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  • DHFL Home Loan Eligibility

    DHFL offers home loans to its customers at affordable rates of interest. The home loans can be availed for a loan repayment tenure of up to 25 years. The loan amount can go up to 90% of the cost of the property wherein the loan requirement is Rs.30 lakh**. The rates of interest start at 8.75%* p.a.

    Note: *Terms and conditions apply

    **Loan amount exceeding Rs.30 lakh will be available on the basis of loan to value prescribed under the policy guidelines of DHFL

    We found 1 DHFL Home Loan Eligibility
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.75% Fixed
    ₹2,500 One time fee
    Rs.1L - Rs.5Crs
    1 - 30 Years
    What you'll love
    Think about
    Good to Know

    DHFL Home Loan Eligibility Criteria

    Minimum Age 21 years and older
    Maximum Age 60 years for salaried individuals
    70 years for self-employed individuals
    Resident type Indian resident
    Employment Type Salaried and self-employed individuals
    Work Experience – Salaried Individuals Minimum service tenure of 3 years
    Work Experience – Self-employed Individuals and professionals Minimum service tenure of 3 years

    DHFL Home Loan Eligibility Based on Salary

    A number of factors go in to checking the home loan eligibility. The approximate loan amount that you will be eligible for can be determined using the home loan eligibility calculator of DHFL. The figures mentioned will be based on the information that you provide.

    For the loan amounts listed in the table below, the loan repayment tenure is assumed to be 25 years and the rate of interest is assumed to be 8.75% p.a.

    Monthly Income Loan Amount
    Rs.25,000 Rs.12,16,332
    Rs.30,000 Rs.16,42,049
    Rs.35,000 Rs.19,15,724
    Rs.40,000 Rs.21,89,398
    Rs.45,000 Rs.24,63,073
    Rs.50,000 Rs.27,36,748
    Rs.55,000 Rs.33,44,914
    Rs.60,000 Rs.36,48,997
    Rs.65,000 Rs.39,53,081
    Rs.70,000 Rs.42,57,164
    Rs.75,000 Rs.45,61,247

    Note: The figures mentioned above are indicative and are based on certain assumptions. The figures are subject to change on the basis of other relevant factors such as the age of the applicant, etc.

    DHFL Home Loan Eligibility Based on Age

    The maximum repayment tenure for DHFL Home Loans is primarily dependent on the age of the applicant. Getting a home loan earlier will make you eligible for the longest loan repayment term.

    The following list shows the maximum loan repayment tenure that an applicant will be eligible for on the basis of his or her age - Salaried individuals only:

    Applicant Age Maximum Eligible Tenure
    21 years to 35 years 25 years
    36 years 24 years
    37 years 23 years
    38 years 22 years
    39 years 21 years
    40 years 20 years
    41 years 19 years
    42 years 18 years
    43 years 17 years
    44 years 16 years
    45years 15 years
    46 years 14 years
    47 years 13 years
    48 years 12 years
    49 years 11 years
    50 years 10 years

    The following list shows the maximum loan repayment tenure that an applicant will be eligible for on the basis of his or her age - Self-employed individuals only:

    Applicant Age Maximum Eligible Tenure
    21 years to 45 years 25 years
    46 years 24 years
    47 years 23 years
    48 years 22 years
    49 years 21 years
    50 years 20 years
    51 years 19 years
    52 years 18 years
    53 years 17 years
    54 years 16 years
    55years 15 years
    56 years 14 years
    57 years 13 years
    58 years 12 years
    59 years 11 years
    60 years 10 years

    DHFL Home Loan Eligibility Based on Credit Score

    Rating Credit Score
    Good 750 and above
    Average 600 - 750
    Poor Below 600

    Minimum CIBIL Score for DHFL Home Loan

    Having a higher CIBIL score strengthens the possibility of your home loan application being approved. In general, a CIBIL score of 650 or more increases the chances of your home loan application approval.

    Factors Affecting DHFL Home Loan Eligibility

    Some of the factors which affect the home loan eligibility of DHFL are listed below:

    • The age of the applicant
    • The credit score of the applicant
    • The repayment capability of the applicant
    • The credit history of the applicant
    • The loan repayment history of the applicant
    • Any other active loans for which the applicant is a co-borrower

    DHFL Home Loan Eligibility FAQ

    1. What is the maximum loan amount that has to be borrowed under the DHFL Star Home Loan scheme?

      DHFL offers home loans to its customers to the extent of 90% of the property cost, provided the loan requirement does not exceed Rs.30 lakh. However, you can also avail loans of more than Rs.30 lakh though DHFL, wherein the loan to value will applicable and it will be as per the terms and conditions of the company.

    2. How can I check my DHFL Home Loan eligibility?

      You can use the Home Loan Eligibility Calculator which is offered by the company to find out your eligibility. The DHFL Home Loan Eligibility Calculator will require you to enter your basic information such as your monthly income, your name, and your mobile phone number. Once you have applied for an enquiry, the representatives of the company will get in touch with you and let you know the loan amount that you might be eligible for.

    3. How can I get in touch with DHFL to know my home loan eligibility?

      You can get in touch with DHFL through their customer care number 1800 3000 1919 or through their email ID response@dhfl.com. You can also consider visiting the nearest branch office of DHFL and get in touch with a representative straightaway.

    4. What is the security that has to be provided by an applicant to be eligible for the DHFL Home Loans?

      In the case of new home loans, the property which is purchased becomes the security. In the case of home extension or renovation loans, the existing property which is being extended or renovated becomes the mortgaged property.


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