HDFC Bank Home Loans are special that are aimed at women, promoting them to pursue their dream of owning a home. To learn more about these loans, one should explore the eligibility criteria, interest rates, required documents, and various schemes related to HDFC Bank home loans.

HDFC Bank also extends its home loan services to fresh graduates who have just started their careers. The company assesses these loans based on their current salaries and educational certificates, allowing these new employees to secure a loan without the usual requirement of having two years of work experience. This policy specifically applies to professional graduates.

HDFC Bank Home Loan Interest Rates Details 2025

Here is the table displaying the range of home loan interest rates, duration of loan tenure, maximum loan amount, and processing fees related to the home loan provided by HDFC Bank -

Types of HDFC Bank Home Loan Products

1. HDFC Bank Housing Loans
2. HDFC Home Loan Balance Transfer (HLBT)
3. HDFC Bank Rural Housing Loans
4. HDFC Bank Plot Loans
5. HDFC Home Renovation Loans
6. HDFC Home Extension Loans
7. HDFC Bank Top-up Home Loans

HDFC Bank Housing Loans

• Buying flats, bungalows, or row houses in approved projects.
• Purchasing properties from Development Authorities (e.g., MHADA, DDA).
• Buying homes in Co-operative Housing Societies or private properties.
• Constructing a house on an allotted or freehold/leasehold plot.

Loan Amount & LTV Ratio

• Up to Rs 30 lakh – Up to 90% of the property cost
• Rs.. 30.01 lakh - Rs.. 75 lakh – Up to 80%
• Above Rs.75 lakh – Up to 75%

Tenure - Up to 30 years

Processing Fees

• Salaried/Self-employed Professionals – Up to 0.50% or Rs 3,300 (whichever is higher)
• Self-employed Non-Professionals – Up to 1.50% or Rs 5,000 (whichever is higher)

HDFC Home Loan Balance Transfer (HLBT)

Transfer your existing home loan from other banks/HFCs to HDFC Bank at lower interest rates.

Loan Amount & LTV Ratio

• Up to Rs. 30 lakh – Up to 90% of the property cost
• Rs.. 30.01 lakh - Rs.. 75 lakh – Up to 80%
• Above Rs.75 lakh – Up to 75%

Tenure - Up to 30 years

Processing Fees

• Salaried/Self-employed Professionals – Up to 0.50% or Rs 3,300 (whichever is higher)
• Agriculturists/Self-employed Non-Professionals – Up to 1.50% or Rs 5,000 (whichever is higher)

HDFC Bank Rural Housing Loan

HDFC Bank offers home loans for rural areas, not just urban and semi-urban regions. Available to agriculturists, salaried, and self-employed individuals, the loan can be used to buy, construct, extend, or improve homes in rural locations, including new, resale, and under-construction properties.

Tenure & Processing Fees

• Tenure: Up to 15 years
• Processing Fees:
  • Salaried/Self-employed Professionals – Up to 0.50% or Rs 3,300 (whichever is higher)
  • Self-employed Non-Professionals – Up to 1.50% or Rs 5,000 (whichever is higher)

HDFC Bank Plot Loans

 Finance the purchase of a plot through direct allotment or resale.

Loan Amount & LTV Ratio

• Up to Rs. 30 lakh – Up to 80% of the property cost
• Rs.. 30.01 lakh - Rs.. 75 lakh – Up to 80%
• Above Rs.75 lakh – Up to 75%

Tenure - Up to 15 years

Processing Fees

• Salaried/Self-employed Professionals – Up to 0.50% or Rs 3,300 (whichever is higher)
• Self-employed Non-Professionals – Up to 1.50% or Rs 5,000 (whichever is higher)

HDFC Home Renovation Loans

Avail a loan for home improvements like tiling, flooring, painting, and plastering of existing homes.

Loan Amount & LTV Ratio -

For Existing Customers:

• Up to Rs 30 lakh – 100% of renovation cost
• Rs.30.01 lakh - Rs.75 lakh – 100%
• Above Rs. 75 lakh – 100%

For New Customers:

• Up to Rs 30 lakh – 90% of the renovation cost
• Rs.30.01 lakh - Rs.75 lakh – 80%
• Above Rs..75 lakh – 75%

Tenure -Up to 15 years

Processing Fees

• Salaried/Self-employed Professionals – Up to 0.50% or Rs 3,300 (whichever is higher)
• Self-employed Non-Professionals – Up to 1.50% or Rs 5,000 (whichever is higher)

HDFC Home Extension Loans

Get financing to add more space to your existing home.

