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Eligibility Criteria for HDFC Home Loan

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HDFC Home Loan Interest Rates

Standard Home Loan Rates according to credit score

Credit Score	Salaried Rate of Interest	Self-employed Rate of Interest
750 and above	8.75% p.a. onwards	8.90% p.a. onwards
700-749	9.00% p.a. onwards	9.25% p.a. onwards
Below 700	9.50% p.a. onwards	9.75% p.a. onwards

HDFC Home Loan Processing Fee and Charges

Processing Charges

Charge Type	Amount
Processing Fees (Salaried/Self-employed Professionals)	0.50% of loan amount (min. Rs. 3000)
Processing Fees (Self-Employed Non-Professionals)	1.50% of loan amount (min. Rs. 4500)
Processing Fees (NRI Loans)	1.25% of loan amount (min. Rs. 3000)
Processing Fees (Value Plus Loans)	1.50% of loan amount (min. Rs. 4500)
Processing Fees (Loans under HDFC Reach Scheme)	Up to 2.00% of the loan amount
Re-appraisal of loan after 6 months from date of sanction	Rs. 2000

Other Charges

Charge Type	Amount
Delayed Instalment Payment Charge	Max 18% P.A. on overdue instalments
Stamp Duty/ MOD/ MOE/ Registration	As applicable in respective States
Switch to Lower Rate (Variable Rate Loans)	0.50% of Principal Outstanding or cap of Rs. 50000
Switch to Variable Rate Loan from Fixed Rate Loan	0.50% of Principal Outstanding or cap of Rs. 50000
Switch from Combo Rate Loan to Variable Rate	1.75% of Principal Outstanding
Payment Return Charges	Rs. 300 per dishonor
Prepayment Charges (Floating Rate Loans)	Nil
Prepayment Charges (Fixed Rate Loans)	2% of amounts being prepaid

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HDFC Home Loan Documents

Here are the list of documents required by HDFC

Identity Documents

Document Name	Salaried Applicants	Self-employed Applicants
Proof of Identity	✔	✔
Address Proof	✔	✔
Age Proof	✔	✔
Passport-sized Photographs	✔	✔

Proof of Income

Document Name	Salaried Applicants	Self Employed Professional	Self Employed Non Professional
Last 3 month’s Salary Slips	✔	✖	✖
Last 6 months’ Bank Statements, showing salary credits	✔	✖	✖
Latest Form-16 and IT returns	✔	✖	✖
Past 2 years ITRs	✖	✔	✔
Last 2 years’ Balance Sheet and P&L A/c Statements	✖	✔	✔
Last 12 months’ Savings Account Statements of individual	✖	✔	✔

Other Documents

Document Name	Salaried Applicants	Self Employed Professional	Self Employed Non Professional
Own Contribution Proof	✔	✔	✔
Employment Contract	✔	✖	✖
Last 6 months’ Bank Statements	✔	✔	✔
Passport size photograph	✔	✔	✔
Cheque for processing fee favouring HDFC Bank	✔	✔	✔
Business Profile	✖	✔	✔
Latest Form 26 AS	✖	✔	✔
Details of ongoing loans of the individual and the business entity	✖	✔	✔

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HDFC Home Loan Schemes and Top Plans

Comparison

Feature	Standard Home Loan	Plot Loans	Rural Housing Loans	Home Renovation Loans	Home Extension Loan	Top-Up Loans
Minimum Loan Amount	₹3 lakh	₹1 lakh	₹1 lakh	₹1 lakh	₹1 lakh	₹1 lakh
Maximum Loan Amount	₹10 crore	₹5 crore	₹5 crore	₹5 crore	₹5 crore	₹5 crore
Interest Rate	8.75% p.a. onwards	8.75% p.a. onwards	9.40% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	9.50 % p.a. onwards
Tenure	Up to 30 years	Up to 20 years	Up to 30 years	Up to 15 years	Up to 20 years	Up to 20 years
Eligible Applicants	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed

Details

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How to Download HDFC Home Loan Statement?

Downloading your HDFC home loan statement is quick and easy, allowing you to access your loan details and track your payments online.

• First, go to the HDFC Net Banking Portal.
  
  Open your preferred web browser and visit the official HDFC Bank website.
  
• Accessing Your Account
  Put your password and customer ID in the appropriate spaces.
  
  If you have not registered for the NetBanking page, search and click on the “Register” option and follow the instructions on the screen.
  
• Navigating to the Loan Accounts Section
  Once logged in, find the “Loan” section on the homepage or in the main menu.
  
  Select the Home Loan option from the drop-down menu.
    
• Choosing the Home Loan Account
  Identify your specific home loan account from the list if you have multiple accounts.
  
  Click on the relevant account number to proceed.
  
• Locating the Statement Section
  Look for the “Statement” or “Account Statement” option within your home loan account details.
  
  Click on the statement option to access your statements.
  
• Selecting the Statement Period
  Choose the specific period for which you want to view or download the statement.
  
• Obtaining the Declaration
  You can download a copy of your home loan statement by clicking the “Download” and also by “Generate PDF” button.
  
  To open and see the statement you downloaded, make sure your device has a PDF reader installed.
  
• Confirming the Data
  Verify the statement again to make sure all the transactions and data match up.
  
  Check the principal amount, interest rates, and any other pertinent details.
  
• Recognizing the Statement’s Components
  Learn about the main areas of the statement, including the repayment schedule, outstanding balance, principal and interest breakdown, and EMI data.

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HDFC Customer Care

To facilitate effective communication with customers, in addition, HDFC offers various channels for customer support.

Contact Category	Details
Email ID	customer.service@hdfc.com
Toll-free Number	1800 210 0018 (Accessible across India)
Text Message (SMS)	Send “HDFCHOME” to 56767
Missed Call Number	Give a missed call on +91 9289200017
Official Address	HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai – 400013
Website	www.hdfcbank.com/personal/products/loans/home-loan

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Comparison

For detailed comparison between top banks you can visit our compare banks page.

Bank	Up to Rs. 30 Lakh	Above Rs. 30 Lakh to Rs. 75 Lakh	Above Rs. 75 Lakh
SBI Bank	8.5% p.a. onwards	8.5% p.a. onwards	8.5% p.a. onwards
HDFC Bank	8.7% p.a. onwards	8.7% p.a. onwards	8.7% p.a. onwards
LIC Bank	8.50% – 10.35% p.a.	8.50% – 10.55% p.a.	8.50% – 10.75% p.a.
ICICI Bank	8.85% p.a. onwards	8.85% p.a. onwards	8.85% p.a. onwards
Kotak Mahindra Bank	8.70% p.a. onwards	8.70% p.a. onwards	8.70% p.a. onwards
Punjab National Bank	8.40% – 12.10% p.a.	8.40% – 12.10% p.a.	8.40% – 12.10% p.a.
Bank Of Baroda	8.40% – 10.65% p.a.	8.40% – 10.65% p.a.	8.40% – 10.90% p.a.
Bajaj Housing Finance	8.50% p.a. onwards	8.50% p.a. onwards	8.50% p.a. onwards
Axis Bank	8.75%-13.30% p.a.	8.75%-13.30% p.a.	8.75%-9.65% p.a.
Bank of India	8.4% p.a onwards	8.4% p.a onwards	8.4% p.a onwards
TATA Capital	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards