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HDFC Loan Against Property

HDFC Bank provides Loan Against Property, get maximum loan amount at lower rates. Apply now & get quick approval on loan! Check your Eligibility.
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HDFC bank loan against property

Want to take your business on a new height then why are you waiting? Pledge your property to get the loan & apply today Get an HDFC Loan Against Property to fulfil your personal and professional needs.