Loan Amount & LTV Ratio

• Up to Rs 30 lakh – 90% of the extension cost

• Rs.30.01 lakh - Rs.75 lakh – 80%

• Above Rs...5 lakh – 75%

Tenure - Up to 20 years

Processing Fees

• Salaried/Self-employed Professionals – Up to 0.50% or Rs 3,300 (whichever is higher)

• Self-employed Non-Professionals – Up to 1.50% or Rs 5,000 (whichever is higher)

HDFC Bank Top-up Home Loans

Get an additional loan on your existing home loan for personal or professional needs.

Loan Amount -Up to Rs 1 crore

LTV Ratio (Including Outstanding + Top-up Loan)

• Up to Rs. 75 lakh – Up to 80%

• Above Rs.75 lakh – Up to 75%

Tenure - Up to 15 years

Processing Fees

• Salaried/Self-employed Professionals – Up to 0.50% or Rs 3,300 (whichever is higher)
• Self-employed Non-Professionals – Up to 1.50% or Rs 5,000 (whichever is higher)

HDFC Bank Home Loan Eligibility Criteria

HDFC Bank offers home loans based on age, income, profession, and financial profile. Eligibility is also influenced by credit score, monthly income, and EMI/NMI ratio.

Basic Eligibility Criteria

• Age: 18 to 70 years
• Profession:
  • Salaried
  • Self-employed Professionals – Doctors, lawyers, engineers, CAs, architects, consultants, CS
  • Self-employed Non-Professionals – Commission agents, contractors, traders
• Minimum Income:
  • Salaried – Rs 10,000 per month
  • Self-employed – Rs 2 lakh per annum

Documents Required For HDFC Bank Home Loan

The list of documents required by Salaried and Self-Employed applicants -

Mandatory Documents -

• PAN Card or Form 60

Accepted Officially Valid Documents (OVD) for verifying legal name and current address (submit any one) -

• Valid Passport
• Valid Driving License
• Voter ID
• NREGA Job Card (signed by a State Govt. officer)
• NPR Letter with name & address, or Aadhaar Proof.

Income Documents Required By Salaried - 

• Salary Slips (last 3 months)
• Bank Statements (last 6 months) showing salary credits
• Latest Form-16 and IT Returns

Income Documents Required By Self-Employed Professional & Self-Employed Non-Professional

• Income Tax Returns with income computation for the last 2 assessment years (for both individual & business, CA attested)
• Balance Sheet & Profit & Loss Statements (last 2 years) with Annexures/Schedules (for both individual & business, CA attested)
• Last 12 months' Current Account Statements (business) & Savings Account Statements (individual)

Property Documents Required By Salaried, Self-Employed Professional, & Self-Employed Non-Professional

For the Purchase of a New Home

• Copy of Allotment Letter / Buyer Agreement
• Payment Receipts to the Developer

For Purchase of a Resale Home

• Title Deeds with property chain documents
• Initial Payment Receipts to the Seller
• Copy of Sale Agreement (if executed)

For Constructing a Home on an N.A. Plot

• Title Deeds of the Plot
• No Encumbrance Proof
• Approved Plans from Local Authorities
• Construction Estimate by Architect/Civil Engineer

Additional Documents for HDFC Rural Housing Loan

Income Proof

• Last 6 months' bank statement
• Title documents of agricultural land showing landholding and crops cultivated.

Other Documents

• Last 6 months' bank statement showing loan repayment history
• Signed passport-size photographs
• Proof of own contribution
• Cheque for processing fee payable to HDFC Bank Ltd.
• Loan statements of the past 2 years. 

Documents Required for HDFC Home Loan Balance Transfer

• A letter from the existing lender listing the property documents held
• Photocopy of property documents
• A letter from the existing financial institution stating the latest outstanding balance. 

How to Calculate HDFC Bank Home Loan EMI?

You can calculate your monthly EMIs with the help of the Wishfin HDFC Bank home loan Calculator and see if they are within your budget or not. Look at an example given below:

Fee/Charges of HDFC Bank Home Loan

The table shows you the additional fees/charges levied upon the HDFC Bank home loan in addition to the HDFC Bank Home Loan interest rates. Make sure to check them too, before applying for the same. 

HDFC Bank Home Loan Purposes

HDFC Bank offers home loans for:

• New Home Purchase – Buy a newly constructed property.
• Resale Home Purchase – Purchase a pre-owned property.
• Home Construction – Build a house on an owned plot.
• Balance Transfer – Transfer an existing home loan from another lender to HDFC Bank.
• Plot Purchase – Buy a plot with plans to construct a home.

