HDFC Home Loan Calculator. Calculate EMI and Eligibility Online using Home Loan Calculators by HDFC

Updated: May 25,2020 11:14 IST

Vikram Sharma

HDFC Home Loan Calculator. Calculate EMI and Eligibility Online using Home Loan Calculators by HDFC

HDFC Home Loan Calculator is an option provided by HDFC bank for its home loan applicants to check their eligibility and the EMI of their Home Loans. HDFC Home Loan Calculator is made available in Online for the benefit of the loan applicants. More details on HDFC Home Loan Calculator, its types and other information are given in this article.

HDFC Home Loan vs. HDFC Home Loan Calculator 

HDFC is considered to be the top Home Loans provider among the private sector banks and attracts customers with its quickest processing time, best interest rates and friendly customer-service. Also, lowest interest rates for women makes HDFC Home Loans to be opted by number of customers. For the benefit of the applicants, HDFC also extends its services to its customers to calculate their Home Loan EMI and Eligibility. The applicants can also calculate the Interest Rates of the Home Loans they are going to avail based on their eligibility factors. The Home Loan calculators provided by HDFC thus helps the applicants to be well-informed in advance regarding the EMI amount they have to pay and also their eligibility and interest rates. Get the official links and more details on HDFC Home Loan Calculator from the content below.

An Overview on HDFC Home Loan Calculator

HDFC Home Loan Calculator are used to calculate the EMI (Equated Monthly Instalment) of your Home Loan by just providing few information and there are also calculators provided by HDFC to calculate the Home Loan Eligibility and Affordability. With the necessary data given as input, the calculator will give you the amount one should pay every month depending on the loan amount, interest rate and the tenure of the loan. Not only the EMI amount but EMI Calculator will also help the applicant to know the amount of interest one is paying with respect to the loan amount, the loan tenure and the interest rate. HDFC Home Loan Eligibility calculator is a separate calculator provided just to check the eligibility of the candidate to avail the Home loan, the amount he/she is eligible for and the interest rates offered.

What are the Types of HDFC Home Loan?

HDFC Home Loans is one of the largest home loan provider in India which helps to achieve the dream of owning a home. HDFC offers different types of Home Loans for its customers as per their needs and use. For these types of loans it has also given different Calculators separately so that the applicant can make a specific search and get only the information needed for him. The well-defined set of calculators is indeed a benefit for the loan customers and users as it is totally user-friendly. The types of home loan calculators are listed below
  • HDFC Home Loan - Eligibility Calculator
  • HDFC Home Loan - EMI Calculator
  • HDFC Home Loan - Affordability Calculator

How to use HDFC Home Loan Calculator in Online?

HDFC Home Loan Calculator Online is an option given by HDFC for the benefit of the customers at its official site. The applicants can go to the official site of the bank and calculate the EMI by providing the necessary Information that is asked for. Home Loan Calculator is available in Online making it much easier for the applicants to check for EMI and also eligibility of Home loan just with few clicks. One can also call customer care of the bank and talk to the representatives to know their EMI options and also eligibility. Those finding Online process not comfortable can opt for Offline mode i.e. through customer care.

How to Use a HDFC Home Loan Calculator?

HDFC Home Loan Calculator to check the EMI provided by the bank for the Home Loan availed. One can choose the suitable Calculator based on the Home Loan he/she is going to avail. Enter the necessary details requested and check the EMI for specific HDFC Home Loan requested. The details to needed to calculate EMI are
  • Home Loan Amount
  • Interest Rate
  • Loan Tenure
  • Current Age (for specific type of loan)
Once you give the input, the monthly EMI is instantly calculated and displayed. The table given below lists the opening balance, Amount paid by customer, Interest paid during the year, principal paid during the year and the closing balance. This give the applicant a wide knowledge about the loan he/she is going to avail.

What is HDFC Home Loan EMI Calculator?

HDFC home loan EMI calculator will give an approximate figure for the total monthly installment payments along with a complete break-up of the home loan repayment process. EMI stands for Equated Monthly Installment which is an important part of your housing loan. It includes repayment of the principal amount and payment of the interest on the outstanding amount of your home loan. Longer loan tenure means reduced EMIs. A clear knowledge of the amount that you will need to pay towards EMIs will help you make an informed decision. However, in order to get the best approximation towards EMIs, it is important to use a home loan EMI calculator. With HDFC Home Loan EMI calculator, one can get a fair understanding about the ratio of the principal amount to the interest due, based on the effect of the home loan tenure and interest rates. Through HDFC Home Loan EMI calculator one can also gain access to an amortization table to strategize repayment schedule in advance. Click the link given and Calculate - HDFC Home Loan EMI Calculator 

Information to be Provided by the Applicant

Results Displayed after Calculation

Loan Amount

EMI Payable (Per Month)

