HDFC Bank currently offers home loans with interest rates ranging from approximately 7.75% to 13.20% per annum, based on factors like credit score, income stability, and loan tenure. Applicants with a stronger credit history typically secure lower rates. Both fixed and floating rate options are available, and female borrowers may receive a slightly reduced interest rate compared to others.
What is the Current HDFC Housing Loan Interest Rate?
Lowest starting rate is around 7.75% p.a. for well-qualified applicants.
Rates can extend up to 13.20% p.a. based on risk profile.
Adjustable Rate Home Loan (ARHL) is linked to the Policy Repo Rate.
TruFixed Loan offers a fixed rate for the initial two years.
Women borrowers often receive a slight interest rate concession.
Rates differ for home loans, balance transfers, and home extension loans.
Current applicable Repo Rate stands at 5.25%, influencing floating rates.
Final rate depends on credit score, income, and loan tenure.
What Factors Affect Your HDFC Housing Loan Interest Rate?
Your applicable interest rate depends largely on your credit score, with 750+ scores unlocking the lowest rates. Income stability, loan amount, employment type, and property location also play a role. Choosing between floating and fixed-rate options, along with the loan tenure selected, further influences the final rate offered by HDFC Bank.
I hope you understood HDFC housing loan interest rate.
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What is the HDFC Housing Loan Interest Rate?
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2026-09-07T15:24:09+00:00 2026-09-07T16:30:30+00:00Comment
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