HDFC Home Loan Interest Rates for Salaried and Self Employed, Eligibility and Other Information

Updated: Aug 30,2019 17:03 IST

Dinesh

HDFC Home Loan Interest Rates are considered to have best deals among the Home Loan providers. HDFC Home Loan Interest Rates are the lowest and special interest rates are given for Women. HDFC Home Loan Interest Rate on different type of home loans and other details are given in the article.

An Overview of HDFC Home Loan Interest Rates 

A new home is just not something like a new phone. New homes are dream of many and the way to but it seems big and unsurmountable. Many fear opting for a home loan because of the higher interest rates, but HDFC Home Loans being the top home loan providers in the Private sector banks gives best deals on Home Loan Interest Rates. Get a complete overview on HDFC Home Loan Interest Rates on different type of loans, other charges of HDFC Home Loan are given in the sections below.

What are the Types of HDFC Home Loan Interest Rates?

Apart categories of Interest Rates for Salaried and Self-employed which is on common basis, HDFC Home Loans Interest Rates are basically given for all type of Home Loans and also for both salaried and self-employed under any one of the two categories opted by the applicant. 
1. Adjustable Rate Home Loan - Home Loan under Adjustable Rate is linked to HDFC’s Retail Prime Lending Rate (RPLR). Based on the changes in the RPLR your interest rate will be revised. Increased rate will in turn increases the EMI component and decreases the principal amount and extension of loan term and vice versa.
2. TruFixed Home Loan - 2/3 Year Fixed Rate Variant - This offers a part time fixed rate and part time adjustable rate. Fixed rate can be availed until a period of 2 / 3 years after which it automatically converts to adjustable rate with a total term of 20 years.

What are the Repayment Options of HDFC Home Loan? 

HDFC has provided different modes of repayment of the acquired home loans. 
  • Step Up Repayment Facility (SURF)
  • Flexible Loan Installments Plan (FLIP)
  • Tranche Based EMI
  • Accelerated Repayment Scheme
  • Telescopic Repayment Option

What are the HDFC Home Loan Interest Rates provided on Type of Loans?

HDFC provides home loans based on the needs of the applicant. Similarly there are different interest rates being fixed for each type of loans and other charges associated with each loan also varies. Find below the different type of Home Loan Interest Rates given by HDFC for Resident Indians.
  • Interest Rates - New Homes
  • Interest Rates - Resale Homes
  • Interest Rates - Construction
  • Interest Rates - Balance Transfer
  • Interest Rates - Home Improvement Loans
  • Interest Rates - Home Extension Loans
  • Interest Rates - Plot Loans
  • Top Up Loans

What are the HDFC Home Loan Interest Rates for New Homes?

Basically the Interest rate slab is divided into based on few criteria given below
  • For Women and For Others
  • Income up to 30 Lakh and Income above 30 Lakh
  • For Salaried and For Self-Employed
Check the HDFC Home Loan Interest Rates on New Homes for both Adjustable and Fixed Rates
 

Loan Slab

Interest Rates

Adjustable

TruFixed Loan

For Women (upto 30 lakh)

8.40 to 8.90

8.50 to 9.00

For Others (upto 30 lakh)

8.45 to 8.95

8.55 to 9.05

For Women (above 30 lakh)

8.50 to 9.00

8.60 to 9.10

For Others (above 30 lakh)

8.55 to 9.05

8.65 to 9.15

What are the HDFC Home Loan Interest Rates for Resale Homes?

Loan Slab

Interest Rates

Adjustable

TruFixed Loan

For Women (upto 30 lakh)

8.40 to 8.90

8.50 to 9.00

For Others (upto 30 lakh)

8.45 to 8.95

8.55 to 9.05

For Women (above 30 lakh)

8.50 to 9.00

8.60 to 9.10

For Others (above 30 lakh)

8.55 to 9.05

8.65 to 9.15

What are the HDFC Home Loan Interest Rates for Construction?

Loan Slab

Interest Rates

Adjustable

TruFixed Loan

For Women (upto 30 lakh)

8.40 to 8.90

8.50 to 9.00

For Others (upto 30 lakh)

8.45 to 8.95

8.55 to 9.05

For Women (above 30 lakh)

8.50 to 9.00

8.60 to 9.10

For Others (above 30 lakh)

8.55 to 9.05

8.65 to 9.15

What are the HDFC Home Loan Interest Rates for Balance Transfer?

Loan Slab

Interest Rates

Adjustable

TruFixed Loan

For Women (upto 30 lakh)

8.40 to 8.90

8.50 to 9.00

For Others (upto 30 lakh)

8.45 to 8.95

8.55 to 9.05

For Women (above 30 lakh)

8.50 to 9.00

8.60 to 9.10

For Others (above 30 lakh)

8.55 to 9.05

8.65 to 9.15

What are the HDFC Home Loan Interest Rates for Home Improvement Loans?

