Apply for Home Loan Online in India
- Approval in 4 Simple Steps
- Minimal Documentations
- Customized Repayment Options
HDFC Bank Home Loans bring you one step closer to owning the home you have always aspired for. With competitive interest rates, flexible repayment options, and a seamless digital application process, planning your home purchase becomes simpler and more predictable. From first-time buyers to seasoned homeowners, HDFC Bank offers solutions that adapt to your financial goals.
Whether you are buying, building, or transferring a loan, experience a streamlined process designed for clarity, convenience, and peace of mind.
Here’s what makes HDFC Bank Home Loans a reliable choice for your homeownership plans.
Looking for the right Home Loan? Explore the different options available to suit your needs.
HDFC Bank Home Loan interest rates are benchmarked to the Policy Repo Rate, ensuring transparency and alignment with prevailing market conditions. Currently, with the Repo Rate at 5.50%, the applicable Home Loan interest rates for salaried and self-employed individuals—including professionals and non-professionals—are calculated as Repo Rate plus a spread ranging from 2.40% to 7.70%. This results in effective interest rates between 7.90% and 13.20% per annum.
The final rate offered depends on factors such as the borrower’s credit profile, income, loan amount, and employment category, making the pricing personalised and risk-based.
Plan your HDFC Bank Home Loan with clarity before you apply.
HDFC Bank Home Loans are available to a wide range of applicants who meet the basic eligibility criteria related to income, age, and repayment capacity. Eligibility is primarily assessed based on your financial profile, employment status, and ability to repay the loan comfortably over the selected tenure.
To apply for an HDFC Bank Home Loan, make sure meet the following criteria:
Additional factors such as credit score, savings and investment history, age of the property at loan maturity, and overall financial profile may also influence eligibility.
Apply for an HDFC Bank Home Loan easily by following these steps:
Get an estimate of your Loan and home buying budget and own your dream home with HDFC BANK House Loans with super ease.
Your Home Loan Eligibility is
₹ 12,71,132
Your Home Loan EMI will be
₹ 10,000 monthly
All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 5.25%
| Special Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals) | |
|---|---|
| Loan Slab | Interest Rates (% p.a.) |
| For All Loans* | Policy Repo Rate + 2.50% to 7.95%= 7.75% to 13.20% |
For home loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed Loan application form.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted] | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✅ | ✅ | |
| 2 | Driving license which has not expired. | ✅ | ✅ | |
| 3 | Election /Voters identification card | ✅ | ✅ | |
| 4 | Job card issued by NREGA duly signed by the officer of the State Government | ✅ | ✅ | |
| 5 | Letter issued by the National Population Register containing details of name, address. | ✅ | ✅ | |
| 6 | Proof of possession of Aadhaar Number (to be obtained voluntarily) | ✅ | ✅ |
A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.
| Processing Fees & Charges | |
|---|---|
| Processing fee/Loan processing charge (non-refundable) | Salaried / Self employed Professional Upto 0.50% of the loan amount or Rs. 4,000/- whichever is higher, plus applicable taxes. For Self-Employed Non-Professionals: Upto 1.50% of the loan amount or Rs. 5,000/- whichever is higher, plus applicable taxes. For NRI Loans Upto 1.50% of the Loan amount or Rs. 4,000/- whichever is higher + applicable taxes / statutory levies and charges. For Value Plus Loans Upto 1.50% of the Loan amount or Rs. 5000/- whichever is higher + applicable taxes / statutory levies and charges. For HDFC Reach Scheme Upto 2.00% of the loan amount+ applicable taxes / statutory levies. Processing Fee is non-refundable in nature |
| Re-Appraisal Of Loan After 6 Months From Sanction(applicable for housing and non-housing) | Salaried / Self employed Professional- Upto Rs. 3300/- For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme/- Upto Rs. 5000 |
| Conversion of ROI from floating to fixed(who have availed EMI based floating rate Personal Loans)*Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”. | Upto Rs. 3000/- |
| List Of Documents (For issuance of duplicate LOD post disburserment) | Upto Rs.500/- |
| Photocopy of Documents | Upto Rs. 500/- |
| Repayment Mode Change Charges | Upto Rs.500/- |
| Stamp Duty & Statutory / Regulatory Charges | At actual |
| Incidental Charges | At actual |
| Cersai Charges | At actual (upto Rs.100/-) |
| Mortgage Guarantee | At actual |
| Administrative Charges | Upto Rs.5000/- plus applicable taxes |
| Other penal charges, if any | |
| Non Compliance of sanction / agreed Terms | Upto 2% charges per annum on principal outstanding for non compliance of agreed terms upto its fulfillment - (Charged on monthly basis) Subject to a Max of Rs 50000/- for Critical security related deferrals Max of Rs 25000/- for other deferrals |
| Conversion Fees/Charges | For Home Loan, HL Top UP & Plot Equity loan (Switch to lower rate in Variable rate loans ) Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or Rs 3000 (which ever is lower ) for 1st Conversion with charges. , for Subsequent conversions charges would be Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion OR Rs 2000 ( which ever is lower ) . Switch from Combination rate home loan under fixed rate term/Fixed rate loan to Variable rate – Upto 1.50% of the Principal Outstanding |
| Payment Return Charges | Rs. 450/- |
| Premature closure charges | • Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest – Nil • Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest - 2% plus applicable taxes/statutory except when part or full prepayment is being made through own sources |
| Property Document Retention charges | Rs. 1000 per calendar month, after 2 calendar months from date of closure of all loans/facilities linked to the collateral |
Own Sources: *the expression "own sources" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution.
