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HDFC Ltd Home Loan

Purchasing a house is one of the greatest and most important decisions of a lifetime. If you want to build your own house, you can avail of a loan for the purchase of a plot and building thereon. HDFC offers a broad range of housing loans to cater to the diverse requirements of different sets of buyers. HDFC Ltd. Home Loan gives the loan to the salaried individual who requires funds to purchase a house, home renovation and home extension etc. 

HDFC Housing loan rate of interest is best in the market. HDFC Ltd. gives home loans with low EMIs starting from Rs. 734 per lac and interest rates starting from 8.00%* p.a. Use Home Loan EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure. Apply for Home Loans in Delhi-NCR online with LoanMoney to avail the lowest interest rates and quick approval. HDFC Home Loans are specifically designed for salaried individuals as they provide an attractive rate of interest and a longer tenure up to 30 years. 

On completion of one year of loan repayment, you can apply for a Top-Up Loan for extra funds which can be used for a variety of personal or professional needs. First-time homebuyers can benefit from the Pradhan Mantri Awas Yojana Credit Linked Subsidy Scheme and get a subsidy of up to Rs. 2.67 lakh on your home loan amount. In case you have an existing home loan, you can opt for a balance transfer to HDFC and take advantage of lower interest rates, better repayment terms and enhanced services. You can apply for a loan at your convenience, anytime, anywhere through LoanMoney website.

We also give you legal and professional counselling to assist you to make the right home buying decision. Get Your Dream Home With LoanMoney Home Loan Services With advantages such as attractive rate of interest, maximum loan amount, minimum processing fees & other charges, longer tenure, flexible EMI options and doorstep service with easy procedure of home loan, apply online for an HDFC Home Loan through LoanMoney.

  Salaried Self Employed Professional
Age 21 To 60 Years 21 To 65 Years 21 To 65 Years
Loan Amount 10 Lakh To 10 Crore 10 Lakh To 10 Crore 10 Lakh To 10 Crore
Tenure  2 To 30 Years 2 To 30 Years 2 To 30 Years
Rate of Interest / APR [Annual Percentage Rate] 6.75% to 7.50% 6.75% to 7.50% 6.75% to 7.50%
Features Maximum loan amount you can get upto 90% Maximum loan amount you can get upto 90% Maximum loan amount you can get upto 90%
Processing Fees Up to 0.50% of the Loan Amount or 3000/- Up to 0.50% of the Loan Amount or 3000/- Up to 1.50% of the loan amount or 4500/-
Special 0.05% Discount 0.05% Discount 0.05% Discount
Documentation KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.

Salaried individuals eligible for Home Loan:

  • Individuals in permanent service in the Government or reputed companies
  • Applicants should be above 21 years of age at the time of loan commencement and up to the age of 60 or superannuation, whichever is earlier at the time of loan maturity.


Self-employed individuals eligible for Home Loan:

  • Any individual filing income tax returns can apply
  • Applicants should be above 21 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity.

Professionals eligible for Home Loan:

  • Professionals (i.e., doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, management consultants only) can apply
  • Applicants above 21 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity meet our housing loan criteria.

HDFC Ltd. Home Loan Eligibility Criteria for Salaried / Self-employed

HDFC Home Loan Eligibility is dependent on factors such as your monthly income, current age, CIBIL score, fixed monthly financial obligations, credit history, company reputation, other obligations etc.

Particulars Salaried Self Employed Professional
Age(Min-Max) 21 To 60 Years 21 To 65 Years 21 To 65 Years
Minimum Income Min. 3,60,000/ p.a Min. 2,00,000/ p.a Min. 6 Lakh Receipt (ANM)
Co-applicant If Required If Required If Required
Loan Tenure 2 To 30 Years 2 To 30 Years 2 To 30 Years
Maximum Loan Amount Max. 10 Crore Max. 10 Crore Max. 10 Crore
Employment/Business Continuity Min. 1 Year Min. 3 Year Min. 3 Year
CIBIL Score Min. 600 Min. 600 Min. 600

Documents Required for Applying for Home Loan by All Applicants and Co-Applicants

  • Loan application form.
  • 3 Recently Passport size photograph.
  • Identify proof- Passport, PAN Card, Driving License, Voters ID Card
  • Residence proof- Electricity Bill, Ration Card, Telephone Bill, Employment Letter
  • Bank Account Statement/Passbook for the last 6 months.
  • Signature verification by bankers of the applicant.
  • Loan account statement(s) / Sanction letter for running loans

Documents Required for Salaried Individuals

  • 3 Months Salary Slip for salaried employees or Salary Certificate
  • Copy of last 2 years Form 16 or IT Return
  • Bank Statement for the last 6 months of the Salary Account
  • Appointment / Confirmation Letter if current job tenure is less than 1 year

Documents Required for Self Employed Individuals

  • VAT / Service Tax Return of Current Financial Year
  • Audited financial statements for the last 2 years.
  • Business ITR with Tax Audit and Computation of Income
  • Individual ITR with Computations
  • Saving account statements of Applicant and Co-applicant for last 6 months (updated)

List of Property Documents

  • Allotment letters.
  • Photocopies of title deeds.
  • Encumbrance certificate.
  • Agreement to sell.Booking Receipts
Fee Amount to be Paid
Rate of Interest 6.75% to 7.5%
Loan Processing Charges Up to 0.50% of the Loan Amount or 3000/-
Cheque Bounce Charges NA
Cheque/ Instrument Swap charges NA
Prepayment/ Foreclosure Charges NA
Default Interest Rate NA
Duplicate Statement Issuance Charges NA
Duplicate Amortization Schedule Charges NA
Duplicate Interest Certificate NA
S(Provisional/ Actual) issuance Charges NA

Features Of HDFC Ltd Home Loan

  • Loans for purchase of properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built-up home.
  • Home Loans for purchase of a flat, row house, bungalow from private developers in approved projects.
  • Home Loans for purchase of properties from Development Authorities.
  • Loans for construction on a freehold/leasehold plot or on a plot allotted by a Development Authority.

Why HDFC Ltd?

  • Attractive interest rates that make your Home Loan affordable and easier on your pocket.
  • Customised repayment options to suit your needs.
  • No hidden charges.
  • Expert legal and technical counselling to help you make the right home buying decision.
  • Integrated branch network for availing and servicing the loan anywhere in India.
  • Special arrangement with AGIF for Home Loans for those employed in the Indian Army.

Benefits of HDFC Ltd

  • Pioneered Housing Finance in 1977.
  • Cumulative units housing units financed: 6.3 million
  • Gross loans stood at Rs. 4 trillion
  • About 1.9 million Deposits Accounts
  • A model private Housing Finance Company for developing countries with nascent Housing Finance markets.
  • Undertaken several consultancy assignments in housing finance in various countries across Asia, Africa and East Europe.

Advantages for Customers

  • To enhance the residential housing stock in the country through the provision of Housing Finance in a systematic and professional manner, and to promote home ownership.
  • Increase the flow of resources to the housing sector by integrating the housing finance sector with the overall domestic financial markets.


Loan Slab Home Loan Interest Rates (% p.a.)
For Women* (upto 30 Lakhs) 8.55 to 9.05
For Others* (upto 30 Lakhs) 8.60 to 9.10
For Women* (30.01 Lakhs to 75 Lakhs) 8.80 to 9.30
For Others* (30.01 Lakhs to 75 Lakhs) 8.85 to 9.35
For Women* (75.01 Lakhs & Above) 8.85 to 9.35
For Others*(75.01 Lakhs & Above) 8.90 to 9.40



Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.

  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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