HDFC Home Loan

Interest rate starting at 8.40%*

Nil prepayment charges for floating rates

Counseling by legal and technical experts

Up to Rs. 5,000* cashback

Affordable and attractive interest rates

MyLoanCare Assurance Delivery in 1100+ cities

HDFC Home Loan – Key Features

Interest Rate 8.50% *
Lowest EMI Rs. 769 per lakh
Loan Tenure From 5 years to 30 years
Loan Amount Min Rs. 15 Lakh and Max Rs. 10 Cr
Processing Fee 0.50% of loan amount Minimum Rs. 10,000 Maximum Rs. 10,000 with applicable tax
Age Min 24 years and Max 60 years
Prepayment, Foreclosure Charges Allowed with Nil charges for floating rate loans

*Conditions Apply

Maximum Annual Percentage Rate (APR) 8.5% to 12.3%
Representative example of the total cost of the loan, including all applicable fees
Here is an illustration of the total cost of the loan:
  • Total amount borrowed: Rs. 1 Lakh
  • Time period: 5 years to 30 years
  • HDFC Home Loan Interest Rate: 8.50% to 12.30%
  • Processing Fee payable to HDFC: Upto Rs. 10,000. Current offer for processing fee is Upto 0.50%
    Minimum Rs. 10,000 Maximum Rs. 10,000
  • Fee payable to MyLoanCare: NIL
  • Total Monthly Cost – From Rs. 769 for a 30 years Rs. 1 Lakh loan at 8.50% (lowest rate, longest time period) to Rs. 2,240 for a 5 years Rs. 1 Lakh loan at 12.30% (highest rate, shortest time period). This is inclusive of principal repayment.
  • Annual Percentage Rate (APR) of charge including all applicable fees: 8.5% to 12.3%
  • Total cost payable over loan tenure: Rs. 44,378 for 5 years loan to Rs. 1.87 Lakh for 30 years loan

HDFC’s terms and conditions as per loan agreement applicable. Short term loans/ pay day loans not available; minimum loan tenure: 5 years. Rate of interest depends upon income, job stability, loan amount, CIBIL score, credit profile, existing obligations, verification and other factors. Credit at sole discretion of HDFC.

*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. MyLoanCare is an independent professional service provider and is not related to the government or government bodies or any regulator or any credit information bureau in any way. Information carried at this website is not and should not be construed as an offer or solicitation or invitation to borrow or lend. The Company does not undertake any liability with respect to the correctness of the content, information and calculations. Information is subject to change without notice. By submitting your query or using any tools or calculators, you authorize MyLoanCare to share your information with lender(s), consent for such lender(s) to access your credit information report and contact you regarding your query overriding your number being in National Do Not Call Registry. This is a free service and no charges are payable by the borrower to MyLoanCare. The Company may receive remuneration from lenders for services provided to them.
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