The Borrower will be required to submit such documents that HDFC may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan.
1. All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable.
2. 10% discount to senior citizens on all the service charges
3. Service charges/Fees/Commissions may be revised with approval of Business Head in case of regulatory requirement.
4. NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to Rs. 50 Lakh availed by Micro & Small Enterprises.
5. NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal
6. Interest rate of 18% p.a. will be levied on the amount utilized above the Operating Limit of overdraft facility. (Applicable for DOD facility only).
7. Penal Charges will be realised on cash basis
8. Interest will be charged on unpaid EMI for the number of days EMI is late. This interest is calculated @ loan’s contracted rate and will be added to next EMI.
9. The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan
10. Processing fee, administrative fee, stamp duty, cersai fee and all other charges are non refundable
In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to you through a payment reminder communication and any change in details would be intimated to you thereon. List of authorised associates empanelled for handling collections are updated on the banks website for reference.
| Other Charges | |
|---|---|
| Incidental Charges | Incidental charges and expenses are levied to cover the cost, charges, expense and other monies as per actuals applicable to a case. |
| Stamp Duty/ MOD/ MOE/ Registration | As applicable in the respective States. |
| Fees/Charges levied by Regulatory /government entities such as CERSAI | As per actual charges/ fee levied by Regulatory bodies + applicable taxes/ statutory levies |
| Fees/Charges levied by such third parties such as mortgage guarantee company | As per actual fee/ charges levied by any third party(ies) + applicable taxes/ statutory levies |
• 10% discount to senior citizens on all the service charges
Loan Processing Charges*
Maximum of 1% of loan amount (* Minimum PF of Rs.7500/-)
Home loan eligibility is primarily dependent on income and repaying capacity. Other important factors include the customer’s profile, age at loan maturity, age of property at loan maturity, investment and savings history etc.
| Important Factor | Criteria |
|---|---|
Age | 18-70 years |
Profession | Salaried / Self Employed |
Nationality | Resident Indian |
Tenure | Up to 30 years |
| Self-Employed Professional | Self Employed Non-Professional (senp) |
|---|---|
| Doctor, Lawyer, Chartered Accountant, Architect, Consultant, Engineer, Company Secretary etc. | Trader, Commission Agent, Contractor etc. |
| Higher loan eligibility with an earning co-applicant. |
*All co-applicants need not be co-owners. But all co-owners need to be co-applicants to the loans. Generally, co-applicants are close family members.
Maximum Funding** | |
|---|---|
Loans up to and including ₹30 lacs | 90% of the property cost |
Loans from ₹30.01 lacs to ₹75 lacs | 80% of the property cost |
Loans above ₹75 lacs | 75% of the property cost |
**Subject to market value of the property and repayment capacity of the customer, as assessed by HDFC Bank.
Home loan is a form of secured loan that is availed by a customer to purchase a house. The property can be an under-construction or a ready property from a developer, purchase of a resale property, to construct a housing unit on a plot of land, to make improvements and extensions to an already existing house and to transfer your existing loan availed from another financial institution to HDFC Bank. A housing loan is repaid through equated monthly installments (EMI) which consists of a portion of the principal borrowed and the interest accrued on the same.
