DHFL Home Loan - First Attempt Financial Solutions

DHFL
Home Loan

Looking for a home loan to make the house of your dreams? Try the highly
affordable DHFL home loan schemes and avail a home loan at attractive
interest rates starting at just 8.75% p.a. For 30 years. Easy to apply for and
procure, this DHFL offers a home loan of upto 90% valueof the property
. Read on to explore all the DHFL home loan details and more.

Interest Rates	8.75%
Loan Amount	Loan up to 90% of Project cost
Processing Fees	Up to 0.50% of the Loan amount
Penal Interest Rate	2% per month
Prepayment/Foreclosure Charges	Nil for floating Interest rate
Max Tenure	Up to 30 Years
EMI	Rs. 787 Per Lakh

Additional Info: Also check DHFL Loan Against Property

DHFL Home Loan interest rates starting at 8.75% p.a.
Simple documentation process
A wide range of DHFL housing loan products to purchase ready to shift or under construction house/ flat or even a resale property.
You can get loan of up to 90% of your property’s value, depending on the loan amount
You can choose tenure of 1 to 30 years. The maximum tenure cannot be extended beyond your retirement age or 60 years (for salaried individuals) and 70 years (for self-employed individuals), whichever is earlier.
You can apply for a DHFL Home Loan independently or a co-applicant

Also Check – Home Loan Tax Benefit

The current interest rate for DHFL Home Loan interest rate starts at 8.75% per annum.

Any salaried or self-employed individual (professional or non-professional) who is a resident of India and whose age is between 18 years to 60 years (70 for self-employed) is eligible for a Home Loan. The eligibility criteria for home loan may change as per the chosen Home Loan scheme.

Eligibility factors for HDFL Home Loans
Profession	Salaried/ self-employed professional/ self-employed non-professional or business owner
Age	Minimum 21 at the time of loan application and maximum 65 years at the time of loan maturity
Resident Type	An Indian resident or Non Resident Indian (NRI)

Also Check – Home Loan Eligibility Criteria of DHFL Bank

To apply for DHFL Home Loan, you need to have the following documents in place:

