HDFC Home Loan Apply 2024 Interest Rate

Hi dear readers, hope you are doing well, today we will know about How to get HDFC 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 are interested in taking home loan from HDFC bank then this article is for you. As you know that home loan is a It comes under the category of Secured Loan. To take this loan, you have to give something to the bank as security.

If you are thinking of building a house and you do not have money then you can take HDFC Home Loan, In this article we will know about how much loan amount we can take home loan from HDFC bank, on this loan. Home Loan Interest Rate 2024 What is it, how can we apply for this home loan, who can apply and do we have to give documents etc. For this you are requested to read this article till the end.

HDFC Home Loan

You can take home loan from HDFC Bank at very low interest rates. If you are thinking of buying a house or are thinking of building 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 Provides many types of home loan schemes, about which we will know in detail in this article. Any salaried person (salaried person and self employed person) can apply for this home loan. Even if you are a farmer, you can still apply for HDFC Home Loan.

Loan amount depends on your income, your CIBIL Score. 

If you want to take HDFC Bank Personal Loan , then you can get information about hdfc personal loan by clicking on this link “ HDFC Bank Personal Loan ”.

Key Features of HDFC Housing Loan 2024

• Loan Name: HDFC Home Loan
• Lending Bank Name: HDFC Bank
• Loan Amount: Based on the applicant’s CIBIL score, income
• Loan tenure : Up to 30 years
• Application Mode : Online / Offline
• Interest Rate: Starting from 7.55% pa
• Official Website: https://www.hdfc.com/

HDFC Home Loan Interest Rate 2024

How much do we get on this home loan? We must first know this hdfc home loan interest rate . HDFC provides home loan to the customers at low interest rates. HDFC home loan interest rates start from 7.55% p.a. In maximum this interest rate keeps on changing. Women are also provided a rebate of 0.5% in the interest rate.

Before taking personal loan Personal Loan Interest Rate 2024 In the same way, before taking a home loan, it is important to have information about the home loan interest rate. If you apply for that home loan without knowing the exact interest rate of the loan, then you may have to face difficulties at the time of repayment of the loan.

Read Also: SBI Home Loan

HDFC home loan repayment period & Option

HDFC Bank gives you a lot of time to repay the home loan and offers you a variety of options to repay the loan. The bank gives you 30 years to repay the home loan. You can repay your loan anytime during this time period.

Now it comes to what option the bank gives you for repayment of the loan. You can watch it here:

Installment Based EMI : You can pay the home loan in the form of EMI. You can calculate your EMI by visiting the official website of the bank.

Quick Repayment Plan: This option provides 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 Options: With this option you get a longer repayment tenure of up to 30 years. This means increased loan amount eligibility and smaller EMIs.

For salaried individuals, two options are added which are as follows:

Step Up Repayment Facility (SURF) : SURF provides an option where the repayment schedule is linked to the expected growth in your income. You can get a higher loan amount and pay lower EMIs in the initial years. Thereafter, the repayment is accelerated in proportion to the expected 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 decreases in proportion to the income later.

Loan Amount

Now it comes to how much loan amount you can get from HDFC Bank. So friends, this is not a fix because the amount of this loan is given to you on the basis of your income. You can check your eligibility by visiting the official website of the bank.

To check your eligibility, first you have to click on this link https://www.hdfc.com/home-loan-eligibility-calculator will have to go As soon as you click on this link, you will come to the Home Loan Eligibility Calculator page.

In this calculator, you can check eligibility by moving the line back and forth. Let us understand this with an example. Let’s say your monthly income is Rs 10,000. As soon as you do this line on 10,000, then on the right side it will show you how much loan amount you can take and also how much you will get on this loan. EMI will have to be paid.

HDFC Home Loan Benefits and Features of

You can see the main benefits and features of this loan here:

• Any salaried person ( salaried person) and self employed person can take home loan from HDFC.
• Even if you are a farmer, you can take a home loan from the bank.
• HDFC Home Loan Interest rates start from 6.75% p.a.
• The loan amount is given to you on the basis of your income, your credit score.
• better your credit score, the higher the loan amount you can get.
• You can take a home loan to buy a house, build a new one or renovate the house.
• HDFC Housing Loan online by visiting the bank’s official website and can do it offline by visiting your nearest bank branch.
• Women are given some concession in the interest rate.
• The tenure of this home loan is up to 30 years.
• If you are facing any kind of difficulty in taking, then you can contact on HDFC Home Loan Customer Care Number.
• Before taking a loan, you have to see the rules of HDFC Home Loan.