Unique Features of HDFC Bank Home Loans

• Expert Advice: Applicants can benefit from free expert advice to help choose the right property.
• Over-the-Counter Assistance: Expert counseling is available to ensure a hassle-free property purchase process.
• Property Assistance: HDFC Bank Realty’s website offers comprehensive property assistance services, serving as a one-stop destination for property-related advice.
• Special Pari Passu Arrangement: Through the Army Group Insurance Fund (AGIF), Army personnel can avail of additional loan options
• Home Loans for Properties Across India: Applicants can buy properties from any location in India.
• Pre-Approval of Home Loans: Home loans can be approved even before the property selection process.
• Home Loan Mobile: The HDFC Bank mobile app simplifies the home loan application process for applicants.
• Complete Online Accessibility of All Home Loans: Applicants can access their home loan account online, helping them make informed decisions about their loans.
• Tailor-Made Easy EMI Schemes: HDFC Bank offers flexible payment plans, such as Step Up and FLIP, in addition to the regular EMI scheme.
• Monitoring and Operating the Loan from Anywhere: HDFC’s interconnected branch network allows applicants to pay their monthly instalments and manage their loan account from anywhere.
• Add-On Loans on a Single Property: Existing home loan borrowers can obtain home extension loans, home improvement loans, top-up loans, or loans against property, provided the total exposure on the property does not exceed the limit set by the housing finance company from time to time. No additional security is required for these loans.
• Loans on Second Mortgage to PSU and Central Government Employees: Additional loan facilities are available for Central Government and Public Sector Unit employees who need extra funds for their home loan requirements after availing the House Building Advance.
• Door-Step Assistance: HDFC Bank sales executives offer doorstep services to customers for their convenience.

How can you repay HDFC Bank Home Loan?

HDFC Bank provides a variety of repayment options to accommodate borrowers’ unique circumstances and preferences. The following are some of the home loan repayment methods available:

• Step Up Repayment Facility (SURF): Designed with the borrower’s anticipated income growth in mind, this facility allows the borrower to take a higher loan amount in the initial years while paying lower EMIs.
• Flexible Loan Installments Plan (FLIP): This plan offers a customized solution that caters to the borrower’s repayment capacity, which is likely to fluctuate over the term of the loan.
• Tranche-Based EMI: With this arrangement, borrowers can begin principal repayment immediately and start paying EMIs on the cumulative amounts disbursed.
• Accelerated Repayment Scheme: This scheme allows for the flexibility of incrementally increasing the EMIs each year by the borrower’s financial growth. .
• Telescopic Repayment Option: This option provides borrowers with an extended repayment tenure of up to 30 years, resulting in more affordable EMIs and enhanced loan.

How can you check HDFC Bank Home Loan application status?

To keep a track of your HDFC Bank home loan application, you can do the same by contacting the executive for your home loan. Otherwise, when you apply for a home loan through Wishfin, you get one-to-one assistance. You can also check the status with the same.

HDFC Bank Home Loan Customer Care

The customer care number is different for different cities. You can check the contact number of your city and forward your query to the concerned individual. Also, if you apply through Wishfin, you can contact the executive for any HDFC Bank home loan related query. The executive will look to resolve it as soon as possible.

• 1800 210 0018 (Toll-Free)

Conclusion

HDFC Bank Home Loans offer a comprehensive range of financing options to meet diverse housing needs, from purchasing and constructing homes to renovating and extending existing properties. With competitive interest rates, flexible repayment tenures, and high loan-to-value (LTV) ratios, HDFC Bank ensures accessibility and affordability for borrowers. Whether you’re a salaried individual, self-employed professional, or agriculturist, the bank provides customized solutions with minimal documentation and quick approvals. 

FREQUENTLY ASKED QUESTIONS

1. What is the latest HDFC Bank Home Loan interest rate?

2. What is the maximum home loan tenure in HDFC Bank?

3. How long does it take for an HDFC Bank home loan?

4. What is the latest HDFC Bank home loan processing fee?

5. What is the minimum CIBIL score for an HDFC Bank home loan?

6. What is the minimum HDFC Home Loan amount you can get?

7. What is the maximum limit of HDFC Bank housing loans?

HDFC Bank Important Links: https://www.hdfcbank.com/personal/useful-links/important-messages/product-features-and-policy