65 Lakh HDFC Home Loan

Turn your dream of owning a home into reality with HDFC's ₹65 lakh home loan. Urban Money offers a comprehensive guide covering HDFC's home loan interest rates, eligibility criteria, necessary documents, and associated fees. Dive into details about ₹65 lakh home loan EMIs for 10 and 20-year tenures. Make informed decisions on constructing or purchasing your dream home with HDFC, a leading bank in India. Scroll down to discover more and take the first step towards your homeownership journey.

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Table of Content

1. 65 Lakh HDFC Home Loan Highlights

2. 65 Lakh HDFC Home Loan EMI for 10 Years

3. 65 Lakh HDFC Home Loan EMI for 20 Years

4. 65 Lakh HDFC Home Loan Fees and Charges

5. Documents Required For 65 Lakh HDFC Home Loan

6. Eligibility Criteria For 65 Lakh HDFC Home Loan

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything 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.

65 Lakh HDFC Home Loan – Highlights

Following are the key parameters you might be aware of before applying HDFC ₹65 lakh home loan:

Interest Rates	8.50% p.a. onwards
Processing Fees	0.50% of the amount of the loan or Rs 3,000, whichever is higher
Loan Amount	75% – 90% of the property cost
Loan Tenure	Up to 30 years
Eligibility	Both salaried and self-employed individuals

65 Lakh HDFC Home Loan EMI for 10 Years

₹65 Lakh home loan EMI for 10 years with HDFC Bank is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Amount Payment
Rs 65 Lakh	8.50% p.a.	10 years	Rs 80,591	Rs 31,70,884	Rs 96,70,884

65 Lakh HDFC Home Loan EMI for 20 Years

₹65 Lakh home loan EMI with HDFC Bank for a 20-year loan tenure is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total amount Payment
Rs 65 Lakh	8.50% p.a.	20 years	Rs 56,409	Rs 70,38,042	Rs 1,35,38,042

65 Lakh HDFC Home Loan – Fees and Charges

Following are the fees and charges associated with the HDFC ₹65 lakh home loan:

Fee/Charge	Amount
Processing Fee	0.50% of the amount of the loan or Rs 3,000, whichever is higher
Prepayment charges	2% of the prepayment amount plus taxes
Late payment charges	Up to 18% p.a. on overdue instalment amounts.

Documents Required For 65 Lakh HDFC Home Loan

The following are the required documents for an HDFC ₹65 lakh home loan:

Proof of Identity: PAN Card, Passport, Voter ID, or Driving License.
Proof of Address: Utility Bills, Passport, Driving License, or Aadhaar Card.
Proof of Income: Salaried applicants must submit their employment contract, recent salary slip, and 6 months’ bank statements. Self-employed individuals need to provide their business profile, the latest Form 26 AS, the company’s memorandum and articles of association, and 6 months’ bank statements.
Proof of Property: Copy of the allotment letter or buyer agreement, and receipt of payment made to the developer.
Other Documents: Cheque for processing fee, passport size photograph of all the applicants and co-applicants.

Eligibility Criteria For 65 Lakh HDFC Home Loan

₹65 lakh home loan eligibility in HDFC Bank is as follows:

The applicant must be a salaried or self-employed individual.
The applicant must be aged between 21 and 65 years old.
The applicant must have a sufficient monthly income to cover the loan EMI.
The applicant must have a good credit score and repayment history.
The applicant must be an Indian citizen.

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Frequently Asked Question (FAQs)

What is the EMI for a 65 Lakh Home Loan for 20 years in HDFC?

Rs 56,409 is the expected EMI for a 65 Lakh Home Loan with a tenure of 20 years in HDFC.

Who is eligible for a 65 Lakh Home loan in HDFC?

Both salaried and self-employed individuals who have a regular source of income to cover the loan EMI are eligible for a ₹65 Lakh Home Loan in HDFC.

What is the monthly interest rate of a 65 Lakh home loan in HDFC?

The monthly interest rate of a ₹65 Lakh home loan in HDFC is 0.7083%.