HDFC Home Loan Application Status

A home is one of the first things people think of buying, in their youth – how they want it to look like, what are things they will have in the house etc. But as they get older, they realize that to make this dream of theirs come true they need money which is not easy to save with the current economy and inflation crisis. It is to help this goal of people, to buy their dream homes that banks and NBFCs offer home loans. An HDFC home loan EMI calculator can come in handy to customers who wish to take a home loan from HDFC Bank.

A home loan is often a very large amount that you borrow from the bank, for the purpose of buying a home. The EMI also tends to be high and therefore you need to decide before hand how much an amount of loan you would want, what interest rate you are comfortable paying and also the tenure of the loan. 

After applying for the loan, you want to know the status of your application. 

There are many ways to do so, and this article covers these methods for your ease. 

Checking HDFC Home Loan Application Status 

There are various methods of checking your application status, both online and offline. 

Given below are all the methods explained in detail for better understanding. 

How to Check Application Status Offline? 

There is more than one option to check the status of your Home Loan Application Offline, they are: 

  1. Visiting the Bank’s Branch 

You can your home loan status by directly dropping a visit to the HDFC’s branch to meet the  officer in charge and know the status of your home loan application. 

Using the ‘Branch Locator’ option on the website of HDFC Ltd, you can easily locate the  nearest branch in your vicinity. 

Just keep the Application ID or Reference Number that you received while applying for  the Home Loan handy. 

  1. Calling the Customer Care Department 

You can check your home loan status by giving a call to the customer care representative of HDFC Ltd. To get the number, you can refer below to know the phone number to contact HDFC Ltd. As always,  keep your application ID/reference number handy to ascertain the status of your home loan  application. 

You can call on any of the numbers given below to connect with HDFC Ltd. 

  • 1860 267 6161 
  • 6160 6161 
  1. Fincity! 

       One of the easiest ways to check the status of your Home Loan application is by just giving a  call to a Fincity Home Loan representative. They will update you about your HL status as  soon  as possible. 

How to Check Home Loan Application Status Online? 

Users can check the status of their Home Loan application through the HDFC Ltd’s online portal or the also the mobile app. 

Website 

Tracking your HDFC Bank home loan status online through its official website is a very easy procedure.  

Just follow the below mentioned steps: 

  1. Visit the official webpage of HDFC Bank 
  1. Select the ‘Products’ tab. 
  1. A dropdown menu will appear, where you should select the ‘Loans’ option. 
  1. This step will then redirect you to a sub-menu, under which you need to select ‘Home Loans’
  1. Subsequently, you will land on the next page, where you will see a sliding widget on the right side. Click on the option called ‘Home Loan’ on this. 
  1. You will then be taken to another page, where you have to select ‘Track Your Application’  
  1. On the subsequent page, you can notice the ‘Track Your Application’ section. Here, you will find two fields where you can enter your User ID and password which would be given to you at the time of application.   

Select the Submit button and the application status of your home loan will be displayed on the next page. 

Checking Home Loan Application Status on Fincity 

Every Fincity customer can log onto the Fincity online portal and track their HDFC home loan application status. They can also choose to call the customer care number directly and find out the loan status from them. Below are steps involved: 

  • Online: Follow the steps below to track your ICICI home loan application online. 
  • Click https://app.fincity.com and sign in. 
  • Once logged in, you can view your active applications on the Fincity dashboard. 
  • Click the ‘View Application’ option under the specific application whose status you want to check. 
  • You can check the stage your application has reached on the upper-right section of this page. 
  • Via Phone: You can also choose to call a Fincity home loan advisor at 080 4718 8001 and have them help you find out the ICICI home loan status instantly. 

Factors That Affect the EMI of Home Loan  

Home Loan EMI can be calculated using an online Housing Loan Calculator which takes into account many factors like loan amount, interest rate and the tenure or duration for which you are planning to avail the loan. 

Loan amount – This is the amount you want to borrow to fulfil your home needs. ‭‭Home loan amount mainly depends on value of the property for which the loan is availed. 

