25 Lakh HDFC Home Loan

With an HDFC 25 Lakh Home Loan, you can buy, build, or even renovate your existing house. To obtain this versatile home loan, you may provide some form of security or collateral to the bank, such as the property or house you intend to acquire with the loan amount. However, eligible applicants can enjoy a competitive interest rate, flexible repayment terms, minimal documentation, quick fund disbursal, and more.

As the perfect home starts with the right home loan, Urban Money presents a succinct overview of this borrower-friendly financing option. We primarily cover key details, including the HDFC home loan interest rate of 25 lakhs, eligibility criteria, document requirements, and other associated fees. Furthermore, we will illustrate the 25 lakh home loan EMI in HDFC for varying tenures, such as 10 and 20 years.

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Table of Content

1. 25 Lakh HDFC Home Loan Highlights

2. 25 Lakh HDFC Home Loan EMI for 10 Years

3. 25 Lakh HDFC Home Loan EMI for 20 Years

4. 25 Lakh HDFC Home Loan Fees and Charges

5. 25 Lakh HDFC Home Loan Documents Required

6. 25 Lakh HDFC Home Loan Eligibility Criteria

Written By

Thejus KS

A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.

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.

25 Lakh HDFC Home Loan – Highlights

Here are the key parameters you might be aware of before applying HDFC 25 lakh home loan.

Highlights
Interest Rates	8.50% – 9.40% p.a., depending on the loan amount, tenure, credit score, and other pertinent components
Processing Fees	0.50% of the amount of the loan or Rs 3,000, whichever is higher
Loan Amount	75% – 90% of the property cost
Loan Tenure	Up to 30 years
Eligibility	Both salaried and self-employed individuals, who have a regular source of income

25 Lakh HDFC Home Loan EMI for 10 Years

Following is the information concerning a 25 lakh home loan EMI in HDFC for a 10-year loan tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total amount Payment
Rs 25 Lakh	8.50% p.a.	10 years	Rs 30,996	Rs 12,19,571	Rs 37,19,571

25 Lakh HDFC Home Loan EMI for 20 Years

Following is the information concerning a 25 lakh home loan EMI in HDFC for a 20-year loan tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total amount Payment
Rs 25 Lakh	8.50% p.a.	20 years	Rs 21,696	Rs 27,06,939	Rs 52,06,939

25 Lakh HDFC Home Loan – Fees and Charges

Let’s examine the fees and charges associated with the HDFC 25 lakh home loan:

Fee/Charge	Amount
Processing Fee	0.50% of the amount of the loan or Rs 3,000, whichever is higher
Prepayment charges	2% of the prepayment amount plus taxes
Late payment charges	Up to 18% p.a. on overdue instalment amounts.
Cheque bounce charges	Rs 500
Repayment mode swap charges	Rs 500
Stamp duty & other statutory charges	As per applicable laws of the state
Loan cancellation Charges	Rs 1000

25 Lakh HDFC Home Loan – Documents Required

The following are the required documents that you may need to submit along with your HDFC 25 lakh home loan application:

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 Property: Copy of the allotment letter or buyer agreement, and receipt of payment made to the developer.

Proof of Income: Salaried applicants need to submit their employment contract or appointment letter, recent salary slip, and 6 months’ bank statements. Self-employed applicants must submit their business profile or address proof, the latest Form 26 AS, memorandum and articles of association of the company, and 6 months’ bank statements.

Other Documents: Cheque for processing fee, passport size photograph of all the applicants and co-applicants.

25 Lakh HDFC Home Loan – Eligibility Criteria

25 lakh home loan eligibility in HDFC Bank is as follows:

You must be a salaried or self-employed individual.
Your age must fall within the range of 21 to 65 years.
You should have a sufficient monthly income to cover the monthly repayment.
You must have a good credit score and repayment history.
You must be an Indian citizen.