HDFC Ltd. offers affordable home loans to eligible borrowers with interest rates starting at 6.70% p.a.* (special offer). The EMI starts at Rs. 646* per lakh for loans up to 30 years. The processing fee associated with these housing loans will be a maximum of Rs.3,000 (plus applicable taxes) for employed individuals and Rs.5,000 (plus applicable taxes) for self-employed individuals.
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HDFCs Home Loan Detail :
Interest Rate 6.70% p.a. onwards*
RPLR 16.05%
Loan Amount Based on customer profile
Processing Fees 0.5% - 1.5%
Penal Interest Rate Up to 24% p.a.
Prepayment/Foreclosure Charges 0% - 2%
Max Tenure 30 Years
Rate Packages Fixed/Floating
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एचडीएफसी होम लोन विवरण:
ब्याज दर 6.70% प्रति वर्ष से आगे *
आरपीएलआर 16.05%
ग्राहक प्रोफ़ाइल के आधार पर ऋण राशि
प्रोसेसिंग फीस 0.5% - 1.5%
दंडात्मक ब्याज दर 24% प्रति वर्ष तक
पूर्व भुगतान / फोरक्लोज़र शुल्क 0% - 2%
अधिकतम कार्यकाल 30 वर्ष
रेट पैकेज फिक्स्ड / फ्लोटिंग
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HDFC Ltd Home Loan Fees and 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
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
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HDFC Ltd. Home Loan Eligibility Criteria
The eligibility of a customer for the HDFC Ltd. Home Loan is primarily ascertained on the basis of their income and loan repayment capacity. HDFC Ltd. takes a number of other factors under consideration as well such as the ages of the applicant, credit score, credit history, etc. The basic eligibility criteria can be summed up as follows:
Particulars Salaried Individuals Self-Employed Individuals
Age 21 years to 65 years 21 years to 65 years
Minimum Income Rs.10,000 p.m. Rs.2 lakh p.a.
Nationality Resident Indian Resident Indian
The eligibility of a customer for the HDFC Ltd. Home Loan is primarily ascertained on the basis of their income and loan repayment capacity. HDFC Ltd. takes a number of other factors under consideration as well such as the ages of the applicant, credit score, credit history, etc. The basic eligibility criteria can be summed up as follows:
Particulars Salaried Individuals Self-Employed Individuals
Age 21 years to 65 years 21 years to 65 years
Minimum Income Rs.10,000 p.m. Rs.2 lakh p.a.
Nationality Resident Indian Resident Indian