Loan Slab

Interest Rates

Adjustable

TruFixed Loan

For Women (upto 30 lakh)

8.40 to 8.90

8.50 to 9.00

For Others (upto 30 lakh)

8.45 to 8.95

8.55 to 9.05

For Women (above 30 lakh)

8.50 to 9.00

8.60 to 9.10

For Others (above 30 lakh)

8.55 to 9.05

8.65 to 9.15

What are the HDFC Home Loan Interest Rates for Extension Loans?

Loan Slab

Interest Rates

Adjustable

TruFixed Loan

For Women (upto 30 lakh)

8.40 to 8.90

8.50 to 9.00

For Others (upto 30 lakh)

8.45 to 8.95

8.55 to 9.05

For Women (above 30 lakh)

8.50 to 9.00

8.60 to 9.10

For Others (above 30 lakh)

8.55 to 9.05

8.65 to 9.15

What are the HDFC Home Loan Interest Rates for Plot Loans?

Loan Slab

Interest Rates

Adjustable

TruFixed Loan

For Women (upto 30 lakh)

8.40 to 8.90

8.50 to 9.00

For Others (upto 30 lakh)

8.45 to 8.95

8.55 to 9.05

For Women (above 30 lakh)

8.50 to 9.00

8.60 to 9.10

For Others (above 30 lakh)

8.55 to 9.05

8.65 to 9.15

What are the HDFC Home Loan Interest Rates for Top Up Loans? 

Loan Slab (Outstanding Home Loan + Top Up Loan)

Interest Rates (% p.a.)

Top Up Loan for Existing Customers

8.60 to 9.10

Loan Slab - For New Customer

Interest Rates (% p.a.)

For Women (upto 30 lakh)

8.40 to 8.90

For Others (upto 30 lakh)

8.45 to 8.95

For Women (from 30 lakh - 50 lakh)

8.50 to 9.00

For Others (from 30 lakh - 50 lakh)

8.55 to 9.05

What are the Eligibility Parameters Considered for HDFC Home Loan?

There are certain eligibility criteria HDFC expects from its customers to approve the home loan applied by the customer. HDFC checks the repayment capacity by of the customer by few of the below given parameters
  • Income
  • Age
  • Qualification
  • Number of dependants
  • Spouse’s Income
  • Assets
  • Liabilities
  • Stability and continuity of occupation
  • Savings history

General Related News

Sardar Patel Scholarship 2020 - Apply Online for Sardar Vallabhai Patel Scholarship 2020 for Student Pursuing Graduation

22 days ago
Sardar Patel Scholarship 2020 for Students Pursuing Graduation: Buddy4Study India Foundation’s Sardar Patel Scholarship 2020 for Student Pursuing Graduation should be applied ....

Aadhar Card - Latest Aadhaar Card Updates and Complete Aadhaar Card Information, Number Online

29 days ago
Aadhar Card - Aadhaar Card is the unified national identity issued by UIDAI for every Indian resident. Aadhar Card has become essential for every single process and transactions, ....

Aadhar Card Download: How to Download Aadhaar Card Online and Print out e-Aadhaar at UIDAI.gov.in

36 days ago
Aadhar Card Download - Step by Step Procedure to Download Aadhaar Card by Name, DOB, Entrollment Number, Mobile Number or Without Mobile Number at UIDAI Website. UIDAI is an easier ....

Check Aadhar Card Status Online at UIDAI, Enquiry Aadhar Card Update Status

41 days ago
Aadhar Card Status: Aadhaar Card Status reveals the position of your Aadhar Card application, Check Aadhar Card Update Status by Name, Phone Verification Online and any time after ....

Chandra Grahan 2020: Chandra Grahan Lunar Eclipse on June 5, Chandra Grahan Date, Timing in India

72 days ago
Chandra Grahan 2020: The second 2020 Chandra Grahan Lunar Eclipse is set to take place on June 05. The first lunar eclipse took place on 10th January earlier year. On 5th June ....

OSBCL Odisha Liquor Home Delivery Order Online at osbc.co.in - How to order liquor online in Odisha

73 days ago
OSBCL Online Delivery: Odisha State Beverage Corporation(OSBC) Limited resumed its work on Saturday to restart sales of online liquor delivery in Odisha. Liquor home delivery in ....

Aadhar Card for Children. How to Apply Online and Offline Mode and Other Details

76 days ago
Aadhar Card for Children as well as an adult is a voluntary process and can be enrolled for even a newborn baby. Aadhar Card for Children can be got with the proof of address and ....

