3 Crore HDFC Home Loan

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HDFC Bank’s 3 crore home loan can be used to finance the most luxurious of homes. Among the many features of this loan is its flexible repayment option. Borrowers can comfortably settle the loan in easy EMIs. Before borrowing a loan, it is wise to check its EMI obligations. Today, we discuss the EMI schedule for HDFC’s 3 crore home loan for 10 and 20 years. 

The HDFC Bank home loan of 3 crore EMIs depends heavily on loan tenure. As the loan tenure increases, the monthly repayments decrease. Stay tuned to find out how changing loan tenure, along with applicable interest rate, impacts the loan’s EMIs. 

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Table of Content

1. 3 Crore HDFC Home Loan Highlights

2. 3 Crore Home Loan EMIs for 10 Years at HDFC Bank

3. 3 Crore Home Loan EMIs for 20 years at HDFC Bank

4. 3 Crore HDFC Bank Home Loan Fees and Charges

5. 3 Crore HDFC Bank Home Loan Documents Required

6. 3 Crore HDFC Bank Home Loan Eligibility Criteria

Read more
Written By
Thejus KS
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
Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

3 Crore HDFC Home Loan – Highlights 

The HDFC Bank’s 3 crore home loan is available on the following terms.

Loan Amount 3,00,00,000
Interest Rate (p.a.) 8.75% – 9.40% 
Maximum Loan Tenure 30 Years
Maximum Loan-to-Value Ratio (LTV) 75% of the property’s value

3 Crore Home Loan EMIs for 10 Years at HDFC Bank 

The HDFC Bank home loan interest rate for 3 crore starts at 8.75% per annum. Take a look at its monthly EMI on a loan tenure of 10 years. 

Loan Amount 3 crore
Rate of Interest (p.a.) 8.75 % 
Loan Tenure 10 Years
EMI ₹ 3,75,980

3 Crore Home Loan EMIs for 20 years at HDFC Bank

Here is the EMI schedule for the loan on a loan tenure of 20 years at the same rate of interest. 

Loan Amount 3 crore
Rate of Interest (p.a.) 8.75 % 
Loan Tenure 20 Years
EMI ₹2,65,113

3 Crore HDFC Bank Home Loan – Fees and Charges 

Apart from the HDFC Bank home loan interest rate of 3 crore, the following additional charges are also payable on the loan:

  • Processing Fee: A processing fee of 0.50%-2.00% of the loan amount plus GST
  • GST: An 18% Goods and Services Tax (GST)
  • Other Charges: Several charges like third-party fees, incidental costs and document verification charges are also applicable.

3 Crore HDFC Bank Home Loan – Documents Required

An HDFC Bank 3 crore home loan borrower is required to submit the following documents:

  • Loan Application Form
  • PAN Card/ Form 60 (Compulsory)
  • ID Proof: Aadhar Card, Voter’s ID, Driver’s License, etc.
  • Address Proof: Recent utility bills, Aadhar Card, Other proofs
  • Income Proofs: Last 3 months’ salary receipts, Last 2 years’ Balance Sheet and P&L account, Last 2 years’ income tax filings etc.
  • Property Documents: Allotment Letter, Sale Agreement, Title Deed

3 Crore HDFC Bank Home Loan – Eligibility Criteria 

The 3 crore home loan eligibility HDFC Bank criteria are as follows:

  1. Eligible Applicants: Salaried Individuals/Self-Employed/ Agriculturists
  2. Residents: Indian residents/ NRIs
  3. Age Limit: 18-70 years
  4. Minimum Income: As per bank’s T&Cs
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