75 Lakh HDFC Home Loan

HDFC, one of India's leading financial institutions, offers a substantial loan amount catering to the diverse needs of aspiring homebuyers. Typically, you can use the funds to purchase or construct a new home and expand or renovate your existing home. Eligible candidates can enjoy competitive interest rates, flexible repayment options, longer tenure, and quick fund disbursal.

To make your homeownership journey less challenging, we offer a concise overview of the HDFC ₹75 lakh home loan. We cover topics such as HDFC home loan interest rate for ₹75 lakhs, its eligibility criteria, required documents, applicable fees, and more. Additionally, we will provide an estimated ₹75 lakh home loan EMI with HDFC, considering both 10 and 20-year tenures. Let's scroll down to learn more.

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Table of Content

1. 75 Lakh HDFC Home Loan Highlights

2. 75 Lakh HDFC Home Loan EMI for 10 Years

3. 75 Lakh HDFC Home Loan EMI for 20 Years

4. 75 Lakh HDFC Home Loan Fees and Charges

5. Documents Required For 75 Lakh HDFC Home Loan

6. Eligibility Criteria For 75 Lakh HDFC Home Loan

Written By

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

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.

75 Lakh HDFC Home Loan – Highlights

Here are the key parameters of the HDFC ₹75 lakh home loan:

Interest Rates	8.75% p.a. onwards
Loan Amount	Up to 90% of the property price.
Loan Tenure	Up to 30 years
Eligibility	Both salaried and self-employed individuals are eligible.

75 Lakh HDFC Home Loan EMI for 10 Years

Here is the ₹75 lakh home loan EMI for 10 years with HDFC Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Payment
₹75 Lakh	8.75% p.a.	10 years	Rs 93,995	Rs 37,79,408	Rs 1,12,79,408

75 Lakh HDFC Home Loan EMI for 20 Years

Here is the estimated ₹75 lakh home loan EMI with HDFC for a 20-year loan tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Payment
₹75 Lakh	8.75% p.a.	20 years	Rs 66,278	Rs 84,06,793	Rs 1,59,06,793

75 Lakh HDFC Home Loan – Fees and Charges

Following are the fees and charges associated with an HDFC ₹75 lakh home loan:

Fee/Charge	Amount
Processing Fee	Up to 1.50 % of the Loan amount or Rs. 4500, whichever is higher + GST
Prepayment Charges	Up to 2% of the payment amount
Additional Interest	Up to 18% p.a. on overdue instalment amounts.
Incidental Charges	At actuals
Stamp Duty/ MOD/ MOE/ Registration	As applicable in the respective States.
Fees levied by entities such as CERSAI	At actuals

Documents Required For 75 Lakh HDFC Home Loan

Here are the required documents for an HDFC ₹75 Lakh Home Loan:

Proof of Identity: PAN Card, Passport, Voter ID or Driving License.

Proof of Address: Aadhaar Card, Passport, Driving License, or Recent copy of Utility Bills.

Proof of Income: Salaried individuals must submit their last 3 months’ salary slips, 6 months’ bank statements reflecting salary credits, and the latest Form 16 or income tax returns. For self-employed applicants, submission should include the last 2 years’ income tax returns, the latest 2 years’ balance sheet and profit and loss statements, and the past 12 months’ current account statements for the business entity. They also need to submit individual savings account statements.

Proof of Property: Allotment letter or buyer’s agreement and receipt of payment made to the developer.

Eligibility Criteria For 75 Lakh HDFC Home Loan

Let’s examine the ₹75 lakh home loan eligibility in HDFC bank:

The applicant’s age must be between 21 to 65 years.
The applicant must be a salaried or self-employed individual.
The applicant’ must have a regular source of income to cover the repayment.
The applicant must have a good credit score and repayment history.
The applicant must be an Indian citizen.