Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Loan Against Property is Rated as "Great!" by 14995 Users

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    HDFC Loan Against Property

    Now, you can easily fulfill all your long cherished dreams with HDFC Bank loan against property. The bank offers loans against property at attractive rates of interest. You can use your property as security and receive higher amount to fulfill your personal and business related needs. It is very simple to get a loan against property from HDFC Bank. The bank maintains a speed process of approval and disbursement with minimal documentation. Since, the interest rates on loan against property is less, you can enjoy the benefit of paying lower EMIs.

    Key feature of HDFC Bank Loan against Property (Mortgage Loan)

    The loan against property offered by HDFC Bank comes with a number of attractive features including:

    • Interest rates: The bank offers attractive rate of interest on loan against property.
    • High loan amount: A borrower can receive higher loan amount against his/her property for longer tenure.
    • Faster processing and quick approvals with minimal documentation.
    • HDFC Bank accepts both residential and commercial properties as security.
    • The bank offer customized loan options for self-employed individuals.

    Benefits of HDFC Bank Loan against Property

    A borrower can avail the following benefits with an HDFC Bank Loan against Property (Mortgage Loan):

    • The amount received as loan against property can be used for funding personal as well as business needs.
    • You can choose your repayment options as per your convenience. You can repay via Dropline Overdraft Facility or Equated Monthly Installments.
    • The bank offers higher loan amount with lower monthly EMIs.

    Documents required for HDFC Loan against Property

    The following documents are required for salaried and self-employed individuals:

    For Salaried individuals

    • Proof of Residence ( Any one of the following documents will do - Ration Card , Telephone Bill, Electricity Bill or Voter's ID Card)
    • Proof of Identity – ( Voter's Card, Driver's License or Employer's – any of the following documents will be accepted )
    • Bank Statement / Passbook of last 6 months.
    • Salary slip of last 6 months.
    • Form 16 for previous 2 years.
    • Legal documents of the concerned property.

    For Self-employed individuals

    • Certified financial statement of last 3 years.
    • Proof of Residence – (Ration Card, Telephone Bill, Electricity Bill and Voters Card – any of the documents will do).
    • Proof of Identity - Voter's Card , Driver's License and Employer's Card - either of them will do)
    • Latest Bank Statement or Passbook.
    • Copies of all property documents which you want to use as collateral.

    HDFC Bank Loan against Property Interest Rate

    HDFC Bank charges the following rats of interest on loan against property:

    Property type

    Interest Rates

    Loan against Property / Loan for Commercial Property

    11.35% to 12.85%

    Loan against Rent Receivables

    11.35% to 12.85%

    Dropline Overdraft against Property / Commercial OD against Property

    12.10% to 13.35%

    The bank charges a processing fees of 1% of the total loan amount. The above-mentioned interest rates charged on loans against property are subject to change without giving any prior notification.

    HDFC Bank Loan against Property Eligibility

    The eligibility criteria for HDFC Bank Loan against Property include:

    • Salaried professionals working in government or private organizations are eligible.
    • Self-employed individuals engaged in different business activities. The bank offers exclusive offers and schemes for self-employed professionals.

