HDFC Home Loan Interest Rates 2025
HDFC Bank and HDFC Ltd offer competitive home loans. Current rates (2025):
- HDFC Home Loan (HDFC Bank): 8.70% – 9.95% p.a.
- HDFC Home Loan (HDFC Ltd): 8.70% – 9.55% p.a.
- Self-employed borrowers: Slightly higher rates apply
HDFC Home Loan Features
- Processing fee: Up to 0.5% of loan amount + GST
- Maximum tenure: 30 years
- No prepayment charges on floating rate loans
- Doorstep service available
- PMAY subsidy applicable for eligible borrowers
HDFC Home Loan EMI at 8.70% Interest
- ₹25 lakh / 20 years → ₹22,049/month
- ₹50 lakh / 20 years → ₹44,098/month
- ₹75 lakh / 20 years → ₹66,148/month
- ₹1 crore / 20 years → ₹88,197/month
Frequently Asked Questions
What is the current HDFC home loan rate in 2025?
HDFC home loan rates in 2025 start from approximately 8.70% per annum. The exact rate depends on loan amount, tenure, income, and CIBIL score.
How is HDFC different from SBI for home loans?
Both offer competitive rates. SBI rates are typically slightly lower for salaried borrowers. HDFC may offer more flexible processing and faster disbursal. Compare both before deciding.
Can I switch my existing home loan to HDFC?
Yes, balance transfer is available. HDFC may offer a lower rate than your current lender. Factor in transfer costs (processing fee, legal charges) before switching.
What documents are needed for HDFC home loan?
Income documents (salary slips, ITR), identity proof, address proof, property documents, bank statements (6 months), and passport-sized photos.