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Benefits Of Availing Home Loan From Rokdabazaar

  • Hassle free one-stop shop for all kinds of loans
  • Committed to offer the most appropriate solution at the best price
  • Customized solutions for customer specific requirements
  • Quotations for multiple lenders/banks
  • Free credit report check
  • Dedicated relationship management
  • Door-step services

HDFC Home Loan Interest Rate



Retail Prime Lending Rate: 16.60%


Loan Slab Home Loan interest Rate % Home Loan interest Rate %
Salaried / SEP Self Employed
Upto 30 Lacs
For Women* 8.00 to 8.50 8.00 to 8.50
For Others* 8.00 to 8.50 8.00 to 8.50
30.01 Lacs to 75 Lacs
For Women* 8.25 to 8.75 8.25 to 8.75
For Others* 8.25 to 8.75 8.25 to 8.75
75.01 Lacs & Above
For Women* 8.30 to 8.80 8.30 to 8.80
For Others* 8.30 to 8.80 8.30 to 8.80


TruFixed Loan – 2 Year Fixed Rate Variant


Loan Slab Home Loan interest Rate % Home Loan interest Rate %
Salaried / SEP Self Employed
Upto 30 Lacs
For Women* 8.70 to 9.20 8.70 to 9.20
For Others* 8.75 to 9.25 8.75 to 9.25
30.01 Lacs to 75 Lacs
For Women* 9.00 to 9.50 9.00 to 9.50
For Others* 9.05 to 9.55 9.05 to 9.55
75.01 Lacs & Above
For Women* 9.05 to 9.55 9.05 to 9.55
For Others* 9.10 to 9.60 9.10 to 9.65
Loan tenure: Upto 30 years
Loan Processing Fee/Charge: Up to 0.50% of the loan amount orRs.3,000 whichever is higher, plus applicable taxes.
Part-Payment Charges Part Payment is allowed
Stamp duty & other statutory charges As per applicable laws of the state
Cheque Dishonor Charges Rs. 200
List Of Documents Upto Rs.500
Photo Copy Of Documents Upto Rs.500
Disbursement Cheque Cancellation Charge Post Disbursement Upto Rs.200
Re-Appraisal Of Loan After 6 Months From Sanction Up to Rs.2,000 plus applicable taxes
Increase / Decrease In Loan Term Upto Rs.500
PDC Swap/Cheque Swap charges (per swap) Rs.200

HDFC LTD Home Loan Documents for Salaried Individual and SEP


Identity Proof/KYC Pan Card/Aadhar card/Voter card/Driving license/Passport
Address Poof Aadhar card/Voter card/Driving license/Passport.
Bank Statement/Passbook Latest 3 months/Latest 6 months showing salary credit
Other Documents Form 16 and IT returns
Passport size Photograph-1
Salary Slip Latest 3 months Salary Slip
Property Related Documents All property docs

HDFC LTD Home Loan Documents for Self Employed


Identity Proof/KYC Pan Card/Aadhar card/Voter card/Driving license/Passport
Address Poof Aadhar card/Voter card/Driving license/Passport
Income Proof
  • Income Tax Returns along with computation of income for the last 3 Assessment Years (of both the individual and the business entity and attested by a CA)
  • Last 3 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA)
Other Documents
  • Own Contribution Proof
  • Business Profile
  • Latest Form 26 AS
  • List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company
  • Memorandum and Articles of Association of the Company
  • Partnership deed in case of the business entity being a partnership firm
  • Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc.
  • Passport size photograph of all the applicants / co-applicants to be affixed on the Application Form and signed across
  • Cheque for processing fee favouring ‘HDFC Ltd.’
Property Related Documents
For New Homes:
  • Copy of the Allotment Letter / Buyer Agreement
  • Receipt/(s) of payment/(s) made to the developer
For Resale Homes:
  • Title Deeds including previous chain of the property documents
  • Receipt/(s) of initial payment/(s) made to the seller
  • Copy of the agreement to sell (if already executed)
For Construction:
  • Title Deeds of the Plot 
  • Proof of no encumbrances on the property
  • Copy of the plans, approved by the Local Authorities
  • Construction estimate by an Architect / Civil engineer

HDFC LTD Home Loan Documents for Salaried Individual,SEP and Self Employed


Documents for Salaried Individual and SEP Documents for Self Employed
  • Pan Card/Aadhar card/Voter card/Driving license/Passport
  • Last 3 months' Salary Slips
  • Last 6 months' Bank Statements, showing salary credits
  • Latest Form-16 and IT returns
  • Last 6 months' Bank Statements showing repayment of any ongoing loans
  • Pan Card/Aadhar card/Voter card/Driving license/Passport
  • Last 6 months' Current A/c Statements of the business entity and Savings Account Statements of the individual
  • Income Tax Returns along with computation of income for the last 3 Assessment Years (of both the individual and the business entity and attested by a CA)
  • Last 3 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA)
  • Last 6 months' Current A/c Statements of the business entity and Savings Account Statements of the individual
Documents for Salaried Individual and SEP Documents for Self Employed
  • Own Contribution Proof
  • Employment Contract / Appointment Letter in case current employment is less than year old
  • Passport size photograph of all the
  • applicants / co-applicants to be affixed on the Application form and signed across.
  • Cheque for processing fee favouring HDFC Ltd.
  • Own Contribution Proof
  • Business Profile
  • Latest Form 26 AS
  • List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company
  • Memorandum and Articles of Association of the Company
  • Partnership deed in case of the business entity being a partnership firm
  • Details of ongoing loans of the individual and the business entity including the outstanding amount, installments, security, purpose, balance loan term, etc
  • Passport size photograph of all the applicants / co-applicants to be affixed on the Application Form and signed across
  • Cheque for processing fee favoring ‘HDFC Ltd
Property Related Documents
For New Homes:
  • Copy of the Allotment Letter / Buyer Agreement
  • Receipt/(s) of payment/(s) made to the developer
For Resale Homes:
  • Title Deeds including previous chain of the property documents
  • Receipt/(s) of initial payment/(s) made to the seller
  • Copy of the agreement to sell (if already executed)
For Construction:
  • Title Deeds of the Plot 
  • Proof of no encumbrances on the property
  • Copy of the plans, approved by the Local Authorities
  • Construction estimate by an Architect / Civil engineer

