{"id":1261,"date":"2018-02-18T00:38:58","date_gmt":"2018-02-17T19:08:58","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=1261"},"modified":"2019-09-25T12:40:34","modified_gmt":"2019-09-25T07:10:34","slug":"dhfl-home-loan","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/dhfl-home-loan\/","title":{"rendered":"DHFL Home Loan"},"content":{"rendered":"<p>DHFL&#8217;s system of 359 workplaces that is spread the country over gives administrations to its requesting client base. There are additionally universal agent workplaces in UAE, London, and the 222UK to take into account the expanding NRI populace in these spots. DHFL additionally has tie-ups with private and open division banks, for example, United Bank of India, Punjab and Sind Bank, Central Bank of India and YES Bank.<\/p>\n<div class=\"row btm-pad\">\n<div class=\"col-md-12\">\n<h2 class=\"tcenter\">DHFL Home Loan Interest Rates<\/h2>\n<\/div>\n<\/div>\n<div class=\"row btm-pad\">\n<div class=\"col-md-12 ir-section\">\n<div class=\"row product-hl-table\">\n<div class=\"col-md-12 product-hl-table-head\">DHFL Home Loan Details<\/div>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td>Interest Rate<\/td>\n<td>9% to 9.75%<\/td>\n<\/tr>\n<tr>\n<td>Processing Fees<\/td>\n<td>Rs.5000 to Rs.20000<\/td>\n<\/tr>\n<tr>\n<td>Loan Tenure<\/td>\n<td>1 Year to 30 Years<\/td>\n<\/tr>\n<tr>\n<td>Partial pre-payment Charges<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>Pre-closure Charges<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>Guarantor Required<\/td>\n<td>No Guarantor Required<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"product-content\">\n<div class=\"cta-section\"><\/div>\n<h2>Features of DHFL Housing Loan:<\/h2>\n<ol>\n<li><strong>Loan amount:\u00a0<\/strong>The maximum loan amount available to customers of DHFL Bank can extend up to 80% of the property\u2019s market value, or 85% of the property\u2019s worth (inclusive of registration charges and stamp duty fees), whichever is less.<\/li>\n<li><strong>Loan Tenure:<\/strong>\u00a0Home loans from DHFL Bank can be availed for tenures ranging from one year to 30 years. However, the term will be shorter in case the borrower is nearer to his \/ her retirement age. The term cannot extend beyond 60 years of age for salaried individuals and 65 years for self-employed individuals.<\/li>\n<li><strong>Purpose of Finance:<\/strong>\u00a0Home loans from DHFL Bank can be availed to either construct a home \/ flat, or to purchase an already constructed home \/ flat.<\/li>\n<li><strong>EMI Reduction:\u00a0<\/strong>The EMI on a home loan from DHFL Bank can be reduced if the tenure of the loan selected by the borrower is 30 years. Making the most of this option will ensure that you will have additional cash for living and lifestyle expenses among others.<\/li>\n<li><strong>Rate of Interest:\u00a0<\/strong>Home loans from DHFL Bank can be availed at the Retail Prime Lending Rate (RPLR). This rate changes at regular intervals of time depending upon a variety of factors and conditions that drive the money market.<\/li>\n<li><strong>Processing Fees:\u00a0<\/strong>The processing fee charged to a borrower at the time of availing a loan is basically the fee for processing your application. The processing fee for salaried individuals ranges between Rs.5,000 and Rs.20,000, while the fee applicable to self-employed individuals is 1.5% of the loan amount. Tax will be charged as applicable.<\/li>\n<li><strong>Repayment:<\/strong>\u00a0Individuals who take out a home loan from DHFL Bank will be offered two options with regards to repayment, viz. Electronic Clearing Service and post-dated cheques. Payments through ECS can be made after you have provided standing instructions to your bank, while payments through post-dated cheques will be drawn from your salary \/ savings account.<\/li>\n<li><strong>Tax Benefits:<\/strong>\u00a0Home loans from DHFL Bank provide tax benefits to borrowers. Section 24 of the Income Tax Act of India states that interest amounts paid to the bank will be exempt from tax to the extent of Rs.1.5 lacs. Principal amounts repaid in the same year are also tax free to the extent of Rs.1 lac.