Type of Applicant	Document Type	Documents Accepted
Salaried Individuals	KYC Documents	ID and Address Proof: Passport, Voter’s ID Card, Driving License, Aadhaar Card (any one of these), and PAN Card Residence Proof: Ration Card, Utility Bill, Letter from Employer, Bank Statement, Passbook, Sale Deed, Valid Rent Agreement (any one)
	Income Documents	Last 2 months’ salary slips or salary certificate For Cash Salary: Income details mentioned on Company Letterhead Last 3 months’ copy of bank statements (salary account)
	Property Documents	Agreement of Sale Allotment letter & NOC from builder Registration & stamp duty receipt Index- ii Own Contribution Receipt All builder linked documents (for cases that are not approved or not funded previously by DHFL) Partnership Deed Development Agreement Tripartite Agreement Sale Deed Title Search Report NA order
Self-employed Professionals	KYC Documents	ID and Address Proof: Passport, Voter’s ID Card, Driving License, Aadhaar Card (any one of these), and PAN Card Residence Proof: Ration Card, Utility Bill, Letter from Employer, Bank Statement, Passbook, Sale Deed, Valid Rent Agreement (any one)
	Income Documents	Qualification Certificate for professionals like Doctors, CA, or Architects Copy of last 2 years IT computation of income, P&L account with all schedules & audited balance sheet VAT/ Service Tax returns/ TDS Certificate Last 6 months’ bank statement of savings account, current account & O/D account
	Property Documents	Agreement of Sale Allotment letter & NOC from builder Registration & stamp duty receipt Index- ii Own Contribution Receipt All builder linked documents (for cases that are not approved or not funded previously by DHFL) Partnership Deed Development Agreement Tripartite Agreement Sale Deed Title Search Report NA order
Self-employed Non-professionals	KYC Documents	ID and Address Proof: Passport, Voter’s ID Card, Driving License, Aadhaar Card (any one of these), and PAN Card Residence Proof: Ration Card, Utility Bill, Letter from Employer, Bank Statement, Passbook, Sale Deed, Valid Rent Agreement (any one)
	Income Documents	Copy of last 2 years IT computation of income, P&L account with all schedules & audited balance sheet VAT/ Service Tax returns/ TDS Certificate Last 6 months’ bank statement of savings account, current account & O/D account
	Property Documents	Agreement of Sale Allotment letter & NOC from builder Registration & stamp duty receipt Index- ii Own Contribution Receipt All builder linked documents (for cases that are not approved or not funded previously by DHFL) Partnership Deed Development Agreement Tripartite Agreement Sale Deed Title Search Report NA order
Non-resident Indians (NRIs)	KYC Documents	ID and Address Proof: Passport, Voter’s ID Card, Driving License, Aadhaar Card (any one of these), and PAN Card Residence Proof: Ration Card, Utility Bill, Letter from Employer, Letter from Recognised Public Authority, Bank Statement, Passbook, Sale Deed, Valid Rent Agreement, Overseas Address Proof if available (any one)
	Income Documents	Last 2 months’ salary slips or salary certificate Work Permit/ any other employment proof which is issued by concerned government/ employer W2 or Overseas IT payment details (if applicable) Last 6 months’ copy of all overseas bank account statements (updated until the end of previous month). DHFL also accepts Net Banking PDF copy Copy of last 6 months’ NRO/ NRE Bank accounts (updated until the end of previous month). DHFL also accepts Net Banking PDF copy
	Property Documents	Agreement of Sale Allotment letter & NOC from builder Registration & stamp duty receipt Index- ii Own Contribution Receipt All builder linked documents (for cases that are not approved or not funded previously by DHFL) Partnership Deed Development Agreement Tripartite Agreement Sale Deed Title Search Report NA order

Also Check: Monetary Policy

Charge Description	Amount payable
Processing fee for Salaried/Self-employed Professional (non-refundable)	Rs. 5,000 to Rs. 20,000 (depends on your loan amount) + document charges + applicable GST Minimum Login Fees: Rs. 2,500 or applicable processing fee (whichever is lower) + applicable GST
Processing fee for Self-employed Non-professional (non-refundable)	For Net PAT: 0.5% of loan amount + applicable GST For Others: 1.5% of loan amount + applicable GST
CERSAI registry or modification charges	Rs. 50 + applicable GST for loan amount of up to 5 Lakhs Rs. 100 + applicable GST for loan amount of above 5 Lakhs
Technical fee for additional property or property located outside geographical limit or for pre-technical	No charges for within 60 km radius Rs. 500 + applicable GST (for beyond 60 km) for first visit and 750 + applicable GST for subsequent visits
Valuation fee for construction linked loan cases	No charges for first visit Rs. 500 + applicable GST for subsequent visits
Charges for part-prepayment	Within 6 months: Part-prepayment not allowed After 6 months: No charges (if borrower and co-borrower is individual) and 2% of amount being prepaid + applicable GST (if borrower and co-borrower non-individual)
Charges for foreclosure or full prepayment	Within 6 months: Foreclosure not allowed After 6 months: No charges (if borrower and co-borrower is individual) and 2% of amount being prepaid + applicable GST (if borrower and co-borrower non-individual)
Cheque/ ECS bounce charges	Rs. 500 + applicable GST
Overdue charges on default instalment	18% p.a. on the dues outstanding
Demand Draft or Pay Order issuance charges	Rs. 150 per lakh or bank charges (whichever is higher) + applicable GST
Cheque or ECS Swapping Charges (per swap)	Rs. 250 + applicable GST
Charges for collection pick-up	Rs. 250 per visit + applicable GST
Prepayment charges for plot loans or easy land-cum-construction loans	3% + Applicable GST in case the dwelling unit is not constructed on the plot within 3 years from the date of the first disbursement of the loan.
Charges for duplicate No Dues Certificate	Rs. 250 + applicable GST
Charges for copy of property papers	Rs. 500 + applicable GST
Charges for statement of account or provisional IT certificates	First: No charges Subsequent: Rs. 250 + applicable GST
Charges for document retrieval on closure of loan	For loans up to Rs. 10 Lakhs: 1,000 + applicable GST For loans above Rs. 10 Lakhs: 2,000 + applicable GST
Custodian fee for keeping property papers in closed DHFL Home Loans	Rs. 500 per month applicable after 60 days of closing the DHFL Home Loans + Applicable GST

