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Home > Home Construction Loans

Home Construction Loans

The joy of constructing your dream home on the plot of land you own is incomparable. All you need is a Home Construction loan from DHFL to make it a reality.

Features and Benefits of DHFL Home Construction Loan

      1. Tenure & Term: The tenure of your Home Construction Loan ranges from 1 to 20 years. The term, however does not extend beyond the retirement age or 60 years whichever is earlier (65 years for self-employed individuals)
      2. Purpose:  Avail a Home Construction Loan if you are self-constructing the house on a plot of land that you own
      3. Reduce your EMI : With tenure of 20 years, you can reduce the EMI amount so that your outgoings every month do not come in the way of your lifestyle and living standards
      4. Interest Rates: The Interest rate applicable is based on the DHFL’s Retail Prime Lending Rate (RPLR) which fluctuates from time to time based on the money market conditions
      5. Processing Fees (Non-Refundable) : This is charged as the fee towards processing your loan application

        Salaried individuals (SAL) / Self-Employed Professionals (SEP)

         Self-Employed Non Professionals (SENP)

        ` 5000* to ` 20,000*


        *GST as applicable

      6. Easy Repayments:  You have 2 options for repayment of the loan based on the EMIs payable on your Home Construction Loan:
        a. Through ECS (Electronic Clearing Service) based on standing instructions to your bank
        b. Post Dated Cheques (PDCs) drawn on your Savings/Salary account
      7. Home Loan Tax Benefits: Resident Indians are eligible for certain tax benefits on principal and interest components of a home loan. As per Income Tax Act 1961 rules, the current applicable exemption under section 24(b) is `2,00,000/- for the interest amount paid in the financial year and up to `1,50,000/- (under section 80 C) for the principal amount repaid in the same year.
      8. Applicant and Co-Applicant: Home Construction Loans can be applied for individually. The loan amount can be further enhanced by including an earning co-applicant.
      9. Easy Documentation: To enable us to speedily process your Home Construction Loan application, we will require the following:
        1. Property related documents
        2. KYC (Know Your Customer) documents
        3. Proof of Income documents and bank statements as per log-in checklist

Eligibility for Home Construction Loan

The actual Home Construction Loan amount is determined taking into various account factors such as:

  • Repayment capacity
  • Age
  • Educational qualifications
  • Stability and continuity of income
  • Number of dependents
  • Co-applicant’s income
  • Assets
  • Liabilities
  • Saving habits, and more

Documentation Required For Home Construction Loan

Click here for the list of documents required.

Home Construction Loan Products: Services & Charges

Click here to view the Services and Charges


Click here to view the FAQs.

Download Forms

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