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dhfl

Home Loan

If you can dream it, you can own it! Everything you need to know to avail of a home loan is right here. You can be assured of fair terms, total transparency and flexibility. We believe that when it comes to owning a home, nothing should come in the way.

Loan Amount:

Avail a Home Loan of up to `500,00,000 (minimum loan amount `1 lac) but not exceeding 85% of the cost of property (including stamp duty and registration fees) or 80% of market value, whichever is lower

Tenure & Term:

The tenure of your Home Loan ranges from 1 to 30 years. The term, however does not extend beyond the retirement age or 60 years whichever is earlier (65 years for self-employed individuals)

Purpose:

Avail of a home loan for ready built-up or under construction house/flat purchase

Easy Repayments:

You have 2 options for repayment of the loan based on the EMIs payable on your Home Loan:

  • Through ECS (Electronic Clearing Service) based on standing instructions to your bank
  • Post Dated Cheques(PDCs) drawn on your Savings/Salary account
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.

Home Loan Eligibility

You can avail a Home Loan of up to `500,00,000 (minimum loan amount `1 lac) but not exceeding 85% of the cost of property (including stamp duty and registration fees) or 80% of market value, whichever is lower. The loan amount can be further enhanced by including an earning co-applicant.

The actual Home 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

Mortgage Loan

Don’t let your valuable property sit idle. Let it work for you. Get a loan against property you own, through DHFL’s Loan against Property product and use it for any purpose you need: acquiring an asset, business needs, etc.

We offer two variants of Loan against Property -

  • Loan Against Residential Property/ Plot
  • Loan Against Commercial Property/ Plot
Features and Benefits of DHFL Loan Against Residential Property
  • Eligibility – DHFL mortgage loans can be availed by Salaried, Self Employed Professionals and Self Employed Non-Professionals
  • Purpose – For meeting personal needs like, acquiring asset, education needs, marriage, personal travel, etc against the mortgage of residential property/ plot acceptable to us
  • Min and Max Loan Size – Avail loan from ` 15 Lacs up to ` 10 Crore
  • Tenure – Loan tenure of upto 15 years
  • Balance Transfer your existing loans with an additional loan amount
  • Maximum Loan Amount
  • Door Step Service
  • Realise your dreams faster
  • Easy Documentation

Variants

  • Loan Against Existing Residential Property
  • Loan Against Existing Residential Plot
Features and Benefits of DHFL Loan Against Commercial Property
  • Eligibility – DHFL mortgage loans can be availed by Salaried, Self Employed Professionals and Self Employed Non-Professionals
  • Purpose – For meeting personal needs like, acquiring asset, education needs, marriage, personal travel, etc against the mortgage of residential property/ plot acceptable to us
  • Min and Max Loan Size – Avail loan from ` 15 Lacs up to ` 10 Crore
  • Tenure – Loan tenure of upto 15 years
  • Balance Transfer your existing loans with an additional loan amount
  • Maximum Loan Amount
  • Door Step Service
  • Realise your dreams faster
  • Easy Documentation

Variants

  • Loan Against Existing Commercial Property
  • Loan Against Existing Commercial Plot

Business Loan

For all your business needs there is a simple solution – DHFL SME Unsecured Business Loan

Features DHFL SME - Business Loan
  • Avail loans up to ` 35 lakhs
  • Tenure up to 5 years
Benefits of DHFL SME - Business Loan
  • Innovative Products
  • Flexible tenure options
  • Easy process
  • Minimum documentation
Eligibility

Self Employed Customers

Doctors

Entities-

  • Proprietorship
  • Partnerships
  • Limited Liability Partnership
  • Private Limited Company
  • Limited Company