<\/li>\n<li><strong>Enhancement of Loan Amount:\u00a0<\/strong>While home loans from DHFL Banks can be availed by individuals, adding a co-applicant can enable you to enhance your loan amount and gain access to additional funds.<\/li>\n<\/ol>\n<h2>DHFL Home Construction Loan Features and Benefits:<\/h2>\n<ol>\n<li><strong>Tenure &amp; Term:\u00a0<\/strong>With the DHFL Home Construction loan you will be eligible to tenure ranging from 1 to 20 years. However, the term does not go beyond the age or 60 years or until retirement, whichever is earlier. Self-employed individuals will get a term of 65 years.<\/li>\n<li><strong>Purpose:<\/strong>\u00a0If you are planning to build your home on a plot of land that you own then the Home Construction Loan is the perfect loan for you.<\/li>\n<li><strong>Low EMI:<\/strong>\u00a0Affordable monthly EMIs thanks to the 20 year tenure that you can avail.<\/li>\n<li><strong>Interest Rates:\u00a0<\/strong>The Interest rate applicable will be based on the money market conditions which will affect DHFL\u2019s Retail Prime Lending Rate (RPLR).<\/li>\n<li><strong>Processing Fees:\u00a0<\/strong>The amount for processing your application will be as follows:<br \/>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td>Self-Employed Professionals (SEP)\/ Salaried individuals (SAL)<\/td>\n<td>Self-Employed Non Professionals (SENP)<\/td>\n<\/tr>\n<tr>\n<td>5000* to Rs. 20,000*<\/td>\n<td>1.5%*<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>* Tax As Applicable<\/li>\n<li><strong>Easy Repayments:<\/strong>\u00a0you can go for either of the following options when it comes to repayment of the loan:<\/li>\n<li>ECS (Electronic Clearing Service) which will be based on standing instructions to your bank<\/li>\n<li>Post Dated Cheques (PDCs) which will be taken from your Savings\/Salary account<\/li>\n<li><strong>Home Loan Tax Benefits:<\/strong>\u00a0Avail Maximum Tax benefit thanks to the Home Construction Loan scheme. You will be saving up to 70,000 tax annually.<\/li>\n<li><strong>Applicant and Co-Applicant:\u00a0<\/strong>You can apply for a Home Construction Loan individually. You can also include an earning co-applicant when applying for a loan so as to further enhance the amount.<\/li>\n<li><strong>Easy Documentation:\u00a0<\/strong>Make sure that your application will be processed as soon as possible by keeping the following documents ready:\n<ul>\n<li>Property related documents<\/li>\n<li>KYC (Know Your Customer) documents<\/li>\n<li>Proof of Income documents and bank statements as per log-in checklist<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>Features of DHFL Home Extension loan:<\/h2>\n<ol>\n<li><strong>Tenure &amp; Term:<\/strong>\u00a0This loan has long tenure terms ranging from 1 to 20 years, giving you flexibility when it comes to repayment. You can get a loan until the age of 60 years or until retirement, whichever is earlier. Self-employed individuals will get a term of 65 years.<\/li>\n<li><strong>Purpose:\u00a0<\/strong>If you are planning to extend a part of your home on a plot that you own, then the DHFL Home Extension Loans is the perfect loan for you.<\/li>\n<li><strong>Low EMI:<\/strong>\u00a0Up to 20 year tenure means that EMIs will be affordable.<\/li>\n<li><strong>Interest Rates:\u00a0<\/strong>The Interest rate applicable will be based on the money market conditions which will affect DHFL\u2019s Retail Prime Lending Rate (RPLR).