Also Read – Home Loan Processing Fees of All Banks/NBF

DHFL Home Loan comes with various benefits. Here are some reasons why you should opt for this loan:

Loan available for both salaried and self-employed
Special interest rates for women borrowers
Low interest rates on home loan
DHFL Home Loan articulation or amortisation plan gives you a month to month interest payments and yearly interest payments which can assist you with claiming derivations of your Home Loan interest payments under section 24 of Income Tax Act, 1961.
You are qualified for tax benefits under Section 80C of the Income Tax Act, 1961 on repayment of the loan (on principal as well as interest amount).
Easy repayment options through post-dated cheques, Electronic Clearance System (ECS), National Automated Clearing House (NACH). In ECS/NACH your EMI will specifically deduct from your bank account on each due date.

Also Read – Why You Must File Your ITR if You Want a Home Loan

New Home Loans

Features of DHFL New Home Loans

Purpose: To purchase ready to shift/ under construction house/ flat/ resale property

Tenure: Up to 30 years

Loan Amount: Up to 90% of property’s cost

Interest Rate: Starting at 8.75%

Home Renovation Loans

Features of DHFL Home Renovation Loans

Purpose: for redesigning your home and giving it a new look

Tenure: Up to 10 years

Loan Amount: Up to 100% of improvement cost or maximum 90% of its market value (whichever is lower) if the loan amount is up to 30 Lakhs. The estimated cost for improvement shall be duly verified by a Technical Officer.

Interest Rate: Starting at 8.75%

Home Construction Loans

Features of DHFL Construction Loans

Purpose: For construction of your dream house on your own plot

Tenure: Up to 30 years

Loan Amount: Up to 100% of construction cost or maximum 90% of its market value (whichever is lower) if the loan amount is up to 30 Lakhs. The estimated cost for construction shall be duly verified by a Technical Officer.

Interest Rate: Starting at 8.75%

Home Extension Loans

Features of DHFL Home Extension Loans

Purpose: Loan for adding extra space (like bedroom, an extra room, etc.) to your existing home

Tenure: Up to 30 years

Loan Amount: Up to 100% of construction cost or maximum 90% of its market value (whichever is lower) if the loan amount is up to 30 Lakhs. The estimated cost for extension shall be duly verified by Chartered Engineer/ Architect.

Interest Rate: Starting at 8.75%

Plot Loans

Features of DHFL Plot Loans

Purpose: Loan for purchasing a piece of land to construct a home

Tenure: Up to 20 years

Loan Amount: Up to 75% of the plot’s value

Interest Rate: Starting at 10.25%

Home Loan Balance Transfer

Features of DHFL Home Loan Balance Transfer

Purpose: Loan to help you reduce interest rate on existing high-interest Home Loan by transferring it to DHFL.

Tenure: Up to 30 years

Loan Amount: Up to 5 Crores

Interest Rate: Starting at 8.75%

Plot & Construction Loans

Features of DHFL Plot and Construction Loans

Purpose: Loan to buy a plot of land as well as to construct your home on it

Tenure: Up to 30 years

Loan Amount: Depends on applicant’s annual income and repayment ability

Interest Rate: Starting at 8.75%

NRI Home Loans

Features of DHFL NRI Home Loans

Purpose: Loan to NRIs to help them realise their dream of buying their own home/ plot, or renovate/ extend their existing home in India.

