HDFC Home Loan – Interest Rate 2022, Calculate EMI & Apply

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आज के इस आर्टिकल में हम बात करने वाले है,  HDFC Home Loan के लिए आवेदन कैसे करते है और इसकी Interest Rate 2022 कितनी है तथा  Calculate EMI करने पर हमें कितने मासिक किस्तों का भुगतान करना होगा । और अन्य तमाम जानकारी के लिए आर्टिकल को आगे पड़ें ।

Contents

HDFC Home Loan क्या है ?

बैंक अपने ग्राहकों को होम लोन की सुविधा प्रधान करता है जिसमे ग्राहक बैंक से लोन लेकर के अपना घर बना सकता है और लिए गए लोन का भुगतान मासिक या हर छह महीने की अवधी में भुगतान कर सकता है ।

HDFC Home Loan जरूरी क्या है ?

जब हम बैंक के द्वारा लोन, क्रेडिट कार्ड और फाइनेंस से जुडी कोई भी काम करते है तो बैंक हमारा सिबिल स्कोर चेक करती है, की इस ग्राहक सिबिल अच्छा है की नहीं और यदि आपका सिबिल अच्छा रहता है तो आपको लोन दे दिया जाता है और यदि आपका सिबिल अच्छा नहीं तो बैंक आपको लोन देने से इंकार कर देता है ।

 Documentation

The following documents are required along with your Home Loan application:

Agriculturists

  • Application form with photograph
  • Identity and Residence proof
  • Last 6 months’ bank statements
  • Processing fee cheque
  • Copies of Title Documents of Agricultural Land depicting Landholding
  • Copies of Title Documents of Agricultural Land depicting crops being cultivated
  • Statement of previous 2 years of loans availed

Salaried Customers 

  • Application form with photograph
  • Identity and Residence proof
  • Last 6 months’ bank statements
  • Processing fee cheque
  • Latest Salary Slip
  • Form 16

Businessmen – Professionals

  • Application form with photograph
  • Identity and Residence proof
  • Last 6 months’ bank statements
  • Processing fee cheque
  • Educational Qualifications Certificate and Proof of Business
  • Business Profile and Previous 3 years Income Tax returns (self and business)
  • Previous 3 years Profit/Loss and Balance Sheet

HDFC Home Loan Processing Fees and Charges

Processing Fees

Up to 0.50% of the loan amount or ₹3,000 whichever is higher, plus applicable taxes.

Charges On Account Of Delayed Payments

Delayed payment of interest or EMI shall render the customer liable to pay additional interest up to 24% per annum

HDFC Home Loan Interest rate

हमारे किफायती हाउसिंग लोन की ब्याज़ दरों के अलावा, आप किफायती EMI, आसान दस्तावेज़ीकरण और एक परेशानी मुक्त आवेदन प्रक्रिया का भी आनंद ले सकते हैं।

SPECIAL HOME LOAN RATES
Salaried / SEP Self Employed
Home/HIL/HEL/Refinance/Plot Loans Applicable Interest Rates
Up to 30 Lacs % %
Women 8.10% to 8.50% 8.20% to 8.65%
Others 8.15% to 8.55% 8.25% to 8.70%
30.01 Lacs – 75 Lacs % %
Women 8.35% to 8.75% 8.45% to 8.90%
Others 8.40% to 8.80% 8.50% to 8.95%
75.01 Lacs & Above % %
Women 8.45% to 8.85% 8.55% to 9.00%
Others 8.50% to 8.90% 8.60% to 9.05%

HDFC Home Loan Application Form

HDFC Home Loan

HDFC Home Loan
Image Credit- HDFC Bank

HDFC Home Loan Apply Online

The following Step is required along with your Home Loan application:

  • Firstly- You visitthe  Official Website – Click here
  • Are you an Existing Customer- yes/No
  • Enter your Mobile number and name
  • Enter your Email Id and DOB
  • Select state and city
  • Property Identified- yes/no
  • Annual Household Income
  • Profession- salaried/nonsalaried
  • Click check mark 
  • Please enter the code exactly as displayed
  • and Submit Application Form

HDFC Bank Customer Care Number

यदि आपको होम लोन लेने के दौरान किसी समस्या का सामना करना पड़ रहा है तो आप बैंक के कस्टमर सपोर्ट से सहायता मांग सकते है और वह आपकी मदद करेंगे ।

नीचे हमने HDFC Bank Customer Care Number

  • 1800 202 6161
  • 1860 267 6161

HDFC Bank Home Loan EMI Calculator

यदि आप अपनी मासिक किस्तों को Emi के रूप में देखना चाहते है तो  दिए गए लिंक पर क्लिक करें – Click here

People also ask

How HDFC EMI is calculated?

For example, If a person avails a loan of ₹10,00,000 at an annual interest rate of 7.2% for a tenure of 120 months (10 years), then his EMI will be calculated as under: EMI= ₹10,00,000 * 0.006 * (1 + 0.006)120 / ((1 + 0.006)120 - 1) = ₹11,714. Calculating the EMI manually using the formula can be tedious.

What is payable amount in HDFC home loan?

you are required to pay 10-25% of the total property cost as 'own contribution depending upon the loan amount. 75 to 90% of the property cost is what can be availed as a housing loan.

Can I repay home loan early?

Prepayment is a facility which allows you to repay your housing loan (in part or full) before the completion of your loan tenure.

Can I take home loan from HDFC?

Image result for hdfc home loan apply You can also transfer your outstanding housing loan to HDFC

HDFC Bank Home Loan Eligibility Criteria

Age Limit for Self-Employed Individuals: 21 to 65 years. Minimum Salary: ₹10,000 p.m. Minimum business income: ₹2 lac p.a. Maximum Loan Term: 30 years.

Home Loan Documents and Processing Fee

Processing Fees. Up to 0.50% of the loan amount or ₹3,000 whichever is higher, plus applicable taxes

HDFC BAnk Home Loan Interest Rates

Home Loans at 8.10*% pa

Is HDFC good bank for home loan?

HDFC Limited is one of the pioneers in the Home Loan industry.

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