<\/li>\n<li><strong>Processing Fees:<\/strong>\u00a0The amount for processing your application will be as follows:<br \/>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td>\n<ol>\n<li>Self-Employed Professionals (SEP)\/ Salaried individuals (SAL)<\/li>\n<\/ol>\n<\/td>\n<td>\n<ol>\n<li>Self-Employed Non Professionals (SENP)<\/li>\n<\/ol>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ol>\n<li>5000* to 20,000*<\/li>\n<\/ol>\n<\/td>\n<td>\n<ol>\n<li>1.5%*<\/li>\n<\/ol>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>* GST As Applicable<\/li>\n<li><strong>Easy Repayments:<\/strong>\u00a0you can go for either of the following options when it comes to repayment of the loan:<\/li>\n<li>ECS (Electronic Clearing Service) which will be based on standing instructions to your bank<\/li>\n<li>Post Dated Cheques(PDCs) which will be taken from your Savings\/Salary account<\/li>\n<li><strong>Home Loan Tax Benefits:<\/strong>\u00a0the Home Construction Loan scheme will let you avail maximum tax benefit. You will be saving up to 70,000 tax annually.<\/li>\n<li><strong>Applicant and Co-Applicant:\u00a0<\/strong>You can apply for a Home Construction Loan individually. You can also include an earning co-applicant when applying for a loan so as to further enhance the amount.<\/li>\n<li><strong>Easy Documentation:<\/strong>\u00a0You can make the processing faster by keeping these documents ready:\n<ul>\n<li>Property related documents<\/li>\n<li>KYC (Know Your Customer) documents<\/li>\n<li>Proof of Income documents and bank statements as per log-in checklist<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<div class=\"cta-section\"><\/div>\n<h2>DHFL Home Loan for Self-Employed Features and Benefits:<\/h2>\n<ol>\n<li><strong>Term and Tenure:\u00a0<\/strong>A tenure ranging from 1 year up to a maximum of 15 years can be availed. The loan term can be extended up to the borrower becoming 65 years of age.<\/li>\n<li><strong>Purpose:\u00a0<\/strong>This home loan is tailored for self-employed individuals, both professionals as well as non-professionals, such as doctors.<\/li>\n<li><strong>Low EMI:<\/strong>\u00a0The flexible repayment option of your loan, along with the extended loan tenure, means that the EMI is reduced significantly so that your lifestyle is not affected.<\/li>\n<li><strong>Interest Rates:\u00a0<\/strong>The Interest rate applicable will be based on the money market conditions which will affect DHFL\u2019s Retail Prime Lending Rate (RPLR).<\/li>\n<li><strong>Processing Fees:\u00a0<\/strong>As a Self-Employed Professional or a Salaried Individual (SAL), a fee between Rs. 5000 and Rs. 20000 will be charged. As a Self-Employed Non Professional (SENP), the applicant will be charged 1.5%.<\/li>\n<li>You have options of repayment and based on the EMI chosen on your Home Loan, you can opt for Electronic Clearing Service and Post Dated Cheques.<\/li>\n<li><strong>Applicant\/ Co \u2013 Applicant Option:<\/strong>\u00a0Application for the loan can be done as a sole applicant or you can have a co-applicant. If opting to apply with co-applicant, the loan amount that you are eligible for can be enhanced considerably.<\/li>\n<li><strong>Simple Documentation Process:<\/strong>\u00a0One of the highlights of applying for a home loan at DHFL is the extremely simple documentation process. The following documents need to be submitted: KYC documents, a. Documents related to the property, Bank Statements\/ Proof of Income documents as per the login checklist.<\/li>\n<\/ol>\n<h2>DHFL Housing Loan Eligibility<\/h2>\n<p>Applicants can avail 80% of market value or up to 85% of the cost of property (which includes stamp duty and registration fees), whichever is lower, as home loan. If applying with an earning co-applicant, the loan amount can be further enhanced.<\/p>\n<p>The following factors are taken into account to determine the actual Home Loan amount:<\/p>\n<ul>\n<li>Age<\/li>\n<li>Repayment Capacity<\/li>\n<li>Educational qualifications<\/li>\n<li>Number of dependents<\/li>\n<li>Stability and continuity of income<\/li>\n<li>Co-applicant\u2019s income<\/li>\n<li>Liabilities<\/li>\n<li>Assets<\/li>\n<li>Saving habits etc.<\/li>\n<\/ul>\n<h2>Documents Required for DHFL Home Loan<\/h2>\n<p>For verification purpose, you will need to provide the original documents. If you do not fall under any of these categories of applicant, please refer to the official website to check the required documents that you will need.