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
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 |
|
Income Documents |
| |
Property Documents | Agreement of Sale Allotment letter & NOC from builder
| |
Self-employed Professionals | KYC Documents |
|
Income Documents |
| |
Property Documents |
| |
Self-employed Non-professionals | KYC Documents |
|
Income Documents |
| |
Property Documents |
| |
Non-resident Indians (NRIs) | KYC Documents |
|
Income Documents |
| |
Property Documents |
|
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:
Also Read – Why You Must File Your ITR if You Want a Home Loan
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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:
|
Additional Info: Also check DDA Housing Scheme 2022
Applying for the DHFL Home Loan on fastmudra is a simple process:
You can now choose the loan provider as DHFL Home Loans:
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:
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
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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