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Home > Home Loan Interest Rates & Service Charges

Home Loan Interest Rates & Service Charges

Are you wanting to purchase the house of your dreams?

Looking for a home is extremely exciting as well as quite exhausting and a little terrifying at times, especially in this market. A home loan interest rate is one of the most important factors to be considered when buying a house of your own. The higher the interest rate, the larger will be the amount that you will need to shell out every month to pay your dues. In order to avoid this, 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
9.35% *p.a. onwards

Acquiring your own dream house is a lifetime decision which requires extensive research, planning your necessities and large amounts of finances, all of which will impact your final decision of buying a house. For this purpose, DHFL offers you one of the best home loans with a competitive housing loan interest rate, making it easier for you to fulfil your dream of buying your own house.

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DHFL Home Loan Interest Rates:

For Salaried (Re-substitution charges)

Loan Amount Applicable Rate of Interest DHFL
Up to `30 Lacs 9.55%
Above `30 Lacs to `75 Lacs 9.55%
Above `75 Lacs to `100 Lacs 9.55%
Loans above `100 Lacs to `150 Lacs 9.55%
Loans above `150 Lacs to `300 Lacs 9.90%
Loans above ` 300 Lacs 10.15%

For Self Employed / SEP / SENP (Re-substitution charges)

Loan Amount Applicable Rate of Interest DHFL
Up to `30 Lacs 9.55%
Above `30 Lacs to `75 Lacs 9.65%
Above `75 Lacs to `100 Lacs 9.65%
Loans above `100 Lacs to `150 Lacs 9.65%
Loans above `150 Lacs to `300 Lacs 9.90%
Loans above `300 Lacs 10.40%

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 + Service Tax `2,500 or processing fee applicable whichever is lower + Service Tax
Above `30 lac up to `75 lac:  `10,000 + document charges + Service Tax
Above `75 lac : `20,000 +document charges + Service Tax
Self Employed Non Professional (SENP) Net PAT: 0.5% + Service Tax
Others  : 1.5 % + Service Tax
2 CERSAI Registry / Modification Charges `50 + Service Tax for loans upto `5 lac
`100 + Service Tax 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 for first visit and `750 for subsequent visits
4 Valuation fee in Construction Linked Loan cases First visit:  No charges.
Subsequent visits:  `500
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% + Service Tax
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% + Service Tax
Balance Transfer
5 (b) Prepayment Charges (Plot Loans/Easy Land Cum Construction Loans) 3% + Service Tax 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 ` 250 + Service Tax
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 + Service Tax.
10 Cheque/ECS swapping charges (per set) ` 250 per swap
11 Collection pickup charges ` 250 per visit + Service Tax
12 Conversion charges** a. `2500 + Service Tax for loan up to `75 lac
b. `5000 + Service Tax for loan above `75 lac
**

Conversion scheme can be availed only after 1 year from the date of disbursement.

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 + Service Tax
   18 Copy of property documents ` 500 + Service Tax
  19 Statement of account/ provisional IT certificates 1st : No charges
Subsequent : ` 250 + Service Tax
20 Custodial Fee for property documents in closed loans ` 500 Per month (post 60 Days from Loan Closure Date) + Service Tax
21 Document retrieval charges on closure of loan `1,000 + Service Tax for loans upto `10 Lac,
`2,000 + Service Tax for loans above `10 Lac
22 Foreclosure statement ` 500 + Service Tax
Easy Home Loan Deposit (EHLD) – Saving Phase
23 Cheque/ECS Bounce Charges As per the applicable Bank Rate
24 Duplicate Certificate Charges `100 + Service Tax
25 Duplicate Accounts Statement/Receipt `100 + Service Tax
26 Contract Amendment Charges `100 + Service Tax
Other Services
27 Loan Application Form NIL
28 Duplicate Fixed Deposit Receipt No charges for first time,
Second time onwards: `100 + Service Tax
29 Annual EHLD Payment Certificate No charges for first time,
Second time onwards: `200 + Service Tax

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.

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, understand that a house is just not a place to stay but much more. It is a place which you personalise as per your tastes and needs. It is a place where you build memories with your loved ones. It is a place where you will want to go back to. A place you will call your ‘home’. Therefore, 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