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DHFL Home Loan

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DHFL Home Loan @ Lowest Rates

  • Interest Rate: 8.75% onwards
  • Loan Amount: Up to 90% of Property Value
  • Loan Tenure: Up to 30 Years
  • Processing Fees: Rs. 2500 onwards + GST

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हिंदी में पढ़े
Updated: 04-01-2021 10:38:16 AM
DHFL Home Loan Interest Rate & Other Details 2021
Interest Rate8.75% onwards
(Compare Other Home Loan Rates)
Loan-to-Value RatioUp to 90% of Property Value
Loan TenureUp to 30 years
Processing ChargesSalaried/Self Employed Professional – 0.5% of loan amount (Min. Rs. 2,500)
Self Employed Non Professional – Net PAT: 0.5%, Others: 1.0% of loan amount

Note: The figures given in the table are indicative and subject to change as per any change in the loan scheme offered by DHFL or the RBI policy, without prior information.

Apply for DHFL home loans at attractive interest rates 8.75% onwards. Deewan Housing Finance Ltd. offers various home loan schemes that can be used for buying a new home/plot or renovating/expanding an existing property. The housing loans come with long repayment tenure and low processing charges. Both salaried and self-employed are eligible to apply for DHFL home loans.

Table of Contents

DHFL Home Loan Features & Benefits
DHFL Home Loan Interest Rates
DHFL Home Loan Processing Fees & Other Charges
DHFL Home Loan EMI Calculator
DHFL Home Loan Eligibility Criteria
Documents Required for DHFL Home Loan
DHFL Home Loan Schemes
How to Apply for DHFL Home Loan
DHFL Home Loan Customer Care
DHFL Home Loan FAQs

DHFL Home Loan Features & Benefits

  • Offers a variety of home loan schemes to cater to every individual’s home loan requirements
  • Offers attractive home loan interest rates 8.75% onwards
  • Has a longer loan tenure extending up to 30 years
  • Offers various repayment options to customers for their convenience
  • Offers home loan EMI calculator for customers to compute their loan EMIs beforehand so that they can plan their finances in advance
  • Has tax benefits on both the principal amount and interest amount
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DHFL Home Loan Interest Rates

Current DHFL home loan interest rate starts from 9.75% p.a. DHFL home loan loan interest rate is linked to Retail Prime Lending Rate (RPLR). Variation in the RPLR will direclty affect the DHFL home loan rates.

Compare DHFL home loan interest rates of various loan schemes

DHFL Home Loan SchemesInterest Rate (p.a)
DHFL New Home Loans9.75% onwards
DHFL Plot Loans10.25% onwards
DHFL Home Construction Loans9.75% onwards
DHFL Home Extension Loans9.75% onwards
DHFL Home Renovation Loans9.75% onwards
DHFL Plot & Construction Loans9.75% onwards
DHFL NRI Home LoansVaries as per applicant’s profile

DHFL Home Loan Processing Fees & Other Charges

ParticularsApplicable charges
CERSAI Registry / Modification ChargesFor loans up to Rs. 5 Lakh – Rs. 50

For loans above Rs. 5 Lakh – Rs. 100

Technical Fees (for additional property or property situated outside geographic limit or for pre technical)Within 60 km radius – No charges

Beyond 60 km – Rs. 500 (for first visit) and Rs. 750 (for subsequent visits)

Valuation fee in Construction Linked Loan casesFirst visit – No charges

Subsequent visits – Rs. 500

Part-Prepayment ChargesWithin 6 months from 1st disbursement: No prepayment allowed

After 6 months: No Charges (for individual borrowers/co-borrowers)

2% (for  borrowers/co-borrowers other than individuals)

Plot Loans/Easy Land Cum Construction Loans

For borrower/co-borrower other than individual – 3% (in case the dwelling unit is not constructed on the plot within 3 yrs. from the date of first disbursement of the loan)

Foreclosure chargesWithin 6 months from 1st disbursement:No foreclosure allowed

After 6 months: No Charges (for individual borrowers/co borrowers)

2% (for  borrowers/co-borrowers other than individual)

Overdue Charges on default installment (EMI/Pre-EMI)18% p.a. on the outstanding amount
Demand Draft/Pay Order issuance chargesRs. 150/lakh or actual bank charges, whichever is higher
Statement of account/ provisional IT certificates1st – No charges

Subsequent – Rs. 250

Custodial Fee for property documents in closed loansRs. 500 per month (post 60 days from Loan Closure Date)
Document retrieval charges on closure of loanFor loans up to Rs. 10 Lakh – Rs. 1,000

For loans above Rs. 10 Lakh – Rs. 2,000

Foreclosure statementRs. 500

Note: Goods and Services Tax (GST) will be applicable on the above charges.

