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Home Loans

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.

Features and Benefits of DHFL Home Loans


  1. 1.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
  2. 2.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)
  3. 3.Purpose:2. Avail of a home loan for ready built-up or under construction house/flat purchase
  4. 4.Reduce your EMI : With tenure of 30 years, you can reduce the EMI amount on your Home Loan, so that your outgoings every month do not come in the way of your lifestyle and living standards
  5. 5.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
  6. 6.Processing Fees: This is charged as the fee towards processing your home loan application.
 

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

Self-Employed Non Professionals (SENP)

` 5000* to ` 20,000*

1.5%*

7.*Service Tax and Cess as applicable
  1. 8.Easy Repayments:You have 2 options for repayment of the loan based on the EMIs payable on your Home Loan:
    1. Through ECS (Electronic Clearing Service) based on standing instructions to your bank
    2. Post Dated Cheques(PDCs) drawn on your Savings/Salary account
  2. 9.Home Loan Tax Benefits:Get Maximum Tax benefit under Home Loan scheme. As per Indian IT Rules, the current applicable exemption u/s 24 is `1.5 lacs for the interest amount paid in a financial year and up to `1 lac for the Principal amount repaid in the same year. Thus up to`2.5 lacs is tax exempt, helping you save up to `70,000 tax annually.
  3. 10.Applicant and Co-Applicant: Home Loans can be applied by an individual. The loan amount can be further enhanced by including an earning co-applicant.
 

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

Documentation for Home Loan

List of Documents for Salaried Individuals
Sr. No. Document Name

1

KYC Documents
2 Salary slip for the last 2 months / Salary Certificate (If variable components like Over Time and Incentives are reflected then salary slips for the past 6 months are required)

3

Latest Form – 16 if salary above `20000/- per month

4

Copy of all bank pass books / bank statements for the past 3 months including front page

5

Company profile if it is a lesser known organization

Note: Original documents are required for verification purpose only

List of Documents required for Self – Employed Businessmen

Sr. No. Document Name

1

KYC Documents

2

Copy of last 2 years Income Tax Returns of the applicant along with computation of income duly attested by a Chartered Accountant

3

Copy of last 2 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant

4

Brief Business Profile on the Letter Head of the firm by the applicant

5

Bank Statement for the last 6 months for the Savings Account & Current Account, O/D Account

6

Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration or old ITRs evidencing business

7

Copy of the Partnership Deed, Memorandum of Associations, Articles of Association (if applicable)

8

Copy of Tax Deduction Certificate / Form – 16A (if applicable)

9

Details of Contract (if applicable)

10

Copy of Advance Tax paid / Self Assessment Tax paid challan

Note: Original documents are required for verification purpose only

List of Documents required for Self – Employed Professionals

Sr. No. Document Name

1

KYC Documents

2

Copy of last 2 years Income Tax Returns of the applicant along with computation of income duly attested by a Chartered Accountant

3

Copy of last 2 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant

4

Brief Business Profile on the letter head of the firm by the applicant

5

Bank Statement for the last 6 months for the Savings Account & Current Account, O/D Account

6

Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration

7

Copy of the Partnership Deed, Memorandum of Associations, Articles of Association (if applicable)

8

Copy of Tax Deduction Certificate / Form – 16A (if applicable)

9

Details of Contract (if applicable)

10

Copy of Advance Tax paid / Self Assessment Tax paid challan

11

Copy of Educational Qualification Certificate

12

Copy of Professional Practice Certificate

13

Salary Certificate (in case of doctors having salaried income)

Note: Original documents are required for verification purpose only

List of Documents required for Non Resident Indians

Sr. No. Document Name

1

KYC Documents

2

Salary Certificate from the employer mentioning the name as in passport, date of joining, passport number, designation and latest salary and perquisites, in English.

3

Salary slips for the last 3 months / Salary Certificate (If variable components like overtime & incentives are reflected, then 6 months salary pay slips are required)

4

Latest Income Tax Returns (if applicant files IT returns in India).

5

For Self Employed Individuals, documents evidencing currently in business like Trade License, Registered Power of Attorney or agreement with sponsor, etc.

6

Passport copy with valid residence visa page.

7

Work Permit/ Labor contract copy / Photocopy of Identity card or any other proof of work / employment issued by concerned Government authorities.

8

Property related documents, detailed cost estimates from an Architect/ Engineer (from India).

9

Processing fee cheque drawn on applicant’s bank in India or draft payable at the place where the application will be processed.

10

The income documents for salaried should be attested by the embassy official if documentary evidence like bank statement for credit salary or frequent remittance of fund to India is not available.

11

Copy of all overseas bank statements for the last 6 months, if any

12

Copy of NRE / NRO bank statement of the last 6 months

13

Power of Attorney (POA) if applicant is not available in India for signing of documents in DHFL’s format.

14

Copy of Continuous Discharge Certificates

Note: Original documents are required for verification purpose only

List of Documents needed for KYC compliance

National Housing Bank (NHB) had introduced Know Your Customer (KYC) Guidelines for Housing Finance Companies. We request you to co-operate with us in complying with these guidelines.

1

Photo Id Proof(any one required)

  • PAN Card
  • Passport
  • Voters ID Card
  • Driving License

2

Residence Proof (any one required)

  • Electricity Bill
  • Telephone Bill
  • Ration Card
  • Letter from Employer
  • Bank Statement / Pass book with address