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Type of Applicant<\/strong><\/td>\n<td><strong>Documentation<\/strong><\/td>\n<\/tr>\n<tr>\n<td rowspan=\"5\"><strong>Salaried Individuals<\/strong><\/td>\n<td>\n<ul>\n<li>KYC Documents<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Last two month\u2019s salary slip \/ Salary Certificate. In case you happen to have gotten variables such as Over Time and Incentives, you must provide the salary slips for the past 6 months.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>If the salary is above Rs. 20000\/- per month, you will need to give the latest Form \u2013 16.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Last three months\u2019 copy of all bank statements\/ bank passbooks. This includes the front page<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>If the organization is not very well know, you will need to provide the Company profile.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"10\"><strong>Self \u2013 Employed Businessmen<\/strong><\/td>\n<td>\n<ul>\n<li>KYC Documents<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Computation of income attested by a Chartered Accountant as well as copy of last 2 years Income Tax Returns of the applicant.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of last 2 Years Profit &amp; Loss Account and balance sheet of the organization which is attested by a Chartered Accountant<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Short Business Profile on the Letter Head of the organization.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Bank Statement for the last 6 months for the Savings Account &amp; Current Account, O\/D Account<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of Shop &amp; Establishment License \/registration or old ITRs evidencing business \/ VAT Registration or any other mandatory license<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Articles of Association (if applicable), Copy of the Partnership Deed, Memorandum of Associations,<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Form \u2013 16A \/ Copy of Tax Deduction Certificate (if applicable)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Contract details (if applicable)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of Self-Assessment Tax paid challan \/ Advance Tax paid<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"13\"><strong>Self-employed professionals<\/strong><\/td>\n<td>\n<ul>\n<li>KYC Documents<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Computation of income attested by a Chartered Accountant as well as copy of last 2 years Income Tax Returns of the applicant.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of last 2 Years Profit &amp; Loss Account and balance sheet of the organization which is attested by a Chartered Accountant<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Short Business Profile on the Letter Head of the organization.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Bank Statement for the last 6 months for the Savings Account &amp; Current Account, O\/D Account<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of Shop &amp; Establishment License \/ registration or old ITRs evidencing business \/ VAT Registration or any other mandatory license<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Articles of Association (if applicable), Copy of the Partnership Deed, Memorandum of Associations,<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Form \u2013 16A \/ Copy of Tax Deduction Certificate (if applicable)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Contract details (if applicable)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of Self-Assessment Tax paid challan \/ Advance Tax paid<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of Educational Qualification Certificate<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Salary Certificate (in case of doctors having salaried income)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of Professional Practice Certificate<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"15\"><strong>Non resident Indians (NRIs)<\/strong><\/td>\n<td>\n<ul>\n<li>KYC Documents<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Last three month\u2019s salary slip \/ Salary Certificate. In case you happen to have gotten variables such as Over Time and Incentives, you must provide the salary slips for the past 6 months.