85 Lakh HDFC Home Loan
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HDFC Bank’s 85 Lakh home loan caters to all your housing needs. Before borrowing a home loan of such a high value, it is wise to check its monthly EMIs. EMI estimates help borrowers understand if they can afford the loan and make smarter borrowing decisions accordingly. Today, we discuss HDFC Bank’s 85 lakh home loan schedule for up to 10 and 20 years.
HDFC Bank home loan 85 Lakh EMIs are heavily influenced by loan tenure. As the loan tenure increases, the monthly repayment towards the loan decreases. Stay tuned and find out how changing the loan tenure, from 10 to 20 years, impacts the monthly EMIs.
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Reviewed By85 Lakh Home Loan HDFC Bank – Highlights
The HDFC Bank 85 Lakh home loan is available on the following terms:
| Loan Amount | 85,00,000 |
| 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 |
85 Lakh Home Loan EMI for 10 years at HDFC Bank
Calculated at the starting HDFC Bank home loan interest rate for 85 Lakhs of 8.75% p.a., here is the EMI amount applicable on a tenure of 10 years.
| Loan Amount | 85 Lakh |
| Rate of Interest (p.a.) | 8.75 % |
| Loan Tenure | 10 Years |
| EMI | ₹96,516 |
85 Lakh Home Loan EMI for 20 years at HDFC Bank
The EMI payment on the loan for a time period of 20 years is highlighted below.
| Loan Amount | 85 Lakh |
| Rate of Interest (p.a.) | 8.75 % |
| Loan Tenure | 20 Years |
| EMI | ₹75,115 |
85 Lakh HDFC Bank Home Loan – Fees and Charges
The Bank highlights the following additional charges, payable apart from the HDFC Bank home loan interest rate for 85 Lakhs.
- A processing fee of up to 2.00% of the loan amount plus GST
- A Goods and Services Tax (GST) of 18%
- Other charges like incidental costs, document verification charges and stamp duty charges
85 Lakh HDFC Bank Home Loan – Documents Required
A borrower should carry the following documents while submitting an HDFC Bank 85 Lakh home loan application:
- Mandatory Documents: Loan Application/ PAN Card
- KYC Documents: ID Proof (Aadhar Card/ Voter’s ID) and Residence proof (Utility Bills/ Aadhar Card)
- Income Proof: Last 3 months’ salary receipts, Last 2 years’ Balance Sheet and P&L account, Last 2 years’ income tax returns, etc.
- Property Papers: Registered sales deed, allotment letter, and other documents showcasing ownership
85 Lakh HDFC Bank Home Loan – Eligibility Criteria
Here is the 85 Lakh home loan eligibility for HDFC Bank customers:
- Eligible Applicants: Salaried Individuals/Self-Employed/ Agriculturists
- Residents: Indian residents/ NRIs
- Age Limit: 18-70 years
- Minimum Income: As per bank’s T&Cs
