Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Loan Against Property Reviews

    • HDFC Bank Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I am getting the salary of Rs.20,000 but HDFC were expecting the salary around Rs.22,000 hence I am unable to process with them due their norms on the personal loan. HDFC interest was high on personal loan however service wise HDFC is good...
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      , chennai
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Customer's friendly"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me competitive interest rate as per the bank on personal loan, I took the amount of Rs.75,000 for the tenure of three years. It got closed by paying entire tenure period. HDFC response part is really good, they have responded well on request.
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      , new delhi
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The personal loan process was good with HDFC bank and they have disbursed my loan amount within a week time,. The customer service is good with HDFC bank. "The rate of interest is high with HDFC bank when compared with others. I can say I got good service from HDFC.
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      , chennai
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Fast process"
      0.5 4.0/5 "Great!"
      The process at HDFC Bank was super fast and fantastic. They took just a day for the approval and after which I got the personal loan on time. The disbursement was as expected and the interest rate and processing charges is normal. I am happy with the overall process.
      Was this review helpful? 0
      , tandur
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Its Excellent"
      0.5 4.0/5 "Great!"
      I was looking for lower interest on personal loan but HDFC offered me the interest rate around 14% it was huge and not competitive, I am fine with their service part, they contacted me and gave me the regular follow up. But I am not convinced with the interest rate provided by HDFC Bank.
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      , chandigarh
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The HDFC bank has approved and disbursed my loan amount within 1 week time.The customer service is good with HDFC bank they gave prompt response in regards to my personal loan. The rate of interest is nominal with HDFC bank. The required ,loan amount has been approved and I am satisfied with it.
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      , bangalore
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      As soon as I placed a request for the personal loan. HDFC Bank contacted me immediately and processed my details. The process was very convenient and they understood my requirement and gave me the loan. The interest rate and processing charges is also normal.
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      , pune
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Dissatisfaction"
      0.5 1.0/5 "Really Bad"
      Due to personal reason I haven't take personal loan from HDFC but they gave me couple of calls from their end. But HDFC ready to sanction only the interest rate 13.99%, but I was looking for 11% of interest. Hence I don't have idea to go head for loan process.
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      , bangalore
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Good Experience"
      0.5 3.5/5 "Pretty good"
      I don't have issue with HDFC, I am a old customer of the bank, they provides me lower interest but still currently I hold AXIS account, they gave me preapproved loan and also they do have part payment. Hence I didn't take personal loan from HDFC bank.
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      , bangalore
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Good one"
      0.5 3.5/5 "Pretty good"
      I really don't know why HDFC have declined my loan application. Initial process was good HDFC have called me but not from the direct bank some agencies were calling me. I am not sure about it. Finally my loan application got closed, it would be great if they improve the response part.
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      , mumbai
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the personal loan with the HDFC bank and the interest rate is nominal one for me. Customer service is an excellent one fro me and everything is better one for me. Within five days of time, the loan amount got disbursed.
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      , pune
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Interest rate should be market standard"
      0.5 3.0/5 "Satisfactory"
      I was looking for lower personal loan interest rate but HDFC offered me 11% of interest. When other banks are ready to offer 9% of interest. I don't have interest to process with HDFC. Hence I didn't avail that personal loan even their response is not good.
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      , bangalore
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "Super fast process"
      0.5 5.0/5 "Blown Away!"
      I finally got my personal loan with HDFC Bank. All I had to do was to log in to my account online and click on the preapproved option. Once I clicked on it, I got an OTP and after I entered the OTP I got a graph of the EMI selection and in the next two second the amount was in my account. The interest rate was on the higher side. It was nearing 16%.
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      , new delhi
      Reviewed on Sep 25, 2017
    • HDFC Bank Personal Loan
      "It was okay"
      0.5 3.0/5 "Satisfactory"
      I was not at all happy with the service and the experience i had with the HDFC BANK for my personal loan process which I applied for . I actually applied for a personal loan of 3 lakhs but the HDFC bank told that i am only eligible for a personal of rupees 70,000 . The amount was real low as what i need therefore I cancelled the loan.
      Was this review helpful? 0
      , ongole
      Reviewed on Sep 24, 2017
    • HDFC Bank Personal Loan
      "Good"
      0.5 1.0/5 "Really Bad"
      The service which was provided by HDFC BANK for my Personal Loan i applied was bad . The customer service offered by HDFC Bank side is very bad and every documentation was done . The approval process took too much of time in that interval i applied through another bank and within few working days . The correct infromation was also not delivered to me properly.
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      , new delhi
      Reviewed on Sep 24, 2017
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have approached HDFC bank for my personal loan. The rate of interest was low comparing to other banks in the market. I have postponed my loan process due to my personal reason. Their representative helped a lot and the responses was immediate. My overall experience was good.
      Was this review helpful? 0
      , bankura
      Reviewed on Sep 24, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The HDFC processing fee and the charges are average with the personal loan process. The perosnal loan service which HDFC bank gave was quite good. The rate of interest is nominal with HDFC bank. The processing fee and the charge need t o reduced in HDFC bank.
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      , bangalore
      Reviewed on Sep 24, 2017
    • HDFC Bank Personal Loan
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been very professional when ever I reached out to them. I have taken a personal loan and the banking services are excellent. The response was perfect and the process for the loan was also completed on time. The interest rate and processing charges are normal.
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      , kota
      Reviewed on Sep 24, 2017
    • HDFC Bank Personal Loan
      "High interest rate"
      0.5 2.5/5 "Just OK"
      I applied for a personal loan with HDFC BANK. The rate of interest provided by the bank is 14 percentage. For 5 lakhs rupees the rate of rate was too high tho i approached the bank but no executive from the bank end turned up later. thus my application got cancelled.
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      , secunderabad
      Reviewed on Sep 24, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The HDFC bank understands the customers requirement and they will fulfill the customers requirement within the turnaround time. They have disbursed my loan amount within 10days of time. The customer service is good with HDFC bank. The rate of interest is nominal with HDFC bank when compared with others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 24, 2017
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    HDFC Loan Against Property is Rated as "Great!" by 13272 Users

    Fees & Charges

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    Personal Loan BYTES FROM OUR KITCHEN

    HDFC Loan Against Property

    Overview

    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.
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