DHFL Home Loan EMI Calculator

Knowing your home loan EMI before applying for home loan can help you:

  • know whether you can afford the loan or not
  • know how much amount you can borrow
  • fix the loan tenure
  • plan your finances accordingly

Calculate your house loan EMI in just a fraction of seconds with the help of Paisabazaar’s Home Loan EMI Calculator. The home loan calculator provides accurate results on the basis of the details provided by the user. The online tool is easy to use and provides quick results.

DHFL Housing Loan EMI depends on its interest rate, loan amount and loan tenure. The table below illustrates how EMIs change with the change in loan amount and loan tenure when calculated keeping DHFL home loan interest rate at a constant value of 8.75% p.a.:

Loan AmountEMIs as per Different Loan Tenures
15 years20 years30 years
Rs. 30 lakhRs. 31,781Rs. 28,456Rs. 25,775
Rs. 50 lakhRs. 52,968Rs. 47,426Rs. 42,958
Rs. 70 lakhRs. 74,155Rs. 66,396Rs. 60,141
Rs. 1 croreRs. 1,05,936Rs. 94,852Rs. 85,915

In the table above, it is clear that higher loan amount leads to higher loan EMIs. Also, with increase in the loan tenure, home loan EMIs reduces. When choosing home loan tenure always remember that while longer tenure reduces your monthly instalments but it also increases your total interest payout. Hence pick your home loan tenure after careful consideration.

DHFL Home Loan Eligibility Criteria

The eligibility criteria to apply for DHFL home loan is given as follows:

  • The applicant must be an Indian resident or a Non-Resident Indian (NRI)
  • The age of the applicant must be 21 years – 65 years of age
  • Both salaried and self-employed (businessman or professional) can apply for DHFL home loans

Also Read: Home Loan Eligibility

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Documents Required for DHFL Home Loan

Following documents are required for DHFL home loan approval;

  1. KYC Documents: ID & Address Proof (Any One Required)
    • Aadhaar card
    • PAN card (Mandatory, if income is considered for loan eligibility calculation)
    • Valid Passport
    • Voter ID card
    • Driving License
    • Utility Bill: Electricity, Telephone, Post paid mobile, water bill etc.
    • Ration card
    • Letter from employer
    • Bank statement /copy of Pass book reflecting address
    • Valid Rent Agreement
    • Sale Deed
  2. Income Documents
    • For Salaried Individuals
      • Salary slips for the last 2 months or salary certificate (*If variable components like over time and incentives are reflected, then salary slips for the past 6 months are required.)
      • Cash Salary – Income details on Company Letterhead
      • Copy of bank statements for the past 3 months (salary account)
    • For Self Employed Professionals
      • Certificate of qualification for professionals: CA, doctors or architects
      • Copy of last two years’ income tax returns, along with computation of income
      • Copy of last two years’ P/L account with all schedules and audited balance sheet, wherever applicable
      • VAT or Service Tax returns or TDS Certificate
      • Bank statement for the last 6 months (Savings account, current account and O/D account)
    • For Self Employed Non Professionals
      • Copy of your last two years’ income tax returns, along with computation of income
      • Copy of last two years’ P/L account with all schedules and audited balance sheet, wherever applicable
      • VAT or Service Tax returns or TDS Certificate
      • Bank statement for the last 6 months (Savings account, current account or an O/D account)
  3. Property Documents
    • Allotment letter from builder
    • Agreement of Sale
    • Registration and stamp duty receipt
    • Index- ii
    • NOC from builder
    • Own Contribution Receipt (OCR)
    • All builder linked documents (Applicable for cases which are not approved or previously not funded by DHFL)
    • Development Agreement
    • Tripartite Agreement
    • Partnership Deed
    • Sale Deed
    • Title Search Report
    • NA order

Note: Original documents are required for verification purpose only.

DHFL Home Loan Schemes

DHFL New Home LoanDHFL Plot LoanDHFL Home Construction Loan
DHFL Home Extension LoanDHFL Home Renovation LoanDHFL Plot & Construction Loan
DHFL NRI LoanPradhan Mantri Awas Yojana (PMAY)

Compare Best DHFL Home Loan Offers

1. DHFL Home Loan

DHFL offers New Home Loan scheme to purchase ready built-up or under construction house/flat or resale property.

