HDFC Bank has a certain set of eligibility criteria based on which it will decide if you are eligible for a home loan. Before applying for a home loan, an applicant can use an online eligibility calculator to check his/her eligibility. This way, there will be lower chances of the loan application being rejected.

Here are the Eligibility Criteria for HDFC Home Loan:

Resident Status

Indian Residents & Non-Resident Indians (NRIs)


21 – 65 years

Employment Type

Salaried and Self-employed professional and non-professional

Minimum Salary for Salaried

Rs. 10,000 per month

Minimum Salary for Non-Salaried

Rs. 2 lakhs per annum

Credit Score

The bank goes through the credit report of a home loan applicant before granting a loan. It must reflect good credit behaviour and repayment track record.


What are the factors that affect HDFC Home Loan Eligibility?

Some of the factors that affect HDFC home loan eligibility are:

  • Age of the applicant
  • Applicant’s financial position 
  • Repayment track record
  • Credit score
  • Existing liabilities 
  • Specifications of the underlying property like age, size, location, etc.
  • Whether the applicant is a guarantor for any existing loan

HDFC grants home loans only to eligible applicants. The bank currently has affordable interest rates on home loans starting at 6.75% p.a. HDFC bank home loan can be repaid over a long tenure of 30 years. 

The HDFC bank home loan eligibility of an applicant depends upon parameters including employment status, age, credit score, monthly income, etc. Depending on an applicant’s qualification of eligibility criteria, the bank will decide on the loan amount and further process the loan application.