Things to consider before applying for HDFC Home Loan

If you are taking a home loan from HDFC Bank and you are applying for it, then you should keep the following things in mind before applying:

• You should check your loan eligibility before applying.
• Before applying online, see and prepare the list of required documents.
• what kind of you of home loan need (home loan, home improvement loan, plot loan, etc.) be clear about
• You must ensure that you are fulfilling all the terms and conditions of the loan which are required by the lender to process the loan.
• You should not ignore your CIBIL score before applying for a loan. Your good CIBIL score can help you get your home loan approved faster.

Home Loan Fees & Charges

Now let’s talk about what charges and fees you have to pay on HDFC Home Loan. To take this home loan, you have to pay many types of Fees & Charges which you can see here:

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
photocopy of documents	Up to 500
pdc swap	Up to 500
Disbursement Check Cancellation Charges After Disbursement	Up to 500
loan after 6 months from sanction	₹ 2,000 and applicable taxes

Apart from this, you also have to pay other charges such as home loan prepayment charges, home loan conversion charges.

HDFC Home Loan Eligibility

• 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 ( 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 be a co – applicant.
• Co-Applicant are as follows:
  • Adding a co-applicant helps in maximizing the loan amount.
  • Adding a female co-owner helps in getting better interest rate.
  • Not all co-applicants need to be co-owners. Usually the co-applicants are close family members.

HDFC Home Loan Documents Required

If you are applying for a home loan, then you should get your documents together. Here is the information about which documents you have to submit to take a home loan :

• KYC documents ( PAN Card / Aadhar Card / Driving License / Passport / Voter ID Card)
• Income Certificate (Last 3 Months Salary Slip, Last 6 Months Bank Statements, Latest Form- 16 & IT Return)
• proof of own contribution
• Employment contract/appointment letter if the current employment is less than the year old
• last 6 months showing repayment of any ongoing loans
• Passport size photograph of all applicants/co-applicants should be pasted on the application form and signed

Property related documents :

• For new homes:
  • Copy of allotment letter/buyer agreement
  • Receipt of payment/(s) made to developer
• For resale homes:
  • Title deed including previous series of property documents
  • Receipt of the 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 the 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 ?

If you have read this article completely you must have come to know whether you are eligible for this loan or not. If you fulfill all the conditions of the bank, then you can apply for this loan both online and offline. You have been given information about both the process of applying here.

First of all let us know how we can apply online :

HDFC Home Loan Online Apply:

• To apply online, you must first visit the official website of the bank. https://www.hdfc.com/ But have to come
• On the home page of the website, the option of Home Loans will appear in the option of Loan Products, 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 Offline for HDFC Home Loan ?

If you do not want to apply online then you can also apply offline for it. To apply offline, follow the steps given below :

• First of all you have to go to your nearest branch of the bank.
• By going to the bank, you have to tell the rights of the bank that you want to apply for home loan.
• After that the bank employee will provide you the information related to the home loan. He will check your documents and based on your documents will give you information about how much loan amount you are eligible.
• If you comply with all the conditions of the bank, then after that the loan process is carried 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 ?

If you have applied for home loan and want to track the status of your application, then you can follow the steps given below :

• First of all you have to visit the official website of HDFC Bank.
• On the website, you will see the option of Application Status, click on it.
• directly you this link https://leads.hdfcbank.com/applications/misc/LST/loantracker.aspx Click on this link, on 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.

HDFC Home Loan Login

• To login, first you have to visit the official website of the bank https://www.hdfc.com/ But have to come
• 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.
• After that you will see the option of Customer Login, click on it.
• After clicking, the login page will open in front of you. you can go directly to this link https://portal.hdfc.com/login You can also come to the login page by clicking on
• you can log in to your account by entering the required details.

HDFC Home Loan EMI Calculator

You can calculate your EMI to find out how much you will have to pay as monthly installment of your loan. You can calculate EMI by visiting the official website of the bank or you can go through this link https://www.hdfc.com/home-loan-emi-calculator Click on

As soon as you click on this link, Home Loan EMI Calculator will open in front of you. In this, you can calculate your EMI by selecting your loan amount, loan tenure and interest rate.

HDFC Home Loan Customer Care Number

If you are facing any kind of problem in applying for the loan then you can contact on HDFC Home Loan customer care number. City-wise customer care numbers have been given to you here, you can see it:

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
Kolkata	+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 get HDFC Home Loan? Tried to give complete information about Hope you find this article informative.

If you are facing any kind of problem in taking home loan, then you can contact on the customer care number of the bank.

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FAQ’s on HDFC Home Loan