5 Crore HDFC Home Loan

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HDFC Bank's 5 crore home loan is a versatile financial solution designed for housing, investment, construction, and refinancing purposes. Borrowers benefit from the convenience of repaying the loan through easily manageable Equated Monthly Installments (EMIs). These EMIs have a maximum duration of 30 years, and the amount that must be repaid depends on a number of factors, the most important being interest rate and loan tenure.

An extended loan tenure results in a reduction in the monthly repayment amount, and conversely, a shorter tenure leads to higher monthly installments. The HDFC housing loan commences at an attractive interest rate of 8.75% per annum. In this article, we provide a hassle-free approach to determining the HDFC Bank home loan 5 crore EMI for 10 and 20 years, eliminating the need for manual calculations.

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Table of Content

1. HDFC Bank 5 crore Home Loan Highlights

2. 5 crore Home Loan EMI for 10 years at HDFC Bank

3. 5 Crore Home Loan EMI for 20 years at HDFC Bank

4. 5 crore HDFC Bank Home Loan Fees and Charges

5. 5 crore HDFC Bank Home Loan Documents Required

6. 5 crore HDFC Bank Home Loan Eligibility Criteria

Written By

Amrita Sinha

Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal 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.

HDFC Bank 5 crore Home Loan – Highlights

An HDFC Bank 5 crore home loan is available at the following terms.

Loan Amount	5,00,00,000
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

5 crore Home Loan EMI for 10 years at HDFC Bank

Take a look at the 5 crore home loan EMI for 10 years HDFC Bank.

Loan Amount	5 crore
Rate of Interest (p.a.)	8.75 %
Loan Tenure	10 Years
EMI	₹6,26,634

5 Crore Home Loan EMI for 20 years at HDFC Bank

Here is a quick rundown of the 5 crore home loan EMI for 20 years HDFC Bank.

Loan Amount	5 crore
Rate of Interest (p.a.)	8.75 %
Loan Tenure	20 Years
EMI	₹4,41,855

5 crore HDFC Bank Home Loan – Fees and Charges

Here is a quick rundown of the 5 crore HDFC Bank Home Loan.

A processing fee, amounting to a maximum of 2.00% of the loan value, plus Goods and Services Tax (GST).
Goods and Services Tax at a rate of 18% on bank services.
Various other charges encompass incidental costs, verification charges, and stamp duty.

5 crore HDFC Bank Home Loan – Documents Required

A borrower is required to submit the following documents while applying for an HDFC Bank 5 crore home loan:

Loan Application Form accompanied by PAN Card
KYC Documents: Identification Proof (Aadhar Card/ Driver’s Licence) and Address Proof (Utility Bills/ Aadhar Card)
Income Proof: Pay slips from the past 3 months, tax filings from the last 2 months, and a 2-year Balance Sheet and Profit & Loss account
Property Papers demonstrating ownership of the house/ land

5 crore HDFC Bank Home Loan – Eligibility Criteria

Here is the 5 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

Frequently Asked Question (FAQs)

What is the EMI for 5 Crore home loan for 20 years in HDFC Bank?

The EMI for 5 crore HDFC Bank Home loan for 20 years at an interest rate of 8.75% would be ₹4,41,855.

Who is eligible for 5 Crore Home loan in HDFC Bank?

Any applicant who passes the basic eligibility criteria can apply for HDFC Bank 5 Crore home loan.

What is the monthly interest rate of 5 Crore home loan in HDFC Bank?

The monthly interest rate for 5 crore home loan in HDFC Bank starts at 8.75%.

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