HDFC Home Loan Interest Rates 2022: In India, a home loan is one of the most widely availed products. HDFC Limited offers various types of loans of which Home Loan is one. HDFC Limited offers low home loan interest rates starting at 7.55% per annum for tenure up to 30 years and for loan amounts of up to Rs. 10 cr. This interest rate is applicable for home loan, balance transfer loan, house renovation and home extension loan. HDFC offers an adjustable rate loan also known as a floating rate loan as well as a fixed rate loan where the home loan interest rate remains fixed for a fixed period after which it converts into an adjustable rate loan.
HDFC also offers Rich Loans to small entrepreneurs and salaried individuals, who may or may not have sufficient income documents. Its rural housing loan scheme targets agriculturists, planters, horticulturists, dairy farmers etc, residing in rural and urban areas and self-employed/salaried applicants who wish to construct or purchase houses in their home towns and villages. Today in this article we will share with you HDFC Home Loan Interest Rates 2022.
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| SPECIAL HOME LOAN RATES | ||
| Salaried / SEP | Self Employed | |
| Home/HIL/HEL/Refinance/Plot Loans | Applicable Interest Rates | |
| Upto 30 Lacs | % | % |
| Women | 6.75 to 7.25 | 6.75 to 7.25 |
| Others | 6.80 to 7.30 | 6.80 to 7.30 |
| 30.01 Lacs – 75 Lacs | % | % |
| Women | 7.00 to 7.50 | 7.00 to 7.50 |
| Others | 7.05 to 7.55 | 7.05 to 7.55 |
| 75.01 Lacs & Above | % | % |
| Women | 7.10 to 7.60 | 7.10 to 7.60 |
| Others | 7.15 to 7.65 | 7.15 to 7.65 |
HDFC Home Loan Interest Rates 2022 (Floating)
i. Salaried/Self-Employed Professionals
| Loan Amount | Interest Rates (P.A.) | |
| Women | Others | |
| Up to Rs. 30 lakh | 7.55%-8.05% | 7.70%-8.20% |
| Rs. 30.01 lakh-Rs 75 lakh | 7.90%-8.40% | 7.95%-8.45% |
| Rs. 75.01 lakh and above | 7.90%-8.40% | 8.05%-8.55% |
ii. Self-Employed Non-Professionals
| Loan Amount | Interest Rates (P.A.) | |
| Women | Others | |
| Up to Rs. 30 lakh | 7.75%-8.25% | 7.80%-8.30% |
| Rs. 30.01 lakh-Rs 75 lakh | 8.00%-8.50% | 8.05%-8.55% |
| Rs. 75.01 lakh and above | 8.10%-8.60% | 8.15%-8.65% |
HDFC Home Loan Interest Rates (Rural Housing)
| Loan Slab | Interest Rates (P.A.) | |
| Women | Others | |
| Up to Rs. 30 lakh | 7.65%-8.75% | 7.70%-8.75% |
| Rs. 30.01 lakh-Rs. 75 lakh | 7.90%-9.00% | 7.95%-9.00% |
| Rs. 75.01 lakh and above | 8.00%-9.10% | 8.05%-9.10% |