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Salary Certificate from the employer which mentions the name of the applicant as it appears in the passport, passport number, date of joining, latest salary, designation and perquisites. This must be mentioned in English.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>222<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>If the applicant is a Self Employed Individual, he\/she needs to provide documents which prove the business (such as Trade License, agreement with a sponsor or Registered Power of Attorney etc.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Passport copy with valid residence visa page.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Property related documents and detailed cost estimates which has been drawn up by an Architect\/ Engineer (from India).<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Labor contract copy \/ Work Permit\/ Photocopy of Identity card or any other proof of employment which was issued by concerned Government authorities.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Draft payable at the place where the application will be processed or processing fee cheque drawn on applicant\u2019s bank in India.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>If applicable, copy of all overseas bank statements<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>If documentary evidence like frequent remittance of fund to India or bank statement for credit salary is not available, the income documents for salaried should be attested by the embassy official<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Last 6 months\u2019 copy of NRO\/ NRE bank statement<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>If applicable, last 6 months\u2019 copy of all overseas bank statements<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Copy of Continuous Discharge Certificates<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>If applicant is not available in India, the Power of Attorney (POA) for signing of documents in DHFL\u2019s format will have to be provided.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>List of Loan Documents Needed for KYC Compliance:<\/h3>\n<ol>\n<li><strong>Photo Id Proof (Any One)<\/strong>\n<ul>\n<li>Passport<\/li>\n<li>PAN Card<\/li>\n<li>Voters ID Card<\/li>\n<li>Driving License<\/li>\n<\/ul>\n<\/li>\n<li><strong>Residence Proof (Any One)<\/strong>\n<ul>\n<li>Telephone Bill<\/li>\n<li>Letter from Employer<\/li>\n<li>Electricity Bill<\/li>\n<li>Ration Card<\/li>\n<li>Bank Statement \/ Passbook with address<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<div class=\"cta-section\"><\/div>\n<h2>DHFL <a href=\"https:\/\/www.antworksmoney.com\/compare\/housing-loan-offers\">Home Loan<\/a> Interest Rate:<\/h2>\n<p>The table below indicates the interest rate which starts at 9.00% and goes up to 10.00%. This varies depending on whether the borrower is in the category of salaried individual, SEP or SENP. The interest rate is also dependent on the loan amount:<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Loan Amount<\/strong><\/td>\n<td><strong>Entity<\/strong><\/td>\n<td><strong>Applicable ROI DHFL (Salaried \/ SENP\/ SEP)<\/strong><\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Up to Rs. 25 Lacs<\/td>\n<td>SEP\/ Salaried<\/td>\n<td>9.00%<\/td>\n<\/tr>\n<tr>\n<td>SENP<\/td>\n<td>9.10%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Above Rs. 25 Lacs up to 75 Lacs<\/td>\n<td>SEP\/ Salaried<\/td>\n<td>9.00%<\/td>\n<\/tr>\n<tr>\n<td>SENP<\/td>\n<td>9.010%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Above Rs. 75 Lacs to Rs. 100 Lacs<\/td>\n<td>SEP\/ Salaried<\/td>\n<td>9.15%<\/td>\n<\/tr>\n<tr>\n<td>SENP<\/td>\n<td>9.25%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Loans above Rs. 100 Lacs to Rs. 150 Lacs<\/td>\n<td>SEP\/ Salaried<\/td>\n<td>9.15%<\/td>\n<\/tr>\n<tr>\n<td>SENP<\/td>\n<td>9.25%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Loans above Rs. 150 Lacs to Rs. 300 Lacs<\/td>\n<td>SEP\/ Salaried<\/td>\n<td>9.35%<\/td>\n<\/tr>\n<tr>\n<td>SENP<\/td>\n<td>9.45%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Loans above Rs. 300 Lacs<\/td>\n<td>SEP\/ Salaried<\/td>\n<td>9.75%<\/td>\n<\/tr>\n<tr>\n<td>SENP<\/td>\n<td>10.