35 Lakh HDFC Home Loan

The HDFC Bank 35 lakh home loan is among India's most sought-after home loans. Borrowers prefer the loan for the flexibility of repayments offered by the bank. Every borrower can comfortably repay the loan in Equated Monthly Instalments (EMIs) over 30 years. These EMIs are influenced by multiple factors, among which interest rate and loan tenure play an important role.

The higher the loan tenure, the smaller will be the EMI. The HDFC Bank home loan interest rate for 35 lakhs starts at 8.75% p.a.

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Table of Content

1. 35 Lakh Home Loan HDFC Bank Highlights

2. 35 Lakh HDFC Home Loan EMI for 10 years

3. 35 Lakh Home Loan EMI for 20 years at HDFC Bank

4. 35 Lakh HDFC Bank Home Loan Fees and Charges

5. 35 Lakh HDFC Bank Home Loan Documents Required

6. 35 Lakh HDFC Bank Home Loan Eligibility Criteria

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Written By
Kirti Bansal
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
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.

35 Lakh Home Loan HDFC Bank – Highlights 

An HDFC Bank 35 Lakh home loan is available at the following terms:

Maximum Loan Amount 35,00,000
Interest Rate (p.a.) 8.75% – 9.40% 
Loan Tenure Up to 30 Years
Loan-to-Value Ratio (LTV) Up to 80% of the property’s value

35 Lakh HDFC Home Loan EMI for 10 years

Here is the EMI payment if the loan is borrowed for 10 years. The calculations are based on the starting rate of 8.75% p.a.

Loan Amount 35 lakh
Rate of Interest (p.a.) 8.75 % 
Loan Tenure 10 Years
EMI ₹43,864

35 Lakh Home Loan EMI for 20 years at HDFC Bank

For a loan term of 20 years, a borrower can repay the loan by paying the following monthly EMIs:

Loan Amount 35 lakh
Rate of Interest (p.a.) 8.75 % 
Loan Tenure 20 Years
EMI ₹30,930

35 Lakh HDFC Bank Home Loan – Fees and Charges 

Home loans are subject to certain additional charges apart from the HDFC Bank home loan interest rate of 35 lakhs. These include:

  1. Processing Fee: Up to 2% of the loan amount plus GST
  2. GST: 18% Goods and Services Tax
  3. Other Charges: Stamp duty, incidental costs, third-party fees, etc.

35 Lakh HDFC Bank Home Loan – Documents Required 

A borrower should keep the following documents handy while applying for an HDFC Bank 35 lakh home loan.

  1. Mandatory Documents: Loan Application and PAN Card
  2. KYC Documents: Aadhar Card, Voter’s ID, Utility Bills
  3. Income Proofs: Last three months’ salary slips, two years income tax returns, two years’ Balance Sheet and P&L account
  4. Property Documents: Title deed, Sales agreement, Allotment letter, others

35 Lakh HDFC Bank Home Loan – Eligibility Criteria

The 35 Lakh home loan eligibility for HDFC Bank customers is as follows:

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