HDFC Home Loan 2026

HDFC Bank home loan interest rates start from 7.75% p.a. for eligible borrowers as on 29th September 2026, while rates may vary based on the applicant’s profile and loan terms. Applicants applying through Paisabazaar may get rates starting from 7.15% p.a., subject to eligibility and applicable conditions.

HDFC Bank offers home loans ranging from Rs. 5 lakh to Rs. 30 crore, subject to the borrower’s eligibility, income, property value, repayment capacity and applicable loan-to-value (LTV) limits.

A rate of 7.15% p.a. onwards is mentioned for eligible applicants applying through Paisabazaar. However, this should not be considered a guaranteed rate for every borrower. The final interest rate depends on the applicant’s eligibility, credit profile and applicable lender terms.

The applicable LTV ratio depends on the loan amount. For loans up to Rs. 30 lakh, financing can be up to 90% of the property cost. For loans between Rs. 30.01 lakh and Rs. 75 lakh, it can be up to 80%, while loans above Rs. 75 lakh can be financed up to 75% of the property cost.

HDFC Bank Home Loans are available to eligible salaried, self-employed and agriculturist applicants. The stated age eligibility is generally 18 to 70 years, and the applicant should be a Resident Indian.

Yes. HDFC Bank offers home loans to both self-employed professionals and self-employed non-professionals.

An HDFC Bank Home Loan can be used for eligible housing requirements such as purchasing or constructing a home. Depending on the applicable loan scheme, financing may also be available for home improvement and eligible plot-related requirements.

For salaried and self-employed professional applicants, the processing fee can be up to 0.50% of the loan amount or Rs. 4,000, whichever is higher, plus applicable taxes. For self-employed non-professionals, it can be up to 1.50% or Rs. 5,000, whichever is higher. Other schemes may have different charges.

No. The processing fee is stated to be non-refundable. Applicants should also consider applicable taxes, statutory charges and other expenses that may arise during the loan processing and property documentation process.

Yes. Besides the processing fee, borrowers may have to pay applicable stamp duty, registration, MOD/MOE, CERSAI charges, incidental expenses and third-party charges. These charges can vary depending on the state, property and applicable regulations.