Aadhar Virtual ID for Aadhar Authentication How to generate VID, Retrieve and More

76 days ago
Aadhar Virtual ID is the 16 digit number which can be generated only by the Aadhar card holders. Aadhar Virtual ID is outlined along with the Aadhar number for the privacy and ....

How to Lock and Unlock Biometrics in Your Aadhar Card Different Methods in Detail

76 days ago
UIDAI had set up a feature for locking and unlocking the cardholders' biometric information. Aadhar Lock and Unlock Biometrics information in Aadhar Card can be done through ....

Aadhar Card for a Non Resident Indian. Procedure to Avail NRI Aadhar and other Information

77 days ago
Aadhar Card for Non Resident Indian can be obtained only by offline mode. To avail Aadhar, a Non Resident of India or NRI must be present in India during the registration of the ....

Trending News

Bollyshare 2020: Bollyshare Illegal Bollywood Hindi HD Online Movies Download Website, Find Latest Bollyshare News

1 day ago
Bollyshare 2020 - BollyShare is one of the newest piracy sites amongst all the movie piracy illegal sites and Bollyshare online piracy site managed to attract users to download ....

TamilPlay 2020: Illegal HD Tamil Movies Download TamilPlay Website, Download Tamil Play TV Series, Latest News

1 day ago
Tamilplay 2020: Tamilplay is a Pirated website to Download Movies Illegally Online for Free to Users from Tamilplay com, Tamilplay in and Find Latest Tamilplay Movies, Tamil Play ....

9xflix 2020: 9xflix Illegal Bollywood Movies Download Hindi Dubbed Dual Audio Movies from 9xflix Website, Latest News Web Series

1 day ago
9xflix 2020: 9xflix is a piracy website to download Bollywood movies, Hollywood Dubbed Movies, 9x Flix Soun Hindi Dubbed Movies, 9xFlix Web Series to its users for Free and Get ....

Moviemad 2020: Moviemad Website Bollywood Movies illegal Download Hollywood Hindi Dubbed Movies from Movie Mad, Latest News

1 day ago
Moviemad 2020: Moviemad is a popular torrent website that offers latest movies with good picture quality and Moviemad audio features. Moviemad website publishes duplicate content ....

Moviesda 2020: Illegal Tamil Movies HD Download Moviesda Telugu Movies Malayalam Download, Moviesda Latest News

1 day ago
Moviesda 2020 - Moviesda is a Illegal Tamil Movies Download Piracy Website that allow Moviesda users to download tamil movies, Moviesda Telugu, Movies Malayalam for free and Find ....

Khatrimaza 2020 - Illegal Khatrimaza HD Movies Download, Bollywood Hollywood Movies Website, Latest Khatrimaza News

1 day ago
Khatrimaza 2020 - Khatrimaza is an Illegal website that provides the latest Khatrimaza Bollywood movies download for free through website and mobile app and Get All Latest Khatrimaza ....

9xmovies 2020: 9xmovies Bollywood Movies HD 9xmovies Download Illegal website 9x News and Updates

1 day ago
9xmovies 2020: 9xmovies is a public piracy website to find Latest 9xmovies website movies, 9xmovies Movies News and Users can 9xmovies download online Bollywood, Hollywood Dual ....

Isaimini 2020: Isaimini Tamil Movies HD Download, Isaimini Movies illegal Website News and Updates

1 day ago
Isaimini 2020 - Isaimini has recently changed its name to Moviesda.com and Isaimini Tamil movies download is one of the most visited torrent websites Isaimini allows users to ....

Filmyzilla 2020: Filmyzilla Bollywood Hollywood Movies Illegal Download, Filmyzilla HD Download News and Updates

1 day ago
Filmyzilla 2020 - Filmyzilla is a Piracy Website that allow users to download illegal Bollywood, Hindi dubbed HD Movies from Filmyzilla com, Filmyzilla in for free and find latest ....

Vegamovies 2020: Vegamovies Illegal HD 300Mb Bollywood, 480p, 720p Movies Hindi Dubbed Movies Download Website, Latest Vega Movies News

1 day ago
Vegamovies 2020: Vegamovies is a popular torrent web site that leaks digitally pirated Bollywood Movies, Hollywood Movies, Hindi Dubbed Movies, Webseries, Netflix Series for Free ....


FreshersLive - No.1 Job site in India. Here you can find latest 2020 government as well as private job recruitment notifications for different posts vacancies in India. Get top company jobs for both fresher and experienced. Job Seekers can get useful interview tips, resume services & interview Question and answer. Practice online test free which is helpful for interview preparation. Register with us to get latest employment news/rojgar samachar notifications. Also get latest free govt and other sarkari naukri job alerts daily through E-mail.