Fincity offers Home Loan for amounts as low as Rs. 30 lakhs to as high as Rs. 5 Crores. 

Loan ParticularsEMI for 15 Years (Rs.)EMI for 20 Years (Rs.)EMI for 30 Years (Rs.)
EMI 53,762 46,338 39,717 
Total Interest Payable 36,77,181 51,21,127 82,98,077 
TotalAmount Payable 96,77,181 1,11,21,127 1,42,98,077 

Loan Tenure – Loan tenure is the duration over which a Home Loan is repaid. In practice, a shorter tenure results in higher EMIs, but helps you save on the total interest payout of the loan. Longest loan tenure available across banks and NBFC’s in India for buying a home on a loan is around 30 years, subject to borrower’s current age and retirement age.  

Particulars  15 Years EMI (Rs.) 20 Years EMI (Rs.) 30 Years EMI (Rs.) 
EMI 53,762 46,338 39,717 
Total Interest Payable 36,77,181 51,21,127 82,98,077 
TotalAmount Payable 96,77,181 1,11,21,127 1,42,98,077 

Interest Rate – The Rate of Interest is the interest charged on borrowed loan amount and is one of the components of monthly EMI along with principal repayment. 

Loan Particulars EMI for Rs. 40 lakhs (Rs.) EMI for Rs. 60 lakhs (Rs.) EMI for Rs. 1 crore (Rs.) 
EMI 30,892 46,338 77,230 
Total Interest Payable 34,14,085 51,21,127 85,35,212 
TotalAmount Payable 74,14,085 1,11,21,127 1,85,35,212 

Home Loan Fees and Additional Charges 

Depending on the loan type you are applying for, a few charges may be levied. They are mentioned below: 

  • Processing fees: This is a one-time fee that is to be paid to the home loan provider after the loan application has been approved. The processing charge is dependent on the bank and the loan scheme you are applying for, the process charge thus is a variable metric. This fee is non-refundable. 
  • Prepayment charges: This is the fee or the penalty you will have to pay the lender, should you plan to repay your home loan before the completion of the tenure of the loan. 
  • Conversion fees: Some banks might also charge a small conversion fee if and when you decide to switch to a different loan scheme or even a different loan provider in order to decrease the interest rate associated with your current scheme. 
  • Cheque dishonor charges: This type of fee is levied when the loan provider, like the Bank or NBFC, is provided that a cheque issued by the borrower is found to be dishonored due to reasons such as insufficient funds in the borrower’s account. 
  • Home insurance: One of the best ways to protect the home is to insure it. The premium of this insurance should be paid directly to the concerned company during the insurance term to make sure that the insurance policy is running during the home loan tenure. 
  • Default charges: Loan providers also charge a penalty on delayed or missed repayments i.e., if you do not make your Equated Monthly Instalments (EMIs) or Pre-EMIs on time. But these types of defaulting charges vary from one bank to another. 
  • Incidental charges: These charges cover for the expenses and costs incurred by the bank to recover dues from a borrower who has failed to make his monthly instalments on time. 
  • Statutory/regulatory charges: The fee might include all the expenses associated with the Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI), Memorandum of Entry and Deposit, and also stamp duty. You can visit the CERSAI’s official website to know more about these charges. 
  • Photocopy of documents: The fee is paid to the bank if you need a photocopy of your home loan documents for any personal needs. 
  • Change in loan term: Some banks also charge a nominal fee if you think of changing the tenure of your loan. 
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I hereby declare that I have read the consent. and I appoint and allow FINCITY to access my credit information from Credit Information Companies in order to understand my creditworthiness and thereinafter provide personalized values which would help them generate the Credit Information Report, Credit Score and Credit Analysis. I/We hereby authorize FINCITY & its affiliates including banking partners to call or SMS and/or WhatsApp with reference to my application or in relation to any of FINCITY products, notwithstanding anything to the contrary that may be contained anywhere, including any registration for DNC/ NDNC.

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