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  • HDFC Loan Against Property is Rated as "Great!" by 15455 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
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a good experience i had in getting this loan and the process has been simple and easy. The loan amount which they had given has been sufficient and there has not been any sort of charges which they had been making. Overall it was a nice experience.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 19, 2018
    • HDFC Bank Personal Loan
      "Best in Need"
      0.5 5.0/5 "Blown Away!"
      I was in need of Personal loan and at that moment i was cross checking banks who provide reasonable interest rates and i found HDFC giving Reasonable interest rates. Loan tenuity is 3 years and i am pretty much comfortable with their services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 19, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using my personal loan with HDFC bank, the rate of interest they have charged me was up to 16% only which was nominal and the loan amount which they have given me was less as per my expectation , and the processing fee they have charge me was up to 4000 which is nominal but i have problem with tenure period like i expected up to 5 years but i got just 3 years only.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 19, 2018
    • HDFC Bank Personal Loan
      "Need to reduce ROI"
      0.5 4.0/5 "Great!"
      It was a good experience with HDFC bank for personal loan, i received my loan amount within 10 days. The loan amount was for Rs 4 lacs with tenure period of 5 years. They said the rate of interest will be 11.2% but they charges 12.49%. Customer service was good and they responded on time.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 19, 2018
    • HDFC Bank Personal Loan
      "Good personal loan"
      0.5 4.0/5 "Great!"
      2 years before i have taken my personal loan with HDFC. There was no delay in their process of sanctioning the loan. Still the loan is going on. Within one week i have received the loan. I have chosen the tenure period of 5 years. I pay the EMI of Rs. 18000 approximately. I pay the premium through ECS.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2018
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The experience i had with this loan has not been that great where the interest rate with them has been high when compared with the market rate and there has been 0.5% of charges with them as well. But there has been good response from their side.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2018
    • HDFC Bank Personal Loan
      "One click to avail the personal loan"
      0.5 5.0/5 "Blown Away!"
      Six months back, there were special interest rate for the accenture employee. They have provided the interest rate of 10.99%. Every amount will be informed to the customer when i applying for the loan itself. There is no documentation is required since my salary has been credited in HDFC. I have taken the loan amount of Rs. 1.5 lakhs. I'm not sure about the pre-closure and partial payments.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 18, 2018
    • HDFC Bank Personal Loan
      "One click to avail the personal loan"
      0.5 5.0/5 "Blown Away!"
      Its all pre-approved loan. I got with the personal loan within 10 seconds. I can able to withdraw the amount from the ATM. They have provided the interest rate of 11.5% which is bit higher compared to others. I have applied the loan amount of Rs. 80000 with the tenure period of 2 years. I have been paying the EMI of Rs. 3500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2018
    • HDFC Bank Personal Loan
      "Processing charges should be reduced"
      0.5 5.0/5 "Blown Away!"
      I took loan personal loan from HDFC Bank now I have settled the loan. The bank gave me the interest rate around 11% and with Rs. 1500 of high processing fee. Finally I paid all my EMI for the entire tenure period and I got the NOC letter from bank without any issue.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 17, 2018
    • HDFC Bank Personal Loan
      "Quite Good"
      0.5 5.0/5 "Blown Away!"
      According to my elegibility criteria, they have provided the loan with HDFC. I have applied the loan amount of Rs. 8.4 lakhs however they have provided only Rs. 7.63 lakhs. The interest rate charged was 15.75% which i'm okay for me. Processing fee they have charged was 1%. I don't find any difficulty and the documentation process was quite simple.
      Was this review helpful? 0
      , goa
      Reviewed on Nov 17, 2018
    • HDFC Bank Personal Loan
      "Best In Need"
      0.5 5.0/5 "Blown Away!"
      There was aN immediate response at the time when i have submitted my application for personal loan. I was in a need of money and as i hold a salary account with HDFC i applied with them . It got processed in 10 minutes and There was a less documentation work.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 17, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with the HDFC service and they have disbursed the loan on the committed time. The rate of interest was normal and they are doing processing charge of 3% which can be 2%. The loan duration is 2 years. The documents are submitted online and also executive came for verification.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • HDFC Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was a good experience i had with this loan where the process in getting this loan has been easy. It has been an insta loan and the loan amount which they had provided has been satisfactory as well. The interest rate with them has been satisfactory and there has not been any sort of additional charges which they had been making so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using personal loan with HDFC bank , it have been just six months only i have been applied for personal loan and there rate of interest and processing fee is nominal which they have charge me and even loan amount was sufficient to me .
      Was this review helpful? 4
      , kolkata
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My experience is good by taking the personal loan with the HDFC BANK and i have been taken this loan from past 3 years, and they have charge nominal rate of interest up to 17% and even there processing fee is also nominal only, i have taken my loan amount up to 75,000 it is sufficient for me and there customer support team is good.
      Was this review helpful? 3
      , new delhi
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Very good service"
      0.5 4.5/5 "Excellent!"
      My personal loan application was approved with HDFC bank and the experience was good, the process took 1 week to complete and the response from the customer support was very good. The loan amount was for Rs 2 lacs with nominal interest rate and the tenure period was 3 years.
      Was this review helpful? 3
      , raikot
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Need to improve the services"
      0.5 4.5/5 "Excellent!"
      In compared to other banks, the process is very simple and easy in HDFC. The interest rates are little bit high and they have given me a interest rate of 16% last year. I have purchased this loan by last year however the processing time was good. I took the loan amount of Rs. 2.80 lakhs. I pay the EMI of Rs. 7800 for the tenure period of 4 years.
      Was this review helpful? 0
      , vellore
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good loan experience"
      0.5 4.0/5 "Great!"
      Loan received on time from HDFC bank. According my eligibility they have said its 2.3 lakhs however they have provided only 1.6 lakhs. They have charged me a interest rate 21% and i have no idea about the processing fee. I am paying the EMI of Rs. 6800 and i have chosen the tenure period of 36 months. The amount will be auto debited from my account.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "Good loan experience"
      0.5 4.0/5 "Great!"
      Loan received on time from HDFC bank. According my eligibility they have said its 2.3 lakhs however they have provided only 1.6 lakhs. They have charged me a interest rate 21% and i have no idea about the processing fee. I am paying the EMI of Rs. 6800 and i have chosen the tenure period of 36 months. The amount will be auto debited from my account.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2018
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 3.5/5 "Pretty good"
      The reason for taking the personal loan with the HDFC BANK is i am a existing customer of HDFC BANK. The loan amount is sufficient also the rate of interest is higher than the others. The process is simple to get the loan but it got delayed little.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
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