Loan AmountUp to 90% of the property value
Interest Rate8.75% onwards
Loan TenureUp to 30 years

2. DHFL Plot Loan

DHLF Plot Loan can be availed to buy a piece of land on which the purchaser can build his/her home.

Loan AmountUp to 75% of the property value
Interest Rate10.25% onwards
Loan TenureUp to 20 years

Check Also: Plot or Land Loan

3. DHFL Home Construction Loan

Home Construction Loan from DHLF helps customers to construct home on an already purchased plot.

Loan AmountUp to 100% of the construction estimate, subject to a maximum of 90% of its market value, whichever is lower
Interest Rate8.75% onwards
Loan TenureUp to 20 years

4. DHFL Home Extension Loan

Add additional space to your existing home with DHFL Home Extension Loans.

Loan AmountUp to 100% of the extension estimate subject to a maximum of 90% of its market value, whichever is lower
Interest Rate8.75% onwards
Loan TenureUp to 20 years

Check Also: Home Extension Loans

5. DHFL Home Renovation Loan

Whenever you feel the requirement of renovating your home and giving your home an all new look and feel, you can avail DHFL Renovation Loan for the money.

Loan AmountUp to 100% of the improvement estimate subject to a maximum of 90% of its market value, whichever is lower
Interest Rate8.75% onwards
Loan TenureUp to 10 years

Check Also: Home Renovation Loan

6. DHFL Plot & Construction Loan

Avail plot and construction loan facility to buy a plot of land and build a home on it.

Loan AmountDepends on repayment ability of the applicant
Interest Rate8.75% onwards
Loan TenureUp to 30 years

7. DHFL NRI Loan

If you are an NRI and live abroad but want to own a home in India without any financial constraints, you can opt for a DHFL NRI Home Loan. DHFL provides NRI Home Loans at an attractive interest rate along with plenty of other benefits to match your financial requirements. The housing loan is available for NRIs from different countries like UAE, UK and USA. The housing loan can be taken for a range of needs, such as purchase of a home, renovation or expansion of your existing home or purchase of a plot of land to build a home.

The applicable DHFL NRI home loan interest rate, loan tenure and loan amount differs from one case to another and depends on various factors, such as applicant’s repayment capacity and property value.

8. Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme (PMAY CLSS)

Pradhan Mantri Awas Yojana – Credit Linked Subsidy (PMAY-CLSS) is a special initiative by Indian Government which aims to fulfil the dream of every first time buyer in India. Under PMAY, the Government of India offers affordable home loans for economically weaker sections, low income groups and middle income groups. For those who are buying home for the first time and don’t own a pucca residential house, can get benefit under this special scheme. For more details on the scheme, click here.

How to Apply for DHFL Home Loan

Customers can apply for DHFL Home Loan by visiting the nearest DHFL branch. An alternative way to apply for the loan is their website. Before applying for the home loan, make sure to check your credit score and home loan eligibility to avoid unnecessary loan rejection. You can also jointly apply to improve the loan eligibility.

DHFL Home Loan Customer Care

Get your DHFL home loan-related queries resolved through:

DHFL Home Loan Toll-free Customer Care Number
1800 22 3435 (For New Customers)
1800 3000 1919 (For Existing Customers)
DHFL Home Loan Customer Care Email ID
response@dhfl.com
DHFL Home Loan Customer Care SMS Service
SMS: DHFL to 56677
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DHFL Home Loan FAQs

How to reduce home loan interest rate in DHFL?

Following are the ways to reduce DHFL Home Loan interest rate:

  • Increase EMI while keeping the tenure constant
  • Pay off a part of your home loan
  • Transfer outstanding loan to another lender offering lower rates

How to check DHFL home loan status?

To check your DHFL home loan status,

  • Go to ‘Loan Tracker’ page
  • Choose whether you want to search by ‘Application Number’ or ‘Lead ID’
  • As per option selected, provide details
  • Provide your Date of Birth
  • Click on ‘Submit’ button to get the details

How much time does it take for home loan application approval?

For home loan application approval, it takes around 3-15 days, subject to proper documentation provided by the home loan applicant.

DHFL Home Loan
(4.5/5 ) 2 Reviews
Write a review
Dec 30, 2016
5/5
Excellent

I got my home loan at an interest rate 9.35% only. I could apply for my home loan very easily as the service people were really helpful. My documentation process was very quick and easy.  I am very happy with the loan application and approval process.

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