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>DHFL Home Loan Fees and Charges<\/h2>\n<p>DHFL makes sure that customers are completely satisfied with their home loans by providing various added services. Here is a list of home loan associated services and their charges<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Sr.<\/strong><\/td>\n<td><strong>Charges<\/strong><\/td>\n<td><strong>Home Loans<\/strong><\/td>\n<\/tr>\n<tr>\n<td>1<\/td>\n<td>Modification Charges\/ CERSAI Registry<\/td>\n<td>For loans up to Rs. 5 Lacs, the modification charge is Rs. 50\/ + Applicable Tax For loans above Rs. 5 Lacs, the modification charge is Rs. 100\/ + Applicable Tax<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>Technical Fee (for property situated outside geographic limit or for additional property or for pre technical)<\/td>\n<td>If its within 60 Km radius, the borrower will not be charged. If it\u2019s beyond 60 Km, the borrower will be charged Rs. 500 for first Visit and Rs. 750 for subsequent Visit.<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>Valuation fee in Construction Linked Loan cases<\/td>\n<td>For the first visit, the borrower will not be charged. After the first visit, the rest of the visits will be charged Rs. 500 per visit<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>Overdue Charges on default instalment (EMI\/Pre-EMI)<\/td>\n<td>On the outstanding dues, 18% Per annum<\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>ECS\/ Cheque Bounce Charges<\/td>\n<td>Rs 250 and Applicable tax<\/td>\n<\/tr>\n<tr>\n<td>6<\/td>\n<td>Pay Order\/ Demand Draft issuance Charges<\/td>\n<td>Actual Bank Charges or Rs. 150 per lac, whichever is higher + Applicable Tax<\/td>\n<\/tr>\n<tr>\n<td>7<\/td>\n<td>ECS\/ Cheque Swapping Charges (per set)<\/td>\n<td>Rs. 250 per swap<\/td>\n<\/tr>\n<tr>\n<td>8<\/td>\n<td>Prepayment Charges (Easy Land-cum Construction Loans\/ Plot loans)<\/td>\n<td>3% + Applicable Tax in the event that the borrower failed to construct the housing unit on the plot within 3 years from when he\/she received the first disbursement of the loan.<\/td>\n<\/tr>\n<tr>\n<td>9<\/td>\n<td>Legal Charges<\/td>\n<td>Legal charges will be charged on a case to case basis<\/td>\n<\/tr>\n<tr>\n<td>10<\/td>\n<td>Conversion Charges<\/td>\n<td>For loan up to 75 lac, Rs. 2500 + Applicable Tax will be charged. For loan above 75 lac, Rs. 5000 + Applicable Tax will be charged<\/td>\n<\/tr>\n<tr>\n<td>11<\/td>\n<td>Non-encumbrance Certificate<\/td>\n<td>At actual<\/td>\n<\/tr>\n<tr>\n<td>12<\/td>\n<td>Recovery Charges<\/td>\n<td>At actual<\/td>\n<\/tr>\n<tr>\n<td>13<\/td>\n<td>Duplicate No Dues Certificate<\/td>\n<td>Rs. 250\/- + Applicable Tax<\/td>\n<\/tr>\n<tr>\n<td>14<\/td>\n<td>Copy of Property Papers<\/td>\n<td>Rs. 500\/- + Applicable Tax<\/td>\n<\/tr>\n<tr>\n<td>15<\/td>\n<td>Custodial Fee for keeping Property Documents in Closed Loans<\/td>\n<td>Rs. 500 per month (post 60 days from loan closure date) + Service Tax<\/td>\n<\/tr>\n<tr>\n<td>16<\/td>\n<td>Duplicate Annual Account Statement, Provisional Certificate<\/td>\n<td>Rs. 250\/- + Applicable Tax<\/td>\n<\/tr>\n<tr>\n<td>17<\/td>\n<td>Documents Retrieval and Handling Charges (This will be chargeable when the applicant hands over security documents on closure of loan)<\/td>\n<td>Rs. 2000\/ for loan above Rs. 10 Lacs + Applicable Tax Rs. 1000\/- for loans up to Rs. 10 Lacs + Applicable Tax<\/td>\n<\/tr>\n<tr>\n<td>18<\/td>\n<td>Loan closure (fully)\/ prepayment statement