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A home loan provisional certificate is a summary of the interest and the principal amounts repaid by you towards your home loan during a financial year. It is provided to you by HDFC and is required for claiming tax deductions. If you are an existing customer, you can easily download your provisional home loan provisional certificate from our online portal . You can apply for a home loan online from the ease and comfort of your home with HDFC’s online application feature. Alternatively, you can share your contact details here for our loan experts to get in touch with you and take your loan application forward.
This helps estimate the loan amount that can be availed and helps in assessing the own contribution requirements and cost of the property. Therefore knowing the EMI is crucial for calculation of home loan eligibility and planning your home buying journey better. Paying EMIs on time is the primary responsibility of any borrower. Take advantage of the online calculators to determine your payable EMI before you avail a loan. It is the first step towards a practical loan repayment strategy. HDFC Bank home loan calculator will allow you to plan your loan repayment.
Incidental Charges
If you need to enter more precise values, you can type the values directly in the relevant boxes provided above. As soon as the values are changed using the slider (or hit the 'tab' key after entering the values directly in the input fields), EMI calculator will re-calculate your monthly payment amount. Borrowers can compare the best home loan offers in Thiruvalla here, which helps in understand which bank is offer home loans @ lowest rates with lowest processing fees and fastest disbursal time. A Home Loan EMI calculator helps you know the amount of the EMIs that you will need to pay towards your Home Loan and helps make an informed decision.

A pre-approved home loan is an in-principal approval for a loan given on the basis of your income, creditworthiness and financial position. Our tailor made home loans caters to customers of all age groups and employment category. It includes repayment of the principal amount and payment of the interest on the outstanding amount of your home loan. The contribution can be made by you upon opening an account with HDFC. The account opening process can be completed by submitting the application form along with the list of documents.
Q. How to use HDFC Home Loan EMI Calculator?
You can change the loan amount, tenure, and interest rates in the home loan calculator to find the best home loan plan for yourself. The maximum repayment tenure depends on the type of housing loans you are availing, your profile, age, maturity of loan etc. For your convenience, HDFC offers various modes for repayment of your house loan. We suggest that you calculate floating / variable rate EMI by taking into consideration two opposite scenarios, i.e., optimistic and pessimistic scenario. Loan amount and loan tenure, two components required to calculate the EMI are under your control; i.e., you are going to decide how much loan you have to borrow and how long your loan tenure should be.
The interest component of the EMI would be larger during the initial months and gradually reduce with each payment. The exact percentage allocated towards payment of the principal depends on the interest rate. Even though your monthly EMI payment won't change, the proportion of principal and interest components will change with time. With each successive payment, you'll pay more towards the principal and less in interest. Senior citizens can earn an interest rate of 7.5 per cent on fixed deposits maturing between 15 months and five years.
Existing Customer?
As the largest platform for buyers and sellers of property to connect in a transparent manner, Magicbricks has an active base of over 15 lakh property listings. You can reduce your HDFC home loan EMI by opting for a higher down payment or choosing a loan repayment option with a longer tenure. You can also negotiate with your bank or choose a step-down EMI scheme. A home loan amortization schedule shows the reduction in your debt due to regular EMI payments during the loan tenure.
Please note that while there are no prepayment charges on floating rate home loans unless the same availed for business purposes. HDFC is India’s premier housing finance company offering a wide range of home loan products that are customized to your needs and can be comfortably repaid over a longer tenure. HDFC’s end-to-end digital home loan application process, integrated branch network across the county and 24X7 online assistance can make your home owning journey a memorable one. The private sector bank offers a 7.5 per cent return for senior citizen fixed deposits maturing between 390 days and 23 months.
Home Loan EMI is the monthly repayment that a borrower should make to repay the home loan as per the amortization schedule. An online EMI calculator is easily accessible online from anywhere. You can try various combinations of the input variable as many times as required to arrive at the right home loan amount, EMIs, and tenure best suited to your needs. An EMI calculator is useful in planning your cash flows much in advance, so that you make your home loan payments with ease whenever you avail a home loan.
Choose a home loan provider who is transparent w.r.t. processing fee and other related charges. The maximum period of repayment of a loan shall be up to 30 years for the Telescopic Repayment Option under the Adjustable Rate Home Loan. For all other Home Loan products, the maximum repayment period shall be up to 20 years. Check with the lender if the property that you have shortlisted will be considered for a housing loan. Our chat service on our website and WhatsApp are available 24X7 to assist you with your housing loan related queries.
You can apply for a pre approved home loan which is an in-principal approval for a loan given on the basis of your income, creditworthiness and financial position. Generally, pre-approved loans are taken prior to property selection and are valid for a period of 6 months from the date of sanction of the loan . Typically, Amortization is the process of writing down the value of a loan. The Amortization schedules are used by financial institutions and other lenders to showcase a loan repayment schedule as per a specific maturity date. Amortization schedules clarify what part of loan payment constitutes the interest against principal for each monthly payment and find out the outstanding amount after making the payment each time.

Once you avail a HDFC home loan, you can access your home loan account online on our website. You can download account statements, interest certificates, request for disbursement and do much more. Our HDFC Reach Loans make home buying possible for micro-entrepreneurs and salaried individuals who may or may not have sufficient proof of income documentation. You can apply for a house loan with minimal income documentation with HDFC Reach.