Rate of Interest

Loan Tenure

Other information provided in the HDFC Home Loan EMI Calculator table that is given in the EMI calculator page are
  • Years of Loan
  • Opening Balance
  • Amount Paid by the Customer (EMI*12)
  • Interest Paid during the Year
  • Principal Paid during the Year
  • Closing Balance

HDFC Home Loan Eligibility Calculator

For any Home Loan you apply in any bank, your eligibility is the first that the banks checks and upon this lies the loan amount you will be given. Similarly, HDFC has also put forward a set of eligibility criteria for its applicants to avail the Home Loan provided. Your eligibility is primarily dependant up on your income and repayment capacity. And another major eligibility upon which your interest rate and loan approval is your Credit Score. Other major factors that determine your home loan eligibility are
  • Your Age
  • Financial Position
  • Credit History
  • Credit Score
  • Other Financial Liabilities
To check your eligibility, HDFC has put forward an eligibility calculator. The link for HDFC Home Loan EMI Calculator is given below, Check your eligibility by entering the necessary inputs.
HDFC Home Loan Eligibility Calculator

Information to be Provided by the Applicant

Results Displayed after Calculation

Gross Income (Monthly)

EMI Amount

Loan Tenure

Loan Amount

Rate of Interest


Other EMIs


What are the Ways to Improve your Eligibility to Avail HDFC Home Loan?

Applicants who maintain a good credit score are mostly eligibility to avail HDFC home loans. Those who are found eligible for a loan through the online loan eligibility calculator can apply for a loan at the bank without any doubt. There are many number of ways one can improve the Home Loan Eligibility by opting any of the few suggestion given below:
  • Can add an earning family member as co-applicant.
  • By availing a structured repayment plan.
  • Make sure to have a steady income flow, regular savings and investments.
  • Furnishing details of your regular additional income sources.
  • Keeping a record of your variable salary components.
  • By improving your credit score.
  • By repaying ongoing loans and short-term debts.

What is HDFC Home Loan Affordability Calculator?

HDFC Home Affordability Calculator will help you have a clear idea of your finances based on the Home Loan eligibility and the amount you can arrange from the resources available with you and in turn helping you fix a budget for your Home purchase. You can focus your search based on affordable properties without any waste of time and not spend time in infeasible home loan deals. It helps you project yourself an informed, serious and well-prepared home buyer, giving you better bargaining power with the developer or property seller. HDFC has provided a separate calculator to check the affordability, click HDFC Home Loan Affordability Calculator and get the necessary data on your Home Loan.

Information to be Provided by the Applicant

Results Displayed after Calculation

Down Payment

Loan Amount

Gross Income (Monthly)

Property Cost

Loan Tenure


Rate of Interest


Other EMIs


What are the Benefits of HDFC Home Loan Calculator?

With the technological advancement, the task of the people is made simpler. Introduction of Home loan EMI Calculator has helped the people in planning and investing, also has helped the people indirectly in achieving their dreams. The HDFC Home Loan EMI Calculator has many benefits which are as follows.
  • The home loan EMI Calculator gives instant results even for large amount.
  • It is free of cost. This saves the efforts and money of the people.
  • This calculator is very easy and simple to use.
  • Helps in pre-planning of the loan amount and helps for estimation and comparison between different schemes of different banks.
  • This saves a lot of time and effort of the people.

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HDFC Home Loan Calculator - FAQ


How will HDFC decide the home loan amount I am eligible for?

HDFC can essentially assess your Home Loan Eligibility through your salary and repayment capabilities. Certain relevant considerations include your age, education, number of dependents, income (if any) from your family, assets & liabilities, investment background, and job stability & longevity.


Is the HDFC home loan rate different for women?

Yes, women's interest rates on home loans are lower than others'. Women must be an owner / co-owner of the property on which the home loan would be made eligible as well as a borrower / co-borrower in the HDFC home loan in order to allow the use of a discount on the interest rate of the home loan open to others.


How do I repay a home loan?

To your ease, HDFC provides various types of home loan repayment. You can give standing orders to your lender to pay the increments through ECS (Electronic Clearing System), arrange for your employer to directly subtract monthly installments, or give post-dated checks from your salary account.


When does my home loan EMIs start?

EMI 's begin from the month following the month in which the loan is disbursed. For loans for under-construction property EMI typically starts after the complete home loan has been disbursed but consumers may opt to start their EMI's as soon as they make use of their fist disbursement and their EMI's would rise proportionately for each subsequent disbursement.


What is the maximum home loan that I can obtain?

Depending on the size of the loan you are expected to pay 10-25 percent of the overall expense of the property as your own payment. 75 to 90 percent of the valuation of the house is what would be seen as a home loan. 75 to 90 percent of the construction/improvement/extension estimate can be funded in the case of construction, home improvement, and home extension loans.

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