Rural Housing Loan Interest Rates
All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.50%
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Salaried
*The above Home Loan interest rates/EMI are applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest Rate) of HDFC Bank and are subject to change at the time of disbursement. The Home Loan interest rates above are linked to HDFC Bank's Repo Rate and are variable throughout the tenor of the loan. All loans are at the sole discretion of HDFC Bank. For further details regarding the loan slabs and interest rates above, Click Here
*HDFC BANK does not source any Home Loan business from any Lending Service Providers (LSPs).
What’s in store for you?
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Attributes
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Flexible Home Financing
Wondering if You Are Eligible?
Documents to get you started
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Salaried
Frequently Asked Questions
Rural Housing Finance provides loans and financial support to individuals in rural areas, enabling them to buy, build, or improve homes, fostering better living conditions and community development.
For a Rural Home Loan with HDFC Bank, you must furnish documents such as a PAN Card or Form 60, proof of identity and residence, income documents, and other requirements like bank statements and property documents.
Yes, farmers are eligible for Housing Loans. The eligibility is based on factors such as monthly income, age, credit score, and other financial obligations.
Rural Housing service loans offer lower interest rates, longer repayment terms, and reduced down payments. They also support community development by making homeownership more accessible and affordable in rural areas.
Here are some of the notable features of HDFC Bank’s Rural Housing Loans:
- You can utilise the funds to extend or add space to your home
- For Agriculturists, no mortgage of agricultural land is required to avail of the Home Loan
- Agriculturists get a longer tenure of 20 years
- Agriculturists do not have a mandatory Income Tax Returns requirement
- You get customised repayment options
To apply for an HDFC Bank Rural Housing Loan, go to the official website, navigate to the ‘Home Loans’ tab, select ‘Rural Housing Loan,’ and click on ‘Apply Online’.
More about Top-up Loans
Here are some of the notable features of HDFC Bank’s Rural Housing Loans:
You can utilise the funds to extend or add space to your home
For Agriculturists, no mortgage of agricultural land is required to avail of the Home Loan
Agriculturists get a longer tenure of 20 years
Agriculturists do not have a mandatory Income Tax Returns requirement
You get customised repayment options
Rural Housing service loans offer lower interest rates, longer repayment terms, and reduced down payments. They also support community development by making homeownership more accessible and affordable in rural areas.
To apply for an HDFC Bank Rural Housing Loan, go to the official website, navigate to the ‘Home Loans’ tab, select ‘Rural Housing Loan,’ and click on ‘Apply Online’.
Security
Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank.
All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC Bank's products and services. For detailed information about HDFC Bank's products and services kindly visit the nearest HDFC Bank branch.
Click here for the Terms and Conditions pertaining to your loan.
Accessible housing loans for rural communities