(Use our HDFC Home Loan EMI Calculator to quickly and accurately plan your home purchase finances and explore the best loan options available.)
Below is a detailed breakdown of how your payments are distributed:
| 🗓 Month | 💸 Principal (P) | 💰 Interest (I) | 💳 Total (P+I) | 💼 Pending |
|---|
Unlock the ease of managing your home loan with our HDFC Home Loan EMI Calculator. This powerful online tool simplifies your financial planning by providing a quick estimate of your monthly EMI payments. Just enter your loan amount, interest rate, and loan tenure to see an instant breakdown of your payments. Whether you’re budgeting for your dream home or optimizing your current loan, our calculator helps you stay in control of your finances with ease and confidence.
Calculating your home loan EMI is straightforward! Just follow these 3 simple steps:
Input the total loan amount you wish to borrow from HDFC for your home purchase. After accounting for any down payment you have made.
Provide the interest rate applicable to your home loan. Rates can vary based on your credit profile and market conditions, typically ranging from 7% to 12%.
Pick the repayment period that suits you best. Loan tenures usually range from 5 years to 30 years, depending on your financial preferences and eligibility.
Once you've entered these details, the calculator will instantly show your monthly EMI. This breakdown includes both principal and interest, helping you understand your financial obligations and plan your home purchase with confidence.
Our HDFC Home Loan EMI Calculator offers a range of valuable benefits to simplify your home loan management:
| Category | Charges |
|---|---|
| Resident Housing Loan (Salaried, Self-Employed Professionals) | Up to 0.50% of the loan amount or ₹3,000/- whichever is higher + applicable taxes/statutory levies |
| Resident Housing Loan (Self-Employed Non-Professionals) | Up to 1.50% of the loan amount or ₹4,500/- whichever is higher + applicable taxes/statutory levies |
| NRI Loans | Up to 1.25% of the loan amount or ₹3,000/- whichever is higher + applicable taxes/statutory levies |
| Value Plus Loans | Up to 1.50% of the loan amount or ₹4,500/- whichever is higher + applicable taxes/statutory levies |
| HDFC Bank Reach Scheme Loans | Up to 2.00% of the loan amount + applicable taxes/statutory levies |
| Re-appraisal of Loan (After 6 Months) | ₹2,000/- + applicable taxes/statutory levies |
| Delayed Instalment Payment | 18% p.a. on overdue instalment amounts |
| Processing Charges | Maximum of 1% of loan amount (min ₹7,500/-) |
| Pre-Payment/Part Payment Charges |
- Within 1 year: 6% - 13-24 months: 5% - Post 24 months: 3% |
| Factor | Criteria |
|---|---|
| Age | 18-70 years |
| Profession | Salaried / Self Employed |
| Nationality | Resident Indian |
| Tenure | Up to 30 years |
| Loan Amount | Funding Percentage |
|---|---|
| Up to ₹30 lakhs | 90% of the property cost |
| ₹30.01 lakhs to ₹75 lakhs | 80% of the property cost |
| Above ₹75 lakhs | 75% of the property cost |
| Category | Details |
|---|---|
| Eligibility Criteria | Details |
| Employment Type | Salaried individuals, self-employed professionals, and businesses |
| Age | 21 to 70 years |
| Job/Business Experience | Minimum 2 years of employment or business experience |
| Minimum Income | ₹3,00,000 per annum |
| Category | Documents Required |
|---|---|
| Mandatory Documents | PAN Card or Form 60 (if PAN Card is not available) |
| Identity & Address Proof |
Any one of the following: Passport, Driving License, Voter ID Card, Job Card issued by NREGA, National Population Register letter, Aadhar Card (if voluntarily submitted) |
| Salaried Individuals |
Income Proof: Last 3 months' salary slips, Last 6 months' bank statements showing salary credits, Latest Form 16 and IT returns Property Documents: Copy of the Allotment Letter / Buyer Agreement (for new home purchase), Receipt(s) of payment(s) made to the developer Other Requirements: Proof of own contribution, Employment Contract (if less than 1 year with current employer), Last 6 months' bank statements showing loan repayments, Passport-sized photograph, Cheque for processing fee |
| Self-Employed Professionals |
Income Proof: Income Tax Returns for the last 2 years, Balance Sheet and Profit & Loss Statements for the last 2 years Property Documents: Title Deeds, Proof of no encumbrances, Approved plans (for construction on a plot) Other Requirements: Proof of own contribution, Business Profile, Latest Form 26 AS, Memorandum and Articles of Association, Partnership deed (if applicable), Details of ongoing loans |
| Self-Employed Non-Professionals |
Income Proof: Income Tax Returns for the last 2 years, Balance Sheet and Profit & Loss Statements for the last 2 years Property Documents: Title Deeds, Proof of no encumbrances, Approved plans (for construction on a plot) Other Requirements: Proof of own contribution, Business Profile, Latest Form 26 AS, Partnership deed (if applicable), Details of ongoing loans |
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