charges<\/td>\n<td>Rs. 500 + GST<\/td>\n<\/tr>\n<tr>\n<td>19<\/td>\n<td>Interest \/ECS Bounce charges in FD repayment \/ Brokerage payment due to customer\u2019s error\/ fault relating to Bank account as above<\/td>\n<td>Rs. 250 per transaction + Applicable Tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Customer Profile<\/strong><\/td>\n<td><\/td>\n<td><strong>Min Log In Fees<\/strong><\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\"><strong>SENP<\/strong><\/td>\n<td>PF for SENP (Net PAT): 0.5% + Taxes<\/td>\n<td rowspan=\"2\">Rs. 2500 or applicable PF whichever is lower + Taxes<\/td>\n<\/tr>\n<tr>\n<td>(Others): 1.5% + Taxes<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\"><strong>Salaried\/SEP<\/strong><\/td>\n<td>Loans above 75 lacs: Rs. 20000\/- + Doc Charges + Taxes<\/td>\n<td rowspan=\"3\">Applicable PF or Rs. 2500, whichever is lower + Taxes<\/td>\n<\/tr>\n<tr>\n<td>Loans above 30 lacs and up to 75 lacs = Rs. 10000\/- + Doc Charges + Taxes<\/td>\n<\/tr>\n<tr>\n<td>Loans up to 30 Lacs = Rs. 5000\/- + Doc Charges + Taxes<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>DHFL Home Loans <a href=\"https:\/\/www.antworksmoney.com\/Emi-cal\">EMI Calculator<\/a>:<\/h2>\n<ul>\n<li>Go to the official website of home loan EMI calculator page: www.dhfl.com\/home-loan-emi-calculator\/<\/li>\n<li>Enter your name.<\/li>\n<li>Enter your email ID.<\/li>\n<li>Enter your mobile number.<\/li>\n<li>Check the box above the \u2018Submit\u2019 button.<\/li>\n<li>Click on \u2018Submit\u2019 to know your EMIs.<\/li>\n<\/ul>\n<h2>Types of Home Loan Schemes Provided by DHFL<\/h2>\n<ol>\n<li><strong>Home Purchase Loan:<\/strong>\u00a0This loan is commonly availed to purchase a home.<\/li>\n<li><strong>Home Construction Loan:<\/strong>\u00a0This loan is availed for the construction of a new home<\/li>\n<li><strong>Home Improvement Loan:<\/strong>\u00a0This loan is availed to carry out repair works and renovations to a housing unit that is already owned by the borrower.<\/li>\n<li><strong>Home Extension Loan:<\/strong>\u00a0This loan is availed for the purpose of expanding\/ extending an existing home (for example, adding an extra room, etc.)<\/li>\n<li><strong>Land Purchase Loan:<\/strong>\u00a0This loan is availed for the purchase of land, for investment or to construct a home.<\/li>\n<li><strong>Plot Loans:<\/strong>\u00a0This type of home loan is availed for applicants to purchase Non-Agriculture Plot Loans.<\/li>\n<li><strong>Home Loans for Self Employed:\u00a0<\/strong>This home loan is tailored to meet the needs of Self-employed Professionals and Non-Professionals (like Doctors, Small retailers, Architects etc.)<\/li>\n<li><strong>Home Loan Transfer:\u00a0<\/strong>This Home loan is for the purpose of transferring the home loan from other Housing finance companies or Banks.<\/li>\n<\/ol>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>DHFL&#8217;s system of 359 workplaces that is spread the country over gives administrations to its requesting client base. There are additionally universal agent workplaces in UAE, London, and the 222UK to take into account the expanding NRI populace in these spots. DHFL additionally has tie-ups with private and open division banks, for example, United Bank &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/dhfl-home-loan\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;DHFL Home Loan&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1261","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>DHFL Home Loan for Self-Employed Features and Benefits<\/title>\r\n<meta name=\"description\" content=\"DHFL Home Loan - DHFL&#039;s system of 359 workplaces that is spread the country over gives administrations to its requesting client base...\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/dhfl-home-loan\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"DHFL Home Loan for Self-Employed Features and Benefits\" \/>\r\n<meta property=\"og:description\" content=\"DHFL Home Loan - 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