Multiple banks. Different interest rates. Call it a "conflict of interest".
  • HDFC Loan Against Property is Rated as "Great!" by 15970 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
      "Good in Service"
      0.5 5.0/5 "Blown Away!"
      I had taken a Personal loan with HDFC bank and process of applying for a personal loan was easy. There was no documentation required, it was paperless . My application was processed on time,within 10 seconds it was approved. I am happy with the overall services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been applied for HDFC bank personal loan from long time, they have charged me processing fee it was nominal and the rate of interest they have charged me was it was nominal , the loan amount they have given me was sufficient , overall service is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I was been holding my personal loan with HDFC bank long time, the loan amount they have given me was very sufficient, the rate of interest they have charged me up to 17-18% it is high compare to nationalize bank , even processing fee they have charged me up to 2% was nominal, now i have closed it , my experience with this bank was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with HDFC BANK before one year back. The loan duration is 5 years. The documentation procedure is simple. I am satisfied with the interest rate and processing fee is little bit high when compared to others also they have provided an insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am running a personal loan with HDFC Bank and its been taken last year May. Actually I receive a call from the customer support every 6months once for the pre approved loan based on my transactions and credit score. Even I can view the offers and benefits on their net banking whenever I login to the site which am really happy. I think market rate is 14% and they have given me 11.29%.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC personal loan for long time. The loan amount they have given me was sufficient, and the rate of interest they have charged me was nominal, and the processing fee they have charged me was nominal. Still this loan is running.there overall service is good.
      Was this review helpful? 0
      , muzaffarpur
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this loan a while back and the experience i had with this loan was quite good. The loan amount has been sufficient and the interest rate with them was nominal when compared with the market rate. There was no extra charges which they had made so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      Its instant loan approval process which i took from Hdfc bank for personal loan . The approval was so quick as the amount reflected in my bank account in just 10 mins.. The rate of interest is promising one as i got some offers . They gave good tenure period . Only thing which am not satisfied is the processing fees as it is high they charged rs 4500 . Overall their service and response is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The experience with this loan has been quite good and the loan amount which they had provided has been sufficient as well. Their customer support and the staffs had been helpful during the process and the loan amount which they had provided was sufficient as well. There has not been any extra charges which they had made other than the processing fee.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jan 22, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I carry a HDFC credit card and on that i had taken a perosnal loan. I was in need of loan and the moment i sent a request my request was taken care and it was processed with in 10 minutes. The rate of interest is bit high but apart from that i am happy with the services.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 22, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using personal loan with HDFC bank, they have given me good loan amount,it is sufficient for me, as per my requirement they have given me, and the rate of interest they have charged me up to 13%,which is nominal compare to other market value,and the processing fee they had charged around 1.5% was nominal, there is no extra charged, still loan is running 2 Emi installment i have been paid.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 22, 2019
    • HDFC Bank Personal Loan
      "My experience have been good"
      0.5 4.0/5 "Great!"
      Based on the interest rate which they are providing and the service given to me thats the reason i have selected HDFC for my personal loan. The loan disbursal got little bit delayed. They have given me a interest rate of 16% and the processing fee is fine. I have chosen tenure period of 1 year.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 22, 2019
    • HDFC Bank Personal Loan
      "Looking for less interest rate"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC bank and my experience was good, the loan amount expected was for 4.5 lacs but they sanctioned only for 1.47 lacs and the rate of interest was high when compared to other banks. Customer service was good and the tenure period is for 4 years.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jan 21, 2019
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My experience was very good with HDFC bank personal loan, i received my loan amount within 3-4 days. The loan amount was for Rs 75000 with nominal interest rate when compared to other banks. Customer service was good and the tenure period is for 3 years. I am planning to preclose this loan.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 21, 2019
    • HDFC Bank Personal Loan
      "Looking for less interest rate"
      0.5 5.0/5 "Blown Away!"
      It was a fine experience with HDFC bank for personal loan, the process was smooth and i received my loan amount within 1 week. Customer service was good and they responded on time. Rate of interest was high when compared to others. Loan amount was for Rs 4.9 lacs and the tenure period was for 4 years.
      Was this review helpful? 0
      , vellore
      Reviewed on Jan 21, 2019
    • HDFC Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this loan a while back and it is going to get closed in another four months. The loan amount which they had provided was sufficient and the interest rate with them was nominal when compared with the market rate. The charges which they had made also had been nominal as well. There has not been any issues faced with them.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jan 21, 2019
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      It was a fine experience with HDFC bank for personal loan, the process was smooth and i received my loan amount within 1 week. Customer service was good and they responded on time. Rate of interest was nominal when compared to others. Loan amount was for Rs 1 lac and the tenure period was for 2 years
      Was this review helpful? 0
      , bhopal
      Reviewed on Jan 21, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The process was smooth with HDFC bank personal loan application, the loan amount was disbursed within 7-8 days. The rate of interest was nominal when compared to other banks and the loan amount was for Rs 4.4 lacs. Tenure period for this loan is 4 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It was a good experience with personal loan from HDFC bank, i received my loan amount on time and the rate of interest was nominal when compared to others. Loan amount was for Rs 8 lacs with tenure period of 5 years. Customer service was good and they responded on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 21, 2019
    • HDFC Bank Personal Loan
      "Looking for less interest rate"
      0.5 4.0/5 "Great!"
      It was a good experience with HDFC bank for personal loan, the process was smooth and i received my loan amount on time. The loan amount was for Rs 2.5 lacs with high interest rate when compared to other banks. Customer service was good and they collected documents on time. Tenure period for this loan is 4 years.
      Was this review helpful? 0
      , hojai
      Reviewed on Jan 21, 2019
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