HDFC Bank Home Loan-2025
HDFC Bank home loans offer customized financial solutions with attractive interest rates and quick approvals. Whether you’re buying, constructing, or renovating your home, HDFC Bank ensures a smooth, affordable, and hassle-free home loan experience.
HDFC Bank Home Loan-2025
Welcome to this detailed guide on HDFC Home Loan, offered by one of India’s most trusted financial institutions. HDFC Bank provides a wide range of home loan options designed to meet the unique needs of salaried employees, self-employed professionals, and NRIs.
With competitive HDFC home loan rates, flexible repayment options, and quick approvals, HDFC ensures a smooth and reliable borrowing experience. In this guide, you’ll find everything you need to know — from HDFC home loan interest rates and eligibility criteria to the application process — helping you make an informed decision for your dream home.
HDFC Bank Home Loan Interest Rates
HDFC Bank offers attractive home loan interest rates starting from 7.90% p.a., making it easier for customers to own their dream homes. Although HDFC Bank hasn’t specified detailed slabs based on factors like credit score, income, or occupation, these elements typically influence the HDFC home loan rate offered to applicants.
Below is a quick overview of the interest rates for different HDFC Bank home loan products:
1. HDFC Bank Home Loan Rate
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Interest Rate: Starts from 7.90% p.a.
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Applicable for: Home purchase, construction, renovation, or balance transfer
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Note: Actual rate depends on credit profile, income, and repayment history.
2. HDFC Bank Top-Up Home Loan Interest Rate
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Interest Rate: Starts from 8.15% p.a.
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Applicable for: Existing HDFC home loan borrowers seeking additional funds for personal or housing needs
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Note: Credit score and repayment behavior play a role in determining the final rate.
HDFC Rural Housing Loan Interest Rate
| Loan Slab | Interest Rate (p.a.) |
| For all loan amounts | 8.40% – 13.20% |
With flexible terms and competitive HDFC Bank home loan rates, borrowers can easily choose a plan that fits their financial goals.
HDFC Bank Home Loan Rates vs Other Top Lenders:
| Name of Lender | Loans up to ₹30 Lakh | Loans ₹30 Lakh – ₹75 Lakh | Loans above ₹75 Lakh |
| Bank of India | 7.45% – 10.10% p.a. | 7.45% – 10.10% p.a. | 7.45% – 10.35% p.a. |
| State Bank of India | 7.50% – 8.95% p.a | 7.50% – 8.95% p.a | 7.50% – 8.95% p.a |
| Punjab National Bank | 7.50% – 9.35% p.a. | 7.50% – 9.25% p.a. | 7.50% – 9.25% p.a. |
| Canara Bank | 7.50% – 10.25% p.a. | 7.45% – 10.25% p.a. | 7.40% – 10.15% p.a. |
| HDFC Bank | 7.90% p.a. onwards | 7.90% p.a. onwards | 7.90% p.a. onwards |
| Bajaj Housing Finance | 7.45% p.a. onwards | 7.45% p.a. onwards | 7.45% p.a. onwards |
| ICICI Bank | 7.70% p.a. onwards | 7.70% p.a. onwards | 7.70% p.a. onwards |
| Axis Bank | 8.35% – 11.90% p.a. | 8.35% – 11.90% p.a. | 8.35% – 9.35% p.a. |
| Federal Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Kotak Mahindra Bank | 7.99% p.a. onwards | 7.99% p.a. onwards | 7.99% p.a. onwards |
| IDFC FIRST Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards |
| IDBI Bank | 7.65% p.a. onwards | 7.65% p.a. onwards | 7.65% p.a. onwards |
| RBL Bank | 8.20% p.a. onwards | 8.20% p.a. onwards | 8.20% p.a. onwards |
| PNB Housing Finance | 8.25% – 11.50% p.a. | 8.25% – 11.50% p.a. | 8.25% – 10.85% p.a. |
Key Features of HDFC Bank Home Loan
1. Interest Rate Based on Credit Score
HDFC determines home loan interest rates based on the applicant’s credit score. Borrowers with a higher credit score receive lower interest rates, making repayment more manageable. Interest rates start at 7.60% for applicants with a credit score of 800 or above and go up to 8.60% for those between 700-729.
2. Maximum Funding Percentage
HDFC provides funding for home loans as per the following criteria:
- Loans up to ₹30 Lakh: Maximum funding of up to 90%
- Loans between ₹30 Lakh and ₹75 Lakh: Maximum funding of up to 80%
- Loans above ₹75 Lakh: Maximum funding of up to 75%
3. City-Wise Maximum Funding Percentages
HDFC provides home loan funding in multiple cities with different funding limits:
- Hyderabad: Maximum funding of 90% for home loans up to ₹30 Lakh, 80% for ₹30–75 Lakh, and 75% for loans exceeding ₹75 Lakh.
- Bangalore: Eligible applicants can avail 90% funding for home loans up to ₹30 Lakh, 80% for ₹30–75 Lakh, and 75% for loans above ₹75 Lakh.
- Mumbai: Similar funding criteria apply, with a maximum of 90% for loans up to ₹30 Lakh, 80% for mid-range loans between ₹30–75 Lakh, and 75% for high-value loans above ₹75 Lakh.
- Pune: HDFC offers up to 90% funding for loans up to ₹30 Lakh, 80% for loans between ₹30–75 Lakh, and 75% for loans exceeding ₹75 Lakh.