Eligibility Criteria for HDFC Ltd Home Loan

Profession/Employee Any person working in a  private limited companies, or public sector undertakings -including central, state, and local bodies
Eligible Age 18 to 65 Years
Work Experience Required Should have at least 2 years experience, of which 1 year with current employer
Minimum Monthly Salary/Income for Eligibility Rs. 25,000

What are the maximum funding and the loan payment term?

Loan Amount Loan Amount
Up to and including Rs.30 lacs 90% of the property cost
Rs.30.01 lacs to Rs.75 lacs 80% of the property cost
Above Rs.75 lacs 75% of the property cost

Types of HDFC Home Loans and Their Processing Fees:


HDFC Home loans Processing Fee
Home Loan Salaried/Self-Employed Professionals (SEP):Up to 0.50% of the loan amount orRs.3,000 whichever is higher, plus applicable taxes
Self-Employed Non-Professionals (SENP):Up to 1.50% of the loan amount or Rs.4,500 whichever is higher, plus applicable taxes.
Plot Loan: Salaried/Self-Employed Professionals (SEP): Up to 0.50% of the loan amount or Rs.3,000 (whichever is higher)
Agriculturists/Self-Employed Non-Professionals:  Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
Rural Housing Loan: Salaried/Self-Employed Professionals:  Up to 0.50% of the loan amount, or Rs.3,000 (whichever is higher)
Self-Employed Non-Professionals (SENP):  Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
Home Improvement Loan Salaried/Self-Employed Professionals (SEP): Up to 0.50% of the loan amount or Rs.3,000 (whichever is higher)
Self-Employed Non-Professionals (SENP):   Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
Home extension Loan Salaried/Self-Employed Professionals (SEP): Up to 0.50% of the loan amount or Rs.3,000 (whichever is higher)
Self-Employed Non-Professionals (SENP):  Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
Top up Loan Salaried/Self-Employed Professionals (SEP): Up to 0.50% of the loan amount or Rs.3,000 (whichever is higher)
Self-Employed Non-Professionals (SENP):  Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
Loan Against Property Salaried/Self-Employed Professionals/Self-Employed Non-Professionals:  Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
Commercial Property Loan Salaried/Self-Employed Professionals/Self-Employed Non-Professionals:    Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
HDFC Reach Home Loans Salaried/Self-Employed:   Up to 2% of the loan amount
Balance Transfer Self-Employed Non-Professionals (SENP): Up to 0.50% of the loan amount or Rs.3,000 (whichever is higher)
Self-Employed Non-Professionals (SENP):   Up to 1.50% of the loan amount, or Rs.4,500 (whichever is higher)
Loan for Non Resident Indian (NRI/PIO) Salaried/Self-Employed Professionals (SEP): Up to 1.25% of the loan amount or Rs.3,000 (whichever is higher)
Self-Employed Non-Professionals (SENP):  Up to 1.25% of the loan amount, or Rs.4,500 (whichever is higher)

Home Loan Floating Rates HDFC Ltd.


HDFC Home Loan Interest Rate for Salaried Interest Rate for Self employed
Home Loan 8.70% p.a. – 9.60% p.a. 8.70% p.a. – 9.80% p.a.
Home improvement Loan 8.70% p.a. – 9.60% p.a. 8.70% p.a. – 9.80% p.a.
Plot Loan 8.90% p.a. – 9.80% p.a. 8.90% p.a. – 10% p.a.
Loan Against Property 9.90% p.a. – 12.30% p.a. 10.15% p.a. – 12.30% p.a.


HDFC Ltd. Home Loan Fixed Rates


HDFC Home Loan Interest Rate for Salaried Interest Rate for Self employed
Home Loan 8.70% p.a. – 9.60% p.a. 8.70% p.a. – 9.80% p.a
Plot Loan 8.90% p.a. – 9.80% p.a 8.90% p.a. – 10% p.a.
Home Improvement Loan 8.70% p.a. – 9.60% p.a. 8.70% p.a. – 9.80% p.a.
Loan Against Property 9.90% p.a. – 12.30% p.a. 10.15% p.a. – 12.30% p.a.

HDFC Ltd Home Loan Features

  • Process is easy, quick and hassle free
  • Low Processing Fee
  • No Hidden Charges
  • Home Loan for all Salaried across corporate and Government Institution employees and Self Employed
  • Loan is offered on the basis of Monthly Salary and present company
  • Exclusive offer for Balance Transfer from other Bank/NBFC.