2 Crore HDFC Home Loan

HDFC 2 crore home loan is a groundbreaking financial option designed to fulfil those who dream big. Eligible applicants can use the loan amount to purchase, construct, or renovate their existing homes. Moreover, there is no need for a substantial down payment to secure the necessary funds. The bank typically allows you to pay just 10-25% of the total property value as a down payment. This means you can avail of the remaining 75-90% of the property value to bring your dream home to life. Let’s scroll down and learn more about this borrower-friendly financing option. Hereunder, we will cover details such as HDFC home loan interest rates for ₹2 crore, its eligibility criteria, document requirements, applicable fees, and more.

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Table of Content

1. 2 Crore HDFC Home Loan Highlights

2. 2 Crore HDFC Home Loan EMI for 10 Years

3. 2 Crore HDFC Home Loan EMI for 20 Years

4. 2 Crore HDFC Home Loan Fees and Charges

5. Documents Required For 2 Crore HDFC Home Loan

6. Eligibility Criteria For 2 Crore HDFC Home Loan

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

2 Crore HDFC Home Loan – Highlights

Let’s take a look at the key parameters of the HDFC ₹2 crore home loan:

Interest Rates	8.75% p.a. onwards
Loan Amount	Up to 90% of the property price.
Loan Tenure	Maximum 30 years
Eligibility	Both salaried and self-employed individuals are eligible.

2 Crore HDFC Home Loan EMI for 10 Years

Following are the ₹2 crore home loan EMI for 10 years with HDFC Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Payment
₹2 Crore	8.75% p.a.	10 years	Rs 2,50,654	Rs 1,00,78,420	Rs 3,00,78,420

2 Crore HDFC Home Loan EMI for 20 Years

Let’s take a look at the estimated ₹2 crore home loan EMI in HDFC for a 20-year loan tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Payment
₹2 Crore	8.75% p.a.	20 years	Rs 1,76,742	Rs 2,24,18,114	Rs 4,24,18,114

2 Crore HDFC Home Loan – Fees and Charges

Here are the fees and charges associated with an HDFC ₹2 crore home loan:

Fee/Charge	Amount
Processing Fee	Up to 1.50 % of the Loan amount or Rs. 4500, whichever is higher + applicable taxes
Prepayment Charges	Up to 2% of the payment amount
Additional Interest	Up to 18% p.a. on overdue instalment amounts.
Incidental Charges	At actuals
Stamp Duty/ MOD/ MOE/ Registration	As applicable in the respective States.
Fees levied by entities such as CERSAI	At actuals

Documents Required For 2 Crore HDFC Home Loan

Following are the required documents for an HDFC ₹2 Crore Home Loan:

Proof of Identity: PAN Card, Passport, Voter ID or Driving License.

Proof of Address: Recent copy of Utility Bills, Passport, Driving License or Aadhaar Card.

Proof of Income: Salaried applicants must provide their last 3 months’ salary slips, 6 months’ bank statements reflecting salary credits, and the latest Form 16 or income tax returns. Self-employed applicants should submit the last 2 years’ income tax returns, the latest 2 years’ balance sheet and profit and loss statements, and the past 12 months’ current account statements for the business entity, along with individual savings account statements.

Proof of Property: Allotment letter or buyer’s agreement, receipt of payment made to the developer.

Eligibility Criteria For 2 Crore HDFC Home Loan

Following are the ₹2 Crore home loan eligibility in HDFC bank:

Your age must be between 21 to 65 years.
You must be a salaried or self-employed individual.
You must have a regular source of income to cover the repayment.
You must have a good credit score and repayment history.
You must be an Indian citizen.