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Home > Home Loan Interest Rates

Home Loan Interest Rates

Home Loan Interest Rates & Service Charges

Are you wanting to purchase the house of your dreams?

DHFL offers you the best home loan rates that will help you maintain your monthly budget.

Best Home Loan Interest Rate offered from DHFL

Tenure
Effective Rate of Interest
1 – 30 Years
8.35%* p.a. onwards

Click here to download the Mock MITC format


DHFL Home Loan Interest Rates:

For Salaried / SEP (Re-substitution charges)

Loan Amount Applicable Rate of Interest DHFL
Up to `25 Lacs 9.00%
Above `25 Lacs to `75 Lacs 9.00%
Above `75 Lacs to `100 Lacs 9.15%
Loans above `100 Lacs to `150 Lacs 9.15%
Loans above `150 Lacs to `300 Lacs 9.35%
Loans above ` 300 Lacs 9.75%

For Self Employed / SENP (Re-substitution charges)

Loan Amount Applicable Rate of Interest DHFL
Up to `25 Lacs 9.10%
Above `25 Lacs to `75 Lacs 9.10%
Above `75 Lacs to `100 Lacs 9.25%
Loans above `100 Lacs to `150 Lacs 9.25%
Loans above `150 Lacs to `300 Lacs 9.45%
Loans above `300 Lacs 10.00%

DHFL ensures that you get the best services on your home loan, please find below the charges applicable on services associated with your home loan:

Sr. No Charges Description Charges
1 Processing Fees (Non-Refundable) Loan Amount Minimum Login Fees
Salaried/Self Employed Professional (SEP) Up to `30 lac :  `5,000 + document charges + Applicable GST `2,500 or processing fee applicable whichever is lower + Applicable GST
Above `30 lac up to `75 lac:  `10,000 + document charges + Applicable GST
Above `75 lac : `20,000 +document charges + Applicable GST
Self Employed Non Professional (SENP) Net PAT: 0.5% + Applicable GST
Others  : 1.5 % + Applicable GST
2 CERSAI Registry / Modification Charges `50 + Applicable GST for loans upto `5 lac
`100 + Applicable GST for loans above `5 lac
3 Technical Fees (for additional property or property situated outside geographic limit or for pre technical) a. Within 60 km radius: No charges
b. Beyond 60 km: `500 + Applicable GST for first visit and `750 + Applicable GST for subsequent visits
4 Valuation fee in Construction Linked Loan cases First visit:  No charges.
Subsequent visits:  `500 + Applicable GST
5 Part-Prepayment Charges Rate of Interest -Type   Disbursement Stage Charges Applicable
Fixed / Variable  Within 6 months from 1st disbursement No prepayment allowed
After 6 months
Borrower/ co-borrower is Individual No Charges
Borrower/ co-borrower is other than Individual 2% + Applicable GST
5 (a) Foreclosure Charges Rate of Interest -Type   Disbursement Stage Charges Applicable
Fixed / Variable  Within 6 Months from 1st Disbursement No foreclosure allowed
After 6 months
Fixed / Variable  Own Source No Charges
Borrower/co-borrower is individual
Variable Balance Transfer
Fixed/ Variable Borrower/co-borrower is other than individual 2% + Applicable GST
Balance Transfer
5 (b) Prepayment Charges (Plot Loans/Easy Land Cum Construction Loans) 3% + Applicable GST in case the dwelling unit is not constructed on the plot within 3 years from the date of first disbursement of the loan.
(Borrower/co-borrower is other than individual)
6 Cheque/ECS bounce charges ` 500 + Applicable GST
7 Bank Charges on Cheque/ECS Bounce At actual
8 Overdue Charges on default installment (EMI/Pre-EMI) 18% Per annum on the outstanding dues.
9 Demand Draft/Pay Order issuance charges ` 150 per lac or actual bank charges, whichever is higher + Applicable GST.
10 Cheque/ECS swapping charges (per set) ` 250 + Applicable GST per swap
11 Collection pickup charges ` 250 per visit + Applicable GST
12 Conversion charges** a. `2500 + Applicable GST for loan up to `75 lac
b. `5000 + Applicable GST for loan above `75 lac
**

a. Conversion scheme can be availed only after 1 year from the date of disbursement.
b. Conversion scheme is not applicable for loans sanctioned under Land Loans, Easy Land Cum Construction Loans and/or Composite Loan (for only those cases where construction is still not done) and for Surrogate Products.

13 Legal Charges Legal charges as applicable on case to case basis
14 Non-encumbrance certificate At actual
15 Recovery charges At actual
16 Stamp duty/ Franking charges As per applicable law/charges of the relevant property state
17 Duplicate No Dues Certificate ` 250 + Applicable GST
   18 Copy of property documents ` 500 + Applicable GST
  19 Statement of account/ provisional IT certificates 1st : No charges
Subsequent : ` 250 + Applicable GST
20 Custodial Fee for property documents in closed loans ` 500 Per month (post 60 Days from Loan Closure Date) + Applicable GST
21 Document retrieval charges on closure of loan `1,000 + Applicable GST for loans upto `10 Lac,
`2,000 + Applicable GST for loans above `10 Lac
22 Foreclosure statement ` 500 + Applicable GST

No conversion is applicable for loans sanctioned under Land Loans, ELCC/ Composite Loan (Only those cases where construction is still not done) and Surrogate Products.

We at DHFL, offer you the one of the lowest interest rate for a home loan which sure does make a huge difference to your overall budget. Also, with the current rate of interest on home loans, DHFL will help ensure that financial restraints do not come your way, while your purchase your very own dream home. So do not hesitate to take our help and invest in a lifetime of happiness for yourself.

*Terms and conditions apply. Limited Period Offer