Let’s find out HDFC Bank Housing Loan Interest Rate In 2021. The rates vary according to the amount of the loan and the gender and profession of a person. HDFC also presents higher loan amounts and manageable repayment options. All this makes it one of the best Housing Loans in India. Check the details given below and apply for a home loan today online.
Read Specific Paragraph
HDFC Bank Housing Loan Interest Rate In 2021 ( For Regular Home Loans ).
| Particulars | Details |
|---|---|
| Housing Loan Interest Rate | 6.75% – 8.00% |
| Loan Amount | Customized |
| Loan Tenure | Up to 30 years |
| Processing Fees | For Salaried & Self Employed Professionals – Up to 0.50% of the loan amount or INR 3,000, whichever is higher, + GST For Self Employed Non-Professionals – Up to 1.50% of the loan amount or INR 4,500, whichever is higher, + GST |
| Prepayment Charges | 0% |
Special HDFC Bank Housing Loan Interest Rate
HDFC Limited gives special interest rates to individuals, starting from 6.75% yearly. These rates, which are effective from May 3, 2021, are 0.20% less than the standard rate. Let’s check the special rates for salaried, self-employed professionals, and self-employed non-professionals.
Salaried & Self-employed Professionals
| Loan Slab (In INR) | Special Housing Loan Interest Rates (In Per Annum) |
| Women – Up to 30 Lakh | 6.75%-7.25% |
| Others – Up to 30 Lakh | 6.80%-7.30% |
| Women – Above 30 Lakh to 75 Lakh | 7.00%-7.50% |
| Others – Above 30 Lakh to 75 Lakh | 7.05%-7.55% |
| Women – Above 75 Lakh | 7.10%-7.60% |
| Others – Above 75 Lakh | 7.15%-7.65% |
Self-employed Non-professionals
| Loan Slab (In INR) | Special Housing Loan Interest Rates (In Per Annum) |
| Women – Up to 30 Lakh | 6.90%-7.40% |
| Others – Up to 30 Lakh | 6.95%-7.45% |
| Women – Above 30 Lakh to 75 Lakh | 7.15%-7.65% |
| Others – Above 30 Lakh to 75 Lakh | 7.20%-7.70% |
| Women – Above 75 Lakh | 7.25%-7.75% |
| Others – Above 75 Lakh | 7.30%-7.80% |
HDFC Housing Loan Interest Rate Offers
The standard HDFC HousingLoan rates for salaried, self-employed professionals and non-professionals are shown below.
Salaried and Self-employed Professionals
| Loan Slab (In INR) | Housing Loan Interest Rates (In Per Annum) |
| Women – Up to 30 Lakh | 6.95%-7.45% |
| Others – Up to 30 Lakh | 7.00%-7.50% |
| Women – 30.01 Lakh – 75 Lakh | 7.20%-7.70% |
| Others – 30.01 Lakh – 75 Lakh | 7.25%-7.75% |
| Women – 75.01 Lakh and Above | 7.30%-7.80% |
| Others – 75.01 Lakh and Above | 7.35%-7.85% |
Self-employed Non-professionals
| Loan Slab (In INR) | Housing Loan Interest Rates (In Per Annum) |
| Women – Up to 30 Lakh | 7.10%-7.60% |
| Others – Up to 30 Lakh | 7.15%-7.65% |
| Women – 30.01 Lakh – 75 Lakh | 7.35%-7.85% |
| Others – 30.01 Lakh – 75 Lakh | 7.40%-7.90% |
| Women – 75.01 Lakh and Above | 7.45%-7.95% |
| Others – 75.01 Lakh and Above | 7.50%-8.00% |
Disclaimer – Housing Loan Interest Rates of 6.75% * onwards. All loan amounts are at the sole discretion of HDFC Ltd.
HDFC Plot Loan Interest Rates
You can buy land to construct a house on the same. Does not matter that you are salaried or self-employed, you can get this loan amount from HDFC Ltd. The interest rates are separated according to the profession and gender of people across different loan amounts. Let’s check out.
| Loan Amount (In INR) | Salaried (Female) | Salaried (Others) | Self-employed (Female) | Self-employed (Others) |
| Up to 30 Lakh | 7.65%-8.15% | 7.70%-8.20% | 7.80%-8.30% | 7.85%-8.35% |
| Above 30 Lakh-75 Lakh | 7.80%-8.30% | 7.85%-8.35% | 7.95%-8.45% | 8.00%-8.50% |
| Above 75 Lakh | 7.90%-8.40% | 7.95%-8.45% | 8.05%-8.55% | 8.10%-8.60% |
Note – Interest rate of 7.45% for those having a credit score of 780 and above.
HDFC Top-up Loan Interest Rates
A top-up loan is a sum you get over the running outstanding loan or the loan refinanced from other institutions. The charges for the same are explained below.
| Loan Slab | Interest Rate (In Per Annum) |
| Top-up on Existing Housing Loan | 8.30%-8.80% |
| Top-up for Simultaneous Loans | As per the housing loan slabs |
Rural Housing Loan Interest Rates
Inquiring funds to buy a plot, a brand new, or an under-construction home in a rural area? You can get similarly from HDFC Limited as part of its rural housing finance plan. The rates for the related are shown below across various loan amounts.
| Loan Quantum (In INR) | Women | Others |
| Up to 30 Lakh | 8.05%-9.25% | 8.10%-9.25% |
| Above 30 Lakh-75 lakh | 8.30%-9.50% | 8.35%-9.50% |
| Above 75 Lakh | 8.40%-9.60% | 8.45%-9.60% |
HDFC Bank Housing Loan Interest Rate Calculator
A loan EMI calculator or interest rate calculator is the same thing. It is a housing loan calculator that tells the monthly EMI, the total interest rate outgo, and the total payment (interest+principal) by considering the interest rate, housing loan amount, and housing loan tenure which is being taken. You can check the whole details in just a few moments.
HDFC Housing Loan Interest Rate for Existing Customers
The housing loan interest rate offered by HDFC Ltd on housing loans is calculated after deducting a certain percentage from the RPLR, the loan pricing benchmark adopted by the lender. Any change in RPLR is going to affect both new as well as existing borrowers.
HDFC Bank Housing Loan Interest Rate Conversion
The existing housing loan customers of HDFC can opt for an interest rate conversion facility, wherein the customers can ask the bank to reduce the applicable interest rate. The client needs to pay a nominal conversion fee @0.50%-1.75% of the principal outstanding.
HDFC Housing Loan Balance Transfer Interest Rates
Both salaried and self-employed individuals can opt for a balance transfer (BT) facility, wherein the applicants can transfer their outstanding housing loan from another bank or NBFC to HDFC. With the advantage of BT, clients can enjoy paying the loan at a lower rate. Not only this, but HDFC also offers an additional Top-Up loan of up to INR 35 Lakh for those availing BT. But, while availing the same, the candidates also need to pay a one-time processing fee, which can be 0.50% of the principal outstanding, to HDFC. So, if you are also looking for, options where you can switch, apply for an HDFC housing loan now!
READ MORE: LIC Housing Finance Customer Care 24×7
If You Like The Information Please Do Share.
Pingback: One Of The Best HDFC Life Youngstar Udaan Plan 2021
Pingback: Manappuram Gold Loan Rate Per Gram And Eligibility