90 Lakh HDFC Home Loan

An HDFC Bank 90 Lakh home loan can be used for housing, construction and refinance. Before borrowing a home loan, it is vital to calculate the monthly EMI estimates. It helps verify the affordability of a loan and make a wise borrowing decision. EMIs depend on multiple factors, among which loan tenure and interest rate play important roles.

Home loan EMI increases as the loan tenure increases. Starting at an interest rate of 8.75% per annum, take a look at the HDFC Bank home loan 90 Lakh EMIs for a period of 10 and 20 years.

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Table of Content

1. 90 Lakh Home Loan HDFC Bank Highlights

2. 90 Lakh Home Loan EMI for 10 years at HDFC Bank

3. 90 Lakh Home Loan EMI for 20 Years at HDFC Bank

4. 90 Lakh HDFC Bank Home Loan Fees and Charges

5. Documents Required For 90 Lakh HDFC Bank Home Loan

6. Eligibility Criteria For 90 Lakh HDFC Bank Home Loan

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.

90 Lakh Home Loan HDFC Bank – Highlights

An HDFC Bank 90 Lakh home loan is available at the following terms:

Loan Amount	90,00,000
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

90 Lakh Home Loan EMI for 10 years at HDFC Bank

The monthly EMI stands as follows at the starting 8.75% of HDFC Bank home loan interest rate for 90 lakhs and a loan tenure of 10 years.

Loan Amount	90 lakh
Rate of Interest (p.a.)	8.75 %
Loan Tenure	10 Years
EMI	₹1,12,794

90 Lakh Home Loan EMI for 20 Years at HDFC Bank

The monthly EMIs on a loan tenure of 20 years will be as follows:

Loan Amount	90 lakh
Rate of Interest (p.a.)	8.75 %
Loan Tenure	20 Years
EMI	₹79,534

90 Lakh HDFC Bank Home Loan – Fees and Charges

Apart from the HDFC Bank home loan interest rate for 90 lakhs, a borrower is required to pay:

A processing fee of up to 2.00% of the loan amount (plus GST)
An 18% Goods and Services Tax
Other charges like incidental costs, stamp duty charges and document verification charges.

Documents Required For 90 Lakh HDFC Bank Home Loan

Borrowers are required to submit the following documents while applying for an HDFC Bank 90 Lakh home loan.

Loan Application Form
PAN Card/ Form 60 (Mandatory Documents)
ID Proof: Aadhar Card, Voter’s ID, etc
Address Proof: Utility Bills, Aadhar Card, etc.
Income Proofs: Last 3 months’ salary slips, Last 2 years’ income tax returns, Last 2 years Balance Sheet and P&L account
Property Documents: Registered sale deed, occupancy certificate, letter of allotment, etc.

Eligibility Criteria For 90 Lakh HDFC Bank Home Loan

Here is the 90 Lakh home loan eligibility for HDFC Bank borrowers:

Eligible Applicants: Salaried Individuals/Self-Employed/ Agriculturists
Age Limit: 18-70 years
Minimum Income: As per bank’s T&Cs
Residents: Indian residents/ NRIs