan. He will check your documents and on the basis of your documents will give you information about the loan amount you are eligible for.
- If you follow all the conditions of the bank, then after that the loan process is taken forward.
- After all the loan processing is done, the loan amount is transferred to your bank account.
How to check HDFC Home Loan Application Status?
- First of all HDFC Bank official website But have to come.
- on the website you Application Status The option of will appear, click on it.
- By clicking on this link, you will come to the page from where you can check the Application Status.
- A form will open in front of you. You can track the status of your application by entering the required details in this form.
How to login to HDFC Home Loan?
- To login, first you have to visit the official website of the bank.
- On the home page of the website, you will see the option of For Home Loans in the option of Existing Customers, click on it.
- then you Customer Login The option of will appear, click on it.
- After clicking, the login page will open in front of you.
- After coming to the login form, you can login to your account by entering the required details.
hdfc home loan customer care number
| CITY | TELEPHONE NO. |
|---|---|
| Ahmedabad | +91 (79) 66307000 |
| Aurangabad | 02406710600/601 |
| Bangalore | +91 (80) – 41182000 |
| Bhopal | 0755- 2780000 |
| Bhubaneswar | +91 0674-6633300 |
| Chandigarh | +91 (172) 6761000 |
| Chennai | +91 (44) 23739400 |
| Coimbatore | +91 (422) 4301100 |
| Dehradun | 18604204222 |
| Guwahati | +91 (0361) 7101800 |
| Hyderabad | +91 (40) 67699000 |
| Indore | +91 (0731) – 4223300 |
| Jaipur | +91 (141) 4140888 |
| Kanpur | 0512-6680600 |
| Kochi | +91 (484) 6661200 |
| Calcutta | +91 (33) 6655 6655 |
| Lucknow | 18002100018, 011-64807999 |
| Ludhiana | 0161-5201300 / 0161- 5155555 |
| Madurai | +91 (452) 2559000 |
| Mumbai(Home Loans) | 18002100018, 022-64807999 |
| Mysore | +91 (821) 2545615 |
| Nagpur | 0712 – 6166000 |
| Nashik | +91 (253) 6606000 |
| New Delhi | 18002100018, 011-64807999 |
| Patna | +91 (0612) 6690669 |
| pune | +91 (20) 25505000 |
| Raipur | +91 (771) 4243100 |
| Rajkot | 2816136700 |
| Surat | +91 (261) 4141212 |
| Trivandrum | 0471-6170300 |
| Vadodara | +91 (265) 2308400 |
| Vijayawada | 0866-2429100 |
| Visakhapatnam | 0891-6799500 |
conclusion
In this article we have given you How to take home loan from HDFC Bank? Tried to give complete information about If you want to get any other kind of information about HDFC Housing loan, then you can get the information by calling the customer care number of the bank.
For more information, you can write to us in the comments.
FAQ:
The verification process is completed in about 3 to 7 working days.
What is the home loan rate of HDFC Bank?
Its interest rate starts from 8.60% per annum.
You can take this loan till the time of 30 years.