Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Loan Against Property is Rated as "Great!" by 14150 Users

    Fees & Charges

    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN

    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 service"
      0.5 5.0/5 "Blown Away!"
      The HDFC personal loan service was good and I have got the loan amount within 3 days of time. The customer support is prompt with the HDFC bank and they give good response to the customers,. The required loan amount has been given and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The personal loan service was average with the HDFC bank . The interest rate is very high with the HDFC bank personal loan service. I got the personal loan around 6 months ago. They have taken around 10minutes to disburse my loan amount, because I have applied for the personal loan via HDFC bank net banking.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.5/5 "Excellent!"
      I have my personal loan with HDFC Bank . The loan amount was 2 lakhs and the interest rate was 15-16% which was very high than other banks in the market . The tenure period was 4 years and they have sanctioned the loan with the committed time. The customer service and responses was satisfactory .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The rate of interest offered by hdfc personal loan department was little high compared to others in the market ,but they ask for lot of documents during the process and the payments where generally through online. The customer support was good it was a good experience with hdfc personal loan department.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 14, 2017
    • HDFC Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC. The approved loan amount was 2 lakhs. The rate of interest was 14%. I have taken the tenure for 24 months. Since i hold a saving account with HDFC bank, within 48 hours the amount got credited. It was a good experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • HDFC Bank Personal Loan
      "Better"
      0.5 3.0/5 "Satisfactory"
      I had closed my personal loan with HDFC bank before 2 years. It was a good experience. The customer service and response was good. The executive came to my place and collected the documents. I have taken 22L for 16 months. The interest rate was normal like other banks on that time.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 13, 2017
    • HDFC Bank Personal Loan
      "Overall process is good"
      0.5 4.0/5 "Great!"
      HDFC Bank is overall good and I have taken a personal loan from them. I had no hassles with the interest rate and charges. It was normal process and they were quick to disburse the loan. The after loan process is also satisfactory. In all no issues.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 13, 2017
    • HDFC Bank Personal Loan
      "Interest and Charges should be reduced"
      0.5 4.0/5 "Great!"
      Previously I had loan with HDFC, I took principal amount Rs. 4 lakhs but there interest rate was high around 14.5% so I have done balance transfer from HDFC to ICICI. Documentation process was very simple with HDFC bank. But I was disappointed with the rate of interest and foreclosure charges.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The personal loan service has been given by HDFC around 6 months ago. The process was smooth with HDFC bank. They have disbursed the loan amount with in 3 days time. The required loan amount has been disbursed and I am satisfied with it. The rate of interest was 12.5%, I would say it is low when compared with others.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 12, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Hdfc bank.I have requested for 3.50 lakhs hover they have credited only 1.80 lakhs post deducting processing fees and insurance charge.I am not happy with the service as they need to be transparent the customers.They initially told it will be process within 24 hours but its got credited after 10 days.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with Hdfc bank.The loan amount is received as expected Rate of interest is nominal as compared to other banks. They had processed the request within the turn around time.Its hassle free banking with them.The website is easy to understand and navigate.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 12, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with Hdfc bank.The loan amount is 98,000,rate of interest is nominal compared to others.They had immediately processed the request and was credited on time.The executives shared complete details.Net banking and phone banking service is good.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 12, 2017
    • HDFC Bank Personal Loan
      "Need to improve documentaion procedure"
      0.5 4.0/5 "Great!"
      I have applied for a personal loan with Hdfc bank.The loan amount is 2.70 lakhs.The service is not up to the mark they have asked to submit documents multiple times which was required and the payment options are not easy to understand,no one has called me so far post getting loan and explained the procedure and charges are high.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 12, 2017
    • HDFC Bank Personal Loan
      "Best service"
      0.5 4.5/5 "Excellent!"
      My personal loan experience with HDFC bank was very good, the loan amount was for Rs 1.28 lakhs with the nominal rate of interest when compared to other banks. Customer service was good and their response was prompt. The loan amount got transfered to my account within 5 minutes and the process was very quick.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 11, 2017
    • HDFC Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience with HDFC bank was good, the loan amount was for Rs 1 lakh and the rate of interest was less when compared to all other banks. The process was very smooth and my loan amount was approved within the given time. Customer service was good and they provided door step service to collect the documents. It was overall a good service from HDFC bank.
      Was this review helpful? 2
      , kolkata
      Reviewed on Dec 11, 2017
    • HDFC Bank Personal Loan
      "Best"
      0.5 4.0/5 "Great!"
      I am having the personal loan with the HDFC bank and the interest rate is good one. The loan amount got disbursed within ten days of time. Everything is good one with the HDFC bank for the credit process.
      Was this review helpful? 2
      , chennai
      Reviewed on Dec 11, 2017
    • HDFC Bank Personal Loan
      "Good "
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC bank. The loan amount was 2 lakhs and the rate of interest was satisfactory . The customer service and responses was good. The processing fee was 7000 which was bit high but I had a very hassle free. My overall experience was good.
      Was this review helpful? 0
      , kollam
      Reviewed on Dec 11, 2017
    • HDFC Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had closed the personal loan with the HDFC bank too and currently its a top up loan now . I would like to say that the rate of interest was around 15% and the loan amount got disbursed within two weeks of time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2017
    • HDFC Bank Personal Loan
      "Average"
      0.5 4.0/5 "Great!"
      I have the personal loan with the HDFC bank and the interest rate was around 13.5%, also they have disbursed the loan amount within two weeks of time. I am happy with the HDFC bank and everything is fine one for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a smooth process with hdfc for my personal loan service ,the customer support was good. The rate of interest they offered me was fine compared to others in the market and the documents have been collected from my door step it was a excellent service from hdfc personal loan department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
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