30 Lakh HDFC Home Loan

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HDFC stands as a prominent lender in India, specialising in housing loans with a wide selection of options to suit various customer requirements. The loan offerings are tailored to individual borrowers, taking into account factors such as eligibility, creditworthiness, and property value. HDFC Bank provides competitive home loan interest rates, starting at 8.50% per annum. These rates apply to a range of loan types, including Home Loans, Balance Transfer Loans, House Renovation, and Home Extensions Loans.

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Table of Content

1. 30 Lakh Home Loan HDFC Bank Highlights

2. 30 Lakh HDFC Bank Home Loan EMI for 10 years

3. 30 Lakh HDFC Bank Home Loan EMI for 20 Years

4. 30 Lakh HDFC Bank Home Loan Fees and Charges

5. 30 Lakh HDFC Bank Home Loan Documents Required

6. Eligibility Criteria For 30 Lakh HDFC Bank Home Loan

Written By

Kirti Bansal

Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of finance.

Reviewed By

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.

30 Lakh Home Loan HDFC Bank – Highlights

You can obtain a home loan of 30 Lakh from HDFC Bank under the following conditions:

Loan Amount	35,00,000
Interest Rate (p.a.)	Starting from 8.50*% p.a
Loan Tenure	Up to 30 Years
Loan-to-Value Ratio (LTV)	Up to 80% of the property’s value

30 Lakh HDFC Bank Home Loan EMI for 10 years

The EMI payment for a loan taken for 10 years can be determined using the initial interest rate of 8.50% per annum.

Loan Amount	30 Lakh
Rate of Interest (p.a.)	8.50 %
Loan Tenure	10 Years
EMI	₹37,196

30 Lakh HDFC Bank Home Loan EMI for 20 Years

The EMI payment for a loan taken for 20 years can be determined using the initial interest rate of 8.50% per annum.

Loan Amount	30 Lakh
Rate of Interest (p.a.)	8.50 %
Loan Tenure	20 Years
EMI	₹26,035

30 Lakh HDFC Bank Home Loan – Fees and Charges

In addition to the 30 Lakh HDFC Bank home loan interest rate, other fees apply to home loans. These fees include:

Processing Fee and Charges: Upto 0.50% of the loan amount + Applicable Taxes
Stamp Duty/ MOD/ MOE/ Registration
Fees/ Charges levied by entities such as CERSAI
Fees/ Charges levied by third parties such as mortgage guarantee company

30 Lakh HDFC Bank Home Loan – Documents Required

For HDFC home loan approval, you need to submit the following documents along with the completed and signed home loan application form:

Identity and Residence (KYC)
Proof of Income
Property Related Documents
Other Documents for Home Loan

Eligibility Criteria For 30 Lakh HDFC Bank Home Loan

Eligibility Criteria for a 30 Lakh HDFC Bank Home Loan is as follows:

Age Limit: 18-65 years
Nature of Employment: Self-Employed/ Salaried Individuals/ Agriculturists
Minimum Income: Minimum Income of ₹20,000 per month for Delhi, Mumbai, Bangalore, Pune, and Chennai residents.
Nationality: Indian
2 years of work experience and at least 6 months in the current organisation is required for a salaried applicant.
A minimum of 3 years in business or profession is required for a self-employed applicant.

Frequently Asked Question (FAQs)

What is the EMI for 30 Lakh Home Loan for 20 years in HDFC Bank?

The EMI for a 30 Lakh Home Loan for 20 years in HDFC Bank would be ₹26,035.

Who is eligible for a 30 Lakh Home Loan in HDFC Bank?

HDFC Bank offers home loans of up to 30 lakh to eligible applicants, including salaried employees, self-employed professionals, and business owners. Eligibility is based on factors such as age, income stability, credit score, and existing debts. Both Indian residents and NRIs can apply, as long as they meet the bank's criteria.

What is the monthly interest rate of a 30 Lakh Home Loan in HDFC Bank?

The monthly interest rate of a 30 lakh Home Loan in HDFC Bank starts at 8.50%.

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