- Chennai: Borrowers can receive up to 90% funding for home loans up to ₹30 Lakh, 80% for ₹30–75 Lakh, and 75% for loans above ₹75 Lakh.
- Delhi: The funding structure remains the same 90% for loans up to ₹30 Lakh, 80% for loans from ₹30–75 Lakh, and 75% for loans exceeding ₹75 Lakh.
4. Processing Fees and Other Charges
HDFC levies processing fees and other charges for home loan applications, including:
- Processing Fee: ₹3,540/-.
- Legal Fees: ₹5,900/-.
- Technical Fees: Charges applicable as per the loan assessment.
- MODT (Memorandum of Deposit of Title Deed): 0.50% applicable on all loans.
- MODT for Mumbai & Pune: 0.30% applicable for specific locations.
- NOI (Mumbai & Pune): 0.5% of the loan amount, with a maximum cap of ₹17,500/-.
HDFC Bank Home Loan Details
HDFC Bank is well-known for its home loans that come with attractive features and flexible options, ensuring a smooth and affordable home-buying experience. Let’s explore the key details of HDFC Bank Home Loans:
- Interest Rate: HDFC Bank home loan interest rates are competitive compared to other banks, making them more affordable for borrowers.
- Loan Amount: HDFC Bank offers a wide range of loan amounts based on eligibility criteria to suit individual requirements.
- Processing Fees: HDFC Bank charges nominal processing fees for home loan applications, keeping them reasonable for borrowers.
- Prepayment/Foreclosure Charges: HDFC Bank allows borrowers to make prepayments or foreclose their home loans with minimal charges.
- Maximum Tenure: HDFC Bank offers extended tenures for home loans, making repayment easier over a longer period.
- Rate Packages Available: HDFC Bank caters to diverse preferences by offering various rate packages, including fixed rates, floating rates, and hybrid options.
HDFC Home Loan Eligibility
Certain criteria must be met to be eligible for an HDFC Bank Home Loan. The HDFC home loan eligibility requirements may vary based on the loan scheme and applicant type. Here are some key factors considered by HDFC Bank for home loan eligibility:
| Eligibility Factor | Details |
| Age | Minimum: 18 years
Maximum: Up to 70 years (based on repayment capacity) |
| Income | Stable income is essential; the loan amount depends on repayment ability |
| Employment Type | Applicable for Salaried, Self-employed, and Professionals |
| Credit Score | A good credit score improves approval chances and may fetch better rates |
| Property Documents | Property must comply with HDFC’s legal and technical due diligence criteria |
Meeting the HDFC home loan eligibility criteria increases the likelihood of getting your HDFC Bank Home Loan approved.
Documents Required for HDFC Bank Home Loan Application
When applying for an HDFC Bank Home Loan, you need to submit certain documents. The documentation requirements may vary based on the applicant type and loan scheme. Here are some common documents required:
| Category | Accepted Documents |
| 1. Identity Proof |
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| 2. Address Proof |
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| 3. Income Proof |
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| 4. Property Documents |
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| 5. Other Documents |
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Submitting accurate and complete documents is crucial for a smooth loan application process.
How to Apply for an HDFC Home Loan
Applying for an HDFC Bank home loan is simple and can be done online in a few easy steps:
- Visit the Official Website: Go to the HDFC home loan bank website.
- Start Your Application: Click on ‘Apply for HDFC Home Loan’.
- Check Eligibility: Use the HDFC home loan apply section to check your eligible loan amount.
- Select Loan Type: Choose the type of loan you need – home loan, home renovation loan, plot loan, etc. Click on the link beside each type for more details.
- Property Details: If you have shortlisted a property, click ‘Yes’ and enter details like city, state, and estimated property cost. If your property is not yet decided, click ‘No’.
- Applicant Details: Enter your personal information:Name, residential status, city, state, gender, age, occupation, mobile number, email ID, gross monthly income, and existing EMIs (if any).
- You can also add up to 8 co-applicants.
- View Loan Offers: Under the ‘Offers’ section, you’ll see:
- Eligible loan amount
- Loan tenure
- EMI payable
- HDFC bank home loan rate (fixed or floating)
- Loan product options
- Complete Application Form: Select the loan product of your choice. Pre-filled details will appear; fill in any remaining information such as date of birth and set a password. Click ‘Submit’.
- Upload Documents: Submit all necessary documents for verification.
- Pay Processing Fee: Complete your payment, and your HDFC home loan apply process is finished.
This process ensures a quick, seamless experience for applying for an HDFC Bank home loan at competitive HDFC home loan rates.
HDFC Bank Home Loan Customer Care
If you have any queries or require assistance regarding HDFC Home Loan, you can contact their customer care team. Here are the contact details for HDFC Bank Home Loan Customer Care:
| Toll-Free Number | +91 9289200017 |
Feel free to contact them for any information or support related to your HDFC Housing Loan journey.
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With NoBroker, you not only find your ideal home but also get the best home loan support — all in one place, without extra costs.
Conclusion
Take advantage of HDFC Housing loan offerings, which include competitive interest rates, flexible loan options, and a wide range of schemes, to fulfil your dream of owning a home. This blog has provided insights into HDFC Bank’s home loan details, interest rates, eligibility requirements, the application process, and customer care contacts. Utilize this information and embark on your journey to homeownership with HDFC Bank Home Loans.