    HDFC Loan Against Property Reviews

    • HDFC Bank Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It had been a very good experience with this Personal loan and the process in getting this loan had been smooth and easy. The loan amount which they had provided had been satisfactory and the interest rate with them had been nominal when compared with the market rate. The customer support of them and their staff responses had been good while the processing of the loan.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC Bank. The loan amount was 3 lakhs and the interest rate was stayfscatory . The process was very smooth and there is no processing fee here. I completely satisfied with the service here and i liked the coordination also., The loan was approved on time so I would like tor recommend to others.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Better Service"
      0.5 4.0/5 "Great!"
      I took a personal loan from the HDFC Rs. 3.6 Lacs for 5 years. It was amazing, I applied directly but rejected the application. When I applied online I got the loan amount with in 5 days. The interest rate is normal when comparing with the other banks
      Was this review helpful? 0
      , pune
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this loan had been smooth and easy, where the loan amount which they had provided also had been satisfactory as well. The interest rate which they where charging had been nominal and there has not been any processing fee or any sort of extra charges which they had charged so far. Overall it had been a good experience with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      I took a personal loan from the HDFC bank for 2.5 lacs, it was a good experience, the interest was lower. I got the loan amount2-3 days. There were some issues with the address verification. Overall it has been a very good experience in taking a personal from the HDFC bank.
      Was this review helpful? 0
      , kurnool
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from the HDFC bank for 2 lacs, I applied at the branch and it was also pre-approved . There were no hassles during the application and documentation. It was a smooth personal loan experience. The interest rate was also nominal.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Normal service"
      0.5 4.0/5 "Great!"
      The process in getting this personal loan had been a little slow and the process has took some delay. The loan amount which they had provided had been satisfactory but the interest rate has been a little high when compared with the market rate. I have taken this loan for the Home Renovation.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I took a personal loan from the HDFC bank for 2.3 lacs, the experience is good, The interest rate was normal. I got the loan amount with in 7 working days, the customer support follow up was also very good. it was a hassle free loan experience with the HDFC bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have taken my personal loan wit HDFC bank. The process was quiet smooth and hassle free . The loan was disbursed with in a week which is amazing . I have taken 2 lakhs and the interest rate was but high when compared with other banks ,. The tenure period was 36 months. The documentation was very fats and the processing fee was nominal. I must say that their executives were very helpful and guided me through out the process
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've taken a personal loan from the HDFC bank for 50000. The rate of interest was fair, it was long back and the whole application process and the documentation was easy and hassle free. Overall it has been a smooth loan experience with the HDFC bank.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Very good"
      0.5 4.5/5 "Excellent!"
      I have taken my personal loan with HDFC bank. The loan amount was 2 lakhs and the interest rate was high . The tenure period was 5 years . The customer service and responses was really good. I had a very satisfactory loan process and even the documentation was very fast. The processing fee was nominal.
      Was this review helpful? 0
      , raichur
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      MY credit card was taken with HDFC Bank. The process was very excellent here . The interest rate was satisfactory and the loan amount was 5 lakhs . The EMI period was 5 years . I have faced few issues and those are negligible. The documentation was bit tedious and the loan approved git delayed but the processing fee was quite nominal.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC bank The loan amount was 2.5 lakhs and the tenure period was 5 years. Their interest rate was very high but the process was quite good . They have provided door step service for collecting documents and the executives were very helpful. The process fee was also high here . The documentation was very hassle free .
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan with HDFC bank and my experience was good, the loan amount was for Rs 2.5 lakhs with nominal interest rate when compared to other banks. There is no foreclosure allowed till 1 year. The tenure period of this loan is 2 years and the customer service was good.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC bank and my loan experience was good, the loan amount was for Rs 2 lakhs with nominal interest rate when compared to other banks. Customer service was good and they followed up on time. The tenure for this loan is 2 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with HDFC bank 2 years back.The loan amount was 2.5 lakhs and the interest rate was satisfactory . The EMI period was 4 years and I have taken a top up loan also 1 year back. The process took Its 4 days and they have disbursed the amount with in a week which is very good. The processing fee was also very nominal . I had a good experience here.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 19, 2018
    • HDFC Bank Personal Loan
      "Average loan services"
      0.5 3.0/5 "Satisfactory"
      I don't gone through their customer care service so far. They have given me a interest rate of 14.5% which is very high. I have got the loan amount of Rs. 4 lakhs and they have charged mea 4% as processing fee. I have taken the tenure period of 5 years. I have taken the personal loan 1.5 years back. I have received the loan on time.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 19, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC Bank 1 month back. The loan amount was 2,50,000 and the interest rate was satisfactory . The customer service and responses was up to the mark. The tenure period was 48 months . The documentation was quick and proper. The processing fee was also nominal.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 19, 2018
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan with HDFC bank and my experience was good, the loan amount was for Rs 3 lakhs with 1 lakh top up loan. The rate of interest was nominal when compared to others. Customer service was good, the tenure period was for 5 years and i preclosed the loan in 3 years. They charged 2% as penalty for preclosure.
      Was this review helpful? 3
      , mumbai
      Reviewed on Jul 18, 2018
    • HDFC Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with HDFC bank 4 months back. The loan amount was 1,4000 and the interest rate was very high . The tenure period was 3 years . I am satisfied with the service here . The process was very good and the documentation was quite satisfactory since i hold my debit card here , it was easy. The processing fee was very high and the loan was approached on time
      Was this review helpful? 2
      , chennai
      Reviewed on Jul 18, 2018
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