Does HDFC Bank charge a processing fee?

Yes. Processing fees are charged as per the applicable home loan scheme.

Are there prepayment charges?

No. Floating-rate home loans generally have no prepayment penalties.

Yes. HDFC Bank offers home loan balance transfer facilities.

HDFC Bank offers home loan tenures of up to 30 years.

Turn your dream home into reality with HDFC Bank Home Loan. Get attractive interest rates, flexible repayment options, and quick loan processing.

Interest Rate

8.50% p.a. onwards

Processing Fee

Up to 0.50%

Max Tenure

30 Years

Max LTV

Up to 90%

Instant eligibility check within 2 minutes

100% digital and paperless process

Dedicated loan expert for your application

Higher chances of approval with smart matching

Exclusive cashback on processing fees

HDFC Bank Home Loan helps you purchase, construct, renovate, or transfer your existing home loan with flexible repayment options and fast approvals.

Loan tenure up to 30 years

Home purchase & construction loans

Balance transfer facility available

Top-up loan options

Flexible repayment solutions

Strong nationwide presence

Based on Applicant Profile & Credit Score

Applicant Type	Interest Rate
Salaried	8.50% onwards
Self-Employed	8.55% onwards
Balance Transfer	As per eligibility
Women Applicants	Preferential pricing available

Processing FeeUp to 0.50% of loan amount

Prepayment PenaltyNil for floating-rate loans

Legal & Technical FeeAs applicable

Late Payment PenaltyApplicable on overdue EMI

Find the right product for your needs

Scheme Name	Best Suited For	Interest Rate
HDFC Home Loan	Home purchase or construction	8.50% onwards
Home Loan Balance Transfer	Transfer existing loan	As applicable
Plot Loan	Purchase of residential plot	As applicable
Home Improvement Loan	Renovation & repairs	As applicable