Hi dear readers, hope you are doing well, today we will know about How to get DHFL Home Loan, Eligibility, Interest Rate, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.
If you want to take advantage of DHFL Finance Home Loan then this article is for you. Home Loan comes under the category of secured loan. You can take home loan to fulfill your dream of home. Like other banks and financial institutions, DHFL Bank also provides home loan facility to its customers.
You can apply for this loan both online and offline. DHFL Finance offers a wide variety of home loan schemes.
You can apply for the home loan you want to take advantage of. In this article, we will know in detail what is DHFL home loan, what is the interest rate, eligibility, documents etc. of this loan and how can we apply for this loan etc., so you can complete this article till the end.
DHFL Home Loan 2024
You can take a home loan to buy a house, renovate or build a house. DHFL home loan interest rate starts from 10.50% p.a. The processing fee on this loan ranges from 0.5% to 1% of the loan amount, which is a minimum of Rs 2500. You can get this home loan with a maximum loan tenure of 25 years. The loan amount given by the bank under the home loan depends on many factors of the customer such as the applicant’s CIBIL Score, age, income, place of residence etc.
If your credit score and income is very high, then you can take advantage of home loan up to the loan amount at attractive interest rates of the bank. Pradhan Mantri Awas Yojana (PMAY) Under this, you can also get subsidy on home loan.
Key Features of DHFL Home Loan
- Loan Name: DHFL Home Loan 2024
- Lender Name: DHFL Finance
- Interest Rate: Starting from 10.50% pa
- Processing Fee: 0.5% to 1% of the loan amount (minimum Rs. 2500)
- Loan tenure: Up to 25 years
- Official Website: https://www.piramalfinance.com/
Interest Rate of DHFL Home Loan 2024
DHFL home loan interest rate starts from 10.50% p.a. Just as Personal Loan before we take Personal Loan Interest Rate Similarly, before taking a home loan, we need to know about Home Loan Interest Rate It is necessary to have information about
apply for that loan without knowing the interest rate of the loan properly, then you may have to face problems at the time of repayment of the loan.
| Slab | Home Loan Interest Rate |
| Up to INR 35 lakhs | Starting from 10.50% p.a. |
| From INR 35 lakhs to INR 75 lakhs | Starting from 10.50% p.a. |
| Over INR 75 lakhs | Starting from 10.50% p.a. |
Benefits and Features of DHFL Home Loan
- Any person for the purpose of building a house, buying a house or renovating a house DHFL Home Loan can take advantage of
- If you are applying for a home loan, then you just have to fill an application form and submit the documents. After that very soon the relationship manager of the bank will contact you and the loan process will be continued further.
- Piramal Capital and Housing Finance home loan interest rate starts from 10.50% per annum.
- You can apply for this home loan both online and offline.
- You can apply for home loan with minimum documentation.
- Home Loan Repayment Flexibility.
- You can also opt for a floating or fixed interest rate to make your home loan repayment more convenient.
- You can get loan amount up to 90% of the purchase price.
- All types of people can apply for this home loan.
- Under Section 80C of the Income Tax Act, 1961, you can avail tax benefits of up to Rs 1.5 lakh on the principal amount, registration cost and stamp duty charges of the home loan.
- The processing fee for home loan ranges from 0.5% to 1% of the loan amount (minimum Rs. 2500 ).
DHFL Housing Loan Eligibility
You can apply for this home loan only when you fulfill all the eligibility of this loan. Any salaried and self-employed One can apply for this home loan. You should have the following eligibility to apply for DHFL Home Loan:
Eligibility for Salaried Employee:
- Applicant’s age should be between 21 to 70 years.
- Note: This home loan can be availed only as long as an individual continues to be a contributor to the income.
- Following A person employed under can apply for this home loan :-
- government institution
- Private Sector
- public area
- MNCs or related companies
- partnership firm
- ownership concerns
- NGO or related organization
Eligibility for Self Employed Person:
- Applicant’s age should be between 23 to 70 years.
- Persons having following employment can apply :-
- Self-employed professionals (doctors, architects, etc.)
- Business owners, proprietors, partners of partnership firms, etc.
