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 Home Loan Ratings
4.0 / 5.0 by 12194 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

 Home Loan Reviews

"HDFC Ltd has been really good in the home loan process. The rate of interest was of 10.10% floating and the customer services through the process has been really good. They released the funds to me at the right time and am happy to have taken the loan from them."

Appasaheb Nimbalkar Nimbalkar, Pune
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Home Loan refinance calculator

salaried self employed NRI add co-applicant

Refinance Your Home Loan & Get e-Approved Instantly

  • Some fields are incorrect or have not been filled in. Please correct this to proceed.
  • Enter the builder and project name Example. "DLF BUILDING INDIA - COMMANDERS COURT"
  • Include only the following components of cost: Basic Cost, car parking (if being sold), Firefighting charges, electricity/water charges,Electrification charges, Power Back Up, Internal Development Charges (IDC), External Development Charges (EDC), Preferential Location Charges (PLC), Interest Free Maintenance Security Deposit ( IFMS), Club Membership, VAT & Service Tax, Stamp duty and registration charges.
  • As per the Agreement to Sale or as per the Registered Sale Deed value, whichever is higher.
  • Cost of construction as per engineering estimate.
  • Current outstanding balance on the home loan you wish to transfer.
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  • Choose 'Salaried professional' if you are salaried and are qualified as a doctor, dentist, lawyer, architect, engineer or chartered accountant
  • Slowly start typing your employer's name and choose from the recommendations provided. If you do not see your employer on our list, simply type the name in this field.
  • Include your experience at your current job and all previous jobs.
  • This is your gross monthly salary as per your monthly payslip prior to deductions (include only payments via direct deposit or cheque i.e. exclude payments in hard cash and in-kind components)
  • This is your net monthly salary as credited to your bank account after all deductions.
  • This is your monthly take-home salary after taxes as per your monthly payslip.
  • Gross Total Income as per latest ITR.
  • Depreciation as per latest year's ITR.
  • Sum of the gross annual salaries paid by partnership firm to all partners in latest year.
  • Sum of the gross annual salaries paid to all directors in latest year.
  • Annual interest on capital paid by partnership firm to you in latest year.
  • Sum of the annual interest on capital paid by partnership firm to all partners in latest year.
  • This is your previous year's monthly take-home salary after taxes as per your monthly payslip
  • Profit After Tax as per previous year's ITR
  • Depreciation as per previous year's ITR
  • Annual interest on capital paid by partnership firm to you in previous year.
  • This is the sum of all monthly payments on all company's currently open loans.Please ignore those loans where remaining loan term is less than 12 months.
  • This is the approximate sum of all monthly incentives (include only payments via direct deposit or cheque i.e. exclude payments in hard cash and in-kind components), if any, earned by you
  • This is the annual bonus (excluding any cash component), if any, earned by you
  • This is the sum of all monthly payments that you are making on all your currently open loans.Please ignore those loans where remaining loan term is less than 3 months.
  •  / 
     / 
  • Choose 'Salaried professional' if you are salaried and are qualified as a doctor, dentist, lawyer, architect, engineer or chartered accountant
  • Slowly start typing your employer's name and choose from the recommendations provided. If you do not see your employer on our list, simply type the name in this field.
  • Include your experience at your current job and all previous jobs.
  • This is the co-applicant's gross monthly salary as per his/her monthly payslip prior to deductions (include only payments via direct deposit or cheque i.e. exclude payments in hard cash and in-kind components)
  • This is the co-applicant's net monthly salary as credited to his/her bank account after all deductions.
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  • Profit after tax as per latest year's ITR.
  • Depreciation as per latest year's ITR.
  • Sum of the gross annual salaries paid by partnership firm to all partners in latest year.
  • Sum of the gross annual salaries paid to all directors in latest year.
  • Annual interest on capital paid by partnership firm to the co-applicant in latest year.
  • Sum of the annual interest on capital paid by partnership firm to all partners in latest year.
  • This is the co-applicant's previous year's monthly take-home salary after taxes as per the co-applicant's monthly payslip
  • Profit After Tax as per previous year's ITR
  • Depreciation as per previous year's ITR
  • Annual interest on capital paid by partnership firm to the co-applicant in previous year.
  • This is the sum of all monthly payments on all company's currently open loans.Please ignore those loans where remaining loan term is less than 12 months.
  • This is the approximate sum of all monthly incentives (include only payments via direct deposit or cheque i.e. exclude payments in hard cash and in-kind components), if any, earned by the co-applicant
  • This is the annual bonus (excluding any cash component), if any, earned by co-applicant.
  • This is the sum of all monthly payments that the co-applicant is making on all his/her currently open loans.Please ignore those loans where remaining loan term is less than 3 months.
  • Enter mobile numbers without any spaces or hyphens.
  • Please provide First Name as it appears in your PAN card.
  • Please enter reference ID, if any
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Use Home Loan Refinance Calculator below or Get a Customized Home Loan Quote Now

 
Is your current Home Loan EMI too high? Interest rates have finally cooled off a bit, with the RBI bringing down the CRR and repo rates recently. Some banks have already announced rate cuts on loans and few others are following suit. So, does it make sense to refinance your existing home loan? Will it help you save significant money by closing your high cost home loan and shifting to another bank that gives a lower interest rate?

Try our Home Loan Refinance Calculator and see how much you can save by transferring your home loan to another bank.

How it works?
  • Outstanding Loan Amount: This is the principal amount that you owe on your current home loan.
  • Current EMI: This is the monthly payment that you make on your current home loan.
  • No of EMIs Remaining: This is the number of monthly payments that you need to make in order to completely pay off your home loan.
  • Prepayment Fee: This is the additional fee that will be charged by your current lender in case you decide to transfer to the new loan.

New Loan Information: Provide more information like processing fees, interest rate and tenure for the new home loan.
  • Processing Fees: This is the fee that will be charged to process your new loan by your new home loan provider.
  • New Interest Rate: This is the interest rate that will be charged on the new home loan you are planning to switch to. This rate is a reducing balance rate with monthly rests.
  • New Tenure: This is the time period over which you will pay off the new loan that you are planning to switch to.

Results Table: Gives you the total money that you can save if you transfer your current home loan.
  • Scenario 1: Under scenario 1 the tool will show you the EMI and the Total interest due on your loan if you wish to stay with your current home loan provider.
  • Scenario 2: Under scenario 2 the tool will show you the new EMI you will have to pay to the new home loan provider. The tool will also show you the prepayment fee, processing fee and the total interest due on your loan if you wish to switch to a new home loan provider.
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