Tenure: Up to 20 years

Loan Amount: Depends on applicant’s annual income and repayment ability

Interest Rate: Starting at 10%

Pradhan Mantri Awas Yojana (PMAY)

Benefits of Pradhan Mantri Awas Yojana

Purpose: The government of India offers an affordable Home Loan to buy a ‘pucca’ residential house.

Tenure: Up to 30 years

Loan Amount: Depends on applicant’s annual income and repayment ability

Interest Rate Subsidy:

For loan amount of up to 6 Lakhs @6.5% p.a. for up to 20 years tenure: 2.67 Lakhs
For loan amount of up to 9 Lakhs @4% p.a. for up to 20 years tenure: 2.35 Lakhs
For loan amount of up to 12 Lakhs @3% p.a. for up to 20 years tenure: 2.30 Lakhs

Additional Info: Also check DDA Housing Scheme 2022

Applying for the DHFL Home Loan on fastmudra is a simple process:

Visit our official website of fastmudra
Go to Home Loan section
Select your gender
Choose the city of your residence
Check out the purpose of the loan. Each loan product has a distinct procedure to follow.
Finalise the city where you intend to purchase the property
Provide information about the approximate value of the property you intend to purchase
Submit details about your employment type, annual income, required loan amount, and a few personal details.
Enter your phone number and email address
Accept the terms and conditions and proceed further
You will get an OTP on your mobile number
Enter the OTP

You can now choose the loan provider as DHFL Home Loans:

Keep your documents ready for verification
The fastmudra team will contact you and assist you in applying for the Home Loan to the bank of your choice. This service is free of cost.
The marketing team from DHFL Home Loans will contact you to verify the documents
You have to arrange for the valuation and legal scrutiny. DHFL has advocates and evaluators on its panel to do the job.
DHFL official would like to have a personal interview with the prospective borrower to assess the income level, property, investments, credit history, and the source of funds to meet the margin requirements.
On completion of the verification process, DHFL would proceed with the processing of the loan application.
On the approval of the loan, DHFL would provide the loan offer letter containing the terms and conditions of the sanction.
You have to accept the terms and conditions and return one copy of the letter duly signed
The execution of the Home Loan documents is the next step
The banks will disburse the loan as per the terms of the sanction
Proceed with the creation and registration of the equitable mortgage

Additional Info: Also check DHFL Home Loan Balance Transfer

You can use the DHFL Home Loan EMI Calculator at fastmudra to determine your EMI for DHFL Home Loan.

Here are the steps to follow:

Visit www.fastmudra.in
Go to EMI Calculator under Financial Tools tab
Enter the loan amount you require, tenure, and rate of interest for your Home Loan
Click on Calculate button

You get the complete information which includes your loan EMI, total interest payable on loan, and total payable loan amount (principal + interest).

Also Read: 20 Lakh Home Loan

You can contact DHFL Customer Care at their following Toll-Free numbers:

1800 3000 1919 or 1800 22 34 35

Corporate address:

National Housing Bank

Department of Regulation & Supervision,

4th Floor, Core 5A,

India Habitat Centre,

Lodhi Road,

New Delhi – 110 003

Customers can also book a complaint by writing an email to the customer care team of DHFL. Their email address is – response@DHFL.com

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fastmudra is India’s largest phygital loan distributor. With trust of 70 lakh customers, we assure hassle free access to the best Home Loans up to 10 crore for housing loan borrowers in India. Our service is 100% free. We use latest technology and AI to serve customers across the length & breadth of our diverse country. Check Eligibility & Apply.

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DHFL
Home Loan

New Home Loans

Home Renovation Loans

Home Construction Loans

Home Extension Loans

Plot Loans

Home Loan Balance Transfer

Plot & Construction Loans

NRI Home Loans

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