DHFL Home Loan Documents Required
Before applying for a home loan, you should keep all your documents together so that whenever the bank asks you for documents, you can show them all the documents immediately. Before applying for DHFL home loan, you must have the following documents:
- PAN card
- passport size photo
- identity proof
- ID Proof – Passport, Driving License, Aadhar, Voter ID, Job Card issued by NREGA, Letter issued by National Population Register containing photo/name details.
- Residence Certificate – Passport, Driving License, Aadhar Card, Voter ID, Utility Bill like Telephone Bill / Electricity Bill etc., Job Card issued by NREGA, Letter issued by National Population Register containing photo/name and address details.
- Property related documents:-
- Stamped agreement of sale/sale deed or allotment letter
- NOC from builder/housing society
- possession certificate
- detailed construction cost estimate
- Bank account statement
- In case of constructed apartment – Occupancy certificate
- Income Proof (Salaried Person):-
- Salary slip of last 3 months
- Form 16
- Bank statement and pay stubs of last six months
- Documentation of collateralized assets
- Income Proof (Self Employed Person):-
- ITR for last two years along with computation
- CA conducted financial audit, where applicable
- 6 months primary bank statement
- Co-applicant – Co-applicant is mandatory for home loan. In some cases, a female co-applicant is mandatory.
- Co-applicant can be spouse or any first blood relative such as parents, siblings, children who have attained the age of maturity (1st income-ownership grid)
- All co-owners of the property should be on the loan structure
- Friends cannot be co-applicants (allowed only if when they are coming as Partner/Director/Shareholder)
DHFL Home Loan Apply
If you fulfill all the conditions of this home loan then you can apply online and offline for it. Here is the information about both the application process:
DHFL Home Loan Online Apply
- To apply online, first you need to visit the official website of Piramal Capital and Housing Finance. www.piramalfinance.com
- Website home page home loan Click on this option will appear.
- After clicking, all the information related to home loan will come in front of you on the next page.
- You have to read all this information.
- To apply, you will see the option of Quick Apply on this page, click on it.
- The loan application form will open in front of you.
- Enter the requested information in the form and submit the form.
- After that the bank employees will contact you and the loan process will be issued further.
How to apply offline ?
- First of all you have to go to your nearest Piramal Capital and Housing Finance branch.
- By going to the bank branch, you will have to contact the employee of the branch.
- The bank employee will provide you all the information related to the home loan.
- After that your documents will be verified.
- Then you have to fill a form.
- Attach the document with the form and submit it there.
- In this way your offline application will be done.
DHFL Home Loan EMI Calculator
Before applying for a home loan, you should calculate the EMI (Equated Monthly Installment) of your loan so that you can get an idea of how much you will have to pay at the time of loan repayment. You can go to the official website of the bank Home Loan EMI Calculator With the help of this you can calculate the EMI of your loan. Loan EMI mainly depends on three factors – loan amount, interest rate and loan tenure. If you apply for that loan without calculating the home loan EMI, then you may have to face difficulties at the time of loan repayment.
DHFL Home Loan Status
If you have applied for home loan, you can also check your loan status in many ways. You can check your loan status with the help of DHFL Finance internet banking. Apart from this, you can get information by logging in to the official website of the bank or by calling DHFL Home Loan Customer Care Number.
DHFL Home Loan Customer Care Number
- Email ID : [email protected]
- Toll Free : 1800 266 6444
The Final Thought:
In this article we have you provided complete information about DHFL Home Loan. Anyone who wants to get a home loan can join Piramal Capital and Housing Finance home loan.
Hope you friends have found this article informative. If you liked this article then please share it with your friends.
FAQs on DHFL Home Loan
Q. What is Home Loan?
Ans. When a person takes a loan to build a house, buy a house or renovate a house, it is a home loan. Like other banks and financial institutions, DHFL also provides home loans to its customers.
Q. What is the interest rate of DHFL Home Loan?
Ans. The interest rate of this home loan starts from 10.50% p.a.
Q. How to apply for DHFL Home Loan?
Ans. Complete information on how to apply for DHFL Home Loan is given in this article. You can apply for this loan by reading this article.
Q. How can I check my DHFL Home Loan status?
Ans. You can check the status of your loan by calling the customer care number of the bank.