Home Loans for purchase of a flat, row house, bungalow from private developers in approved projects.
Home Loans for purchase of properties from Development Authorities such as DDA, MHADA etc.
Loans for purchase of properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built-up homes.
Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority.
Expert legal and technical counselling to help you make the right home buying decision.
Integrated Home Finance branch network for availing and servicing the Home Loans anywhere in India.
Special arrangement with AGIF for Home Loans for those employed in the Indian Army. To know more, click here
Rates Offered to Customer (FY26 Q3 data) | ||||||
| Segment | IRR | APR | ||||
| Min | Max | Avg | Min | Max | Avg | |
| HOUSING | 7.15 | 13.25 | 7.60 | 7.15 | 13.25 | 7.60 |
| NON - HOUSING | 7.30 | 13.75 | 8.41 | 7.30 | 13.75 | 8.41 |
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SURF offers an option where the repayment schedule is linked to the expected growth in your income. You can avail a higher amount of loan and pay lower EMIs in the initial years. Subsequently, the repayment is accelerated proportionately with the assumed increase in your income.
FLIP offers a customized solution to suit your repayment capacity which is likely to alter during the term of the loan. The loan is structured in such a way that the EMI is higher during the initial years and subsequently decreases in proportion to the income.
If you purchase an under-construction property you are generally required to service only the interest on the loan amount drawn till the final disbursement of the loan and pay EMIs thereafter. In case you wish to start principal repayment immediately you may opt to tranche the loan and start paying EMIs on the cumulative amounts disbursed.
This option provides you the flexibility to increase the EMIs every year in proportion to the increase in your income which will result in you repaying the loan much faster.
*Applicable only to salaried individuals.
Visit the HDFC Bank Home Loan section.
HDFC Bank is one of India’s leading private banks and was among the first to receive approval from the Reserve Bank of India (RBI) to set up a private sector bank in 1994.
As of March 31, 2023, the Bank had a nationwide distribution network of 7,821 branches and 19,727 ATMs / Cash Deposit & Withdrawal Machines (CDMs) across 3,811 cities / towns.HDFC Bank’s end-to-end digital home loan application process, integrated home loan branch network across the county and 24X7 online assistance can make your home owning journey a memorable one.
You can now apply for a home loan online in 4 simple steps with HDFC Bank's quick and easy apply online module.
The following points need to be kept in mind before applying for a home loan
Check your loan eligibility before starting your home loan application.
Go through the list of documents required and keep them ready before starting your home loan application process.
Be clear about the type of home loan you need (home loan, house renovation loan, plot loan, etc.)
Read the FAQs before starting your loan application process.
Make sure you provide all the details that the home loan provider will need to process your application.
It can take years to accumulate sufficient funds for buying a house. However, you don’t need to wait this long. You can simply take a home loan to purchase your dream house.
A home loan offers income tax benefit on the interest and principal repayments. You can claim tax deduction on principal repayments u/s 80C and on interest repayments u/s 24B.
Interest rates on home loan are lower than other types of loans. Availing a housing loan has become very affordable today.
Home loan providers tailor your home loan repayment to suit your requirements.
*Applicable only to salaried individuals.
Improve your credit score by creating a reasonable track record of timely repayments so that you achieve a high credit score which would improve your prospects of getting a home loan.
Avoid frequent job changes as this presents a picture of instability.
Obtain your credit report periodically, say once or twice in a year, verify the same for errors and get them rectified as and when required.
Check with the lender if the property that you have shortlisted will be considered for a housing loan. At the same time, do an independent due diligence.
Ensure that the documentation of your home loan application is in order as per the requirement of the lender.
You can take the following steps to improve your chances of getting a home loan
The benefits of applying for a home loan in present times
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Looking For A Housing Loan? Know About The Various Kinds Of Loans Available.
HDFC | Claim The Freedom
Tailor-made Repayment Schemes
Be Anywhere, Buy Anywhere and Pay Anywhere
Online Access to your Home Loan Account
Security
Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank.
Other Conditions
All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC Bank’s products and services. For detailed information about HDFC Bank’s products and services kindly visit the nearest HDFC Bank branch.
Click here for the Most Important Terms and Conditions pertaining to your loan.
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