Housing Loan

What’s in store for you

Types of Housing Loans

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Housing Loan Products

Housing Loan Interest Rates

All rates are benchmarked to the Repo Rate. Current applicable Repo Rate = 5.50%

Interest Rates (% p.a.)

Policy Repo Rate + 2.40% to 7.70%

7.90* % to 13.20* %

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*Terms and Conditions Apply

Home Loan EMI Calculator

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0.5% PA 15% PA
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Amount Payable

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Document checklist for loan disbursement process

Know More About Housing Loans

  • Attractive interest rates with fixed and floating options

  • Flexible repayment tenure up to 15 years

  • High loan amounts based on property value and income

  • Quick processing and disbursement

  • No penalty for prepayment or foreclosure on floating-rate loans

  • Tax benefits on interest (Section 24(b)) and principal (Section 80C)

  • Balance transfer facility from other banks

  • Simplified documentation process

  • Loans for residential properties, under construction, and ready-to-move-in homes

  • Convenient online application and tracking

  • Dedicated customer support throughout the process

Whether you are looking to purchase a new apartment from a developer or a resale property, HDFC Bank has the perfect type of Housing Loan for you. We also provide loans for the purchase of plots and construction thereon. If you wish to renovate your existing house or add more floors/rooms, our home improvement and home extension loans are designed just for that.  

HDFC Bank Housing Loan offers speedy disbursal along with doorstep services. Apart from this, the balance transfer facility, wide range of loans and competitive interest rates are the other features of an HDFC Bank Housing Loan.  

We believe in supporting every individual's dream of owning a home. That's why we have special products like the HDFC Bank Reach Housing Loan, which is specifically designed for individuals who work in the unorganised sector. Our unique appraisal methodology ensures that even those who don't have traditional income proofs can now make their dream of owning a home a reality.

You can apply for a HDFC Bank Housing Loan by visiting the nearest Bank Branch or simply by logging onto the HDFC Bank website. You can click here to apply online. 

Buying a house is a significant decision that requires careful planning and consideration. At HDFC Bank, we understand that your dream home plays a crucial role in your family's well-being. That's why we offer a wide range of Housing Loans to cater to the varied needs of different consumers.

Frequently Asked Questions  

The maximum Housing Loan amount depends on various factors such as your income, repayment capacity, and the value of the property. To know your eligibility, please visit our official website or contact our customer service. 

The EMI (Equated Monthly Installment) for your Housing Loan starts after the disbursal of the loan amount. You will receive a repayment schedule with details regarding your EMIs.

Housing Loan prepayment refers to making additional repayments towards your loan amount before the scheduled tenure. This helps in reducing your outstanding principal amount, which in turn reduces the interest burden on your loan. HDFC Bank offers prepayment options with minimal charges.

Get the home of your dreams—apply now for easy financing!

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