4 Crore HDFC Home Loan

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HDFC Bank’s 4 crore home loan can be used for housing, investment, construction and refinance purposes. Borrowers of the loan can comfortably repay it in easy EMIs. These EMIs, spread over a maximum of 30 years, are influenced by a number of factors. Loan tenure and interest rate are two of the most important such factors.

As the loan tenure rises, the monthly repayment decreases and vice versa. HDFC housing loan starts at an interest rate of 8.75% p.a. Without worrying about manual calculations, find out the HDFC Bank home loan 4 crore EMI for 10 and 20 years in this article. 

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Table of Content

1. 4 Crore Home Loan HDFC Bank Highlights

2. 4 Crore Home Loan EMI for 10 Years at HDFC Bank

3. 4 Crore Home Loan EMI for 20 Years at HDFC Bank

4. 4 Crore HDFC Bank Home Loan Fees and Charges

5. 4 Crore HDFC Bank Home Loan Documents Required

6. 4 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.

4 Crore Home Loan HDFC Bank – Highlights 

An HDFC Bank 4 crore home loan is available at the following terms.

Loan Amount 4,00,00,000
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

4 Crore Home Loan EMI for 10 Years at HDFC Bank 

The 4-year EMI payment on the loan is highlighted below. The calculations are based on the starting HDFC Bank home loan interest rate for 4 crore of 8.75% p.a. 

Loan Amount 4 crore
Rate of Interest (p.a.) 8.75 % 
Loan Tenure 10 Years
EMI ₹5,01,307

4 Crore Home Loan EMI for 20 Years at HDFC Bank 

A borrower borrowing a loan for 20 years will be required to pay the following monthly instalments to settle the loan.

Loan Amount 4 crore
Rate of Interest (p.a.) 8.75 % 
Loan Tenure 10 Years
EMI ₹3,53,484

4 Crore HDFC Bank Home Loan – Fees and Charges

Apart from the HDFC Bank home loan interest rate for 4 crore, a borrower is required to pay the following charges on the loan:

  • A processing fee of up to 2.00% of the loan amount plus GST
  • Goods and Services Tax on bank services at 18%
  • Other charges such as incidental costs, verification charges and stamp duty

4 Crore HDFC Bank Home Loan – Documents Required 

A borrower is required to submit the following documents while applying for an HDFC Bank 4 crore home loan:

  • Loan Application Form along with PAN Card
  • KYC Documents: ID Proof (Aadhar Card/ Driver’s License) and Residence Proof (Utility Bills/ Aadhar Card)
  • Income Proof: Salary slips of the last 3 months, tax filings of the last 2 months, 2 years’ Balance Sheet and P&L account
  • Property Papers showcasing ownership of the house/ land  

4 Crore HDFC Bank Home Loan – Eligibility Criteria

Here is the 4 crore home loan eligibility for HDFC Bank: 

  • Eligible Applicants: Self Employed/ Salaried/ Agriculturists
  • Age Limit: 18-70 years
  • Minimum Income: As specified by the bank
  • Residential Status: Indian residents/ NRIs
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