HDFC Bank Home Loan Processing Fees and other charges

Home Loan Processing Fees for Salaried & Self-Employed Professionals

Schemes	Processing Fees
Regular Home Loan, Home Extension/Renovation Loan, Refinance of Housing Loan & Plot Loans	Up to 0.50% of the loan amount or Rs. 3,000, whichever is higher.
	Minimum Retention Amount: 50% of applicable fees or Rs. 3,000, whichever is higher
Top Up Loan	Up to 0.50% of the loan amount or Rs. 3,000 whichever is higher
	Minimum Retention Amount: 50% of applicable fees or Rs. 3,000 whichever is higher

Home Loan Processing Fees for Self-Employed Non Professionals

Schemes	Processing Fees
Regular Home Loan, Home Extension/Renovation Loan, Refinance of Housing Loan & Plot Loans	Up to 1.50% of the loan amount or Rs 4,500, whichever is higher.
	Minimum Retention Amount: 50% of applicable fees or Rs 4,500, whichever is higher
Top Up Loan	Up to 1.50% of the loan amount or Rs 4,500, whichever is higher.
	Minimum Retention Amount: 50% of applicable fees or Rs 4,500, whichever is higher

Home Loan Processing Fees for NRIs & Other Schemes

Schemes	Processing Fees
NRI Home Loans	Up to 1.25% of the loan amount or Rs. 3,000 whichever is higher
	Minimum Retention Amount: 50% of applicable fees or Rs. 3,000 whichever is higher
HDFC Reach Home Loan Scheme	Up to 2.00% of the loan amount
	Minimum Retention Amount: 50% of applicable fees or Rs 3,000, whichever is higher

Home Loan Prepayment Charges

• Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest- NIL
• Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest- NIL when prepaid through own sources of funds; 2% of the prepaid amount when paid through other sources of funds

Home Loan Conversion Charges

Particulars	Charges
Switch to Lower Rate in Variable rate Loans (Housing/Extension/Renovation)	Up to 0.50% of the principal outstanding and undisbursed amount (if any) at the time of conversion or a cap of Rs 50,000, whichever is lower
Switch to Variable Rate Loan from Fixed Rate Loans (Housing/Extension/Renovation)	Up to 0.50% of the principal outstanding and undisbursed amount (if any) at the time of conversion or a cap of Rs 50,000, whichever is lower
Switch from Combination rate home loan fixed rate to variable rate	Up to 1.75% of the principal outstanding and undisbursed amount (if any) at the time of conversion
Switch to Lower rate (Plot Loan)	Up to 0.50% of the principal outstanding and undisbursed amount (if any) at the time of conversion
Switch to Lower Rate (Loans under HDFC Reach)- Variable Rate	Up to 1.50% of the principal outstanding and undisbursed amount (if any) at the time of conversion

Home Loan Other Charges

• Fees On Account of External Opinion

Fees on account of external opinion from technical valuers or advocates will be paid on an actual basis to the concerned advocate and technical valuer

• Property Insurance

In order to maintain the policy or policies effective at all times during the pendency of the loan, the customer is required to pay the premium amounts directly to the insurance provider, promptly, and on a regular basis.

• Late payment fee

Late payment of interest or EMI will result in an additional interest of up to 24% p.a.

• Incidental Charges

Incidental charges and expenses are levied to cover the costs, expenses, and other charges that may have been spent in connection with recovery of dues from a defaulting customer. Customers can get the copy of the policy from the relevant branch on request.

• Statutory / Regulatory Charges

The customer is solely responsible for paying applicable charges on account of MOD/Stamp Duty/MOE/Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) or such other statutory or regulatory bodies

• Other Charges

Type	Charges
Check Dishonour Charges	Rs 300
List of documents	Up to Rs 500
Photo Copy of documents	Up to Rs 500
PDC Swap	Up to Rs 500
Disbursement Cheque Cancellation Charge Post Disbursement	Up to Rs 500
Re-Appraisal Of Loan After 6 Months From Sanction	Up to Rs 2,000 plus applicable taxes