35 Lakh HDFC Home Loan
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- 4 Crore HDFC Home Loan EMI
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- 85 Lakh HDFC Home Loan EMI
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- 5 Crore HDFC Home Loan EMI
- 90 Lakh HDFC Home Loan EMI
- 45 Lakh HDFC Bank Home Loan EMI
- HDFC Home Loan for Bank Employees
- HDFC Home Loan for Government Employees
- HDFC Home Loan for Salaried Person
- HDFC Home Loan for Self Employed
- HDFC Home Loan for Senior Citizens
- HDFC Home Loan for Women & Housewife
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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Reviewed By35 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:
- Processing Fee: Up to 2% of the loan amount plus GST
- GST: 18% Goods and Services Tax
- 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.
- Mandatory Documents: Loan Application and PAN Card
- KYC Documents: Aadhar Card, Voter’s ID, Utility Bills
- Income Proofs: Last three months’ salary slips, two years income tax returns, two years’ Balance Sheet and P&L account
- 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:
- Nature of Employment: Self-Employed/ Salaried Individuals/ Agriculturists
- Age Limit: 18-70 years
- Minimum Income: As per bank’s T&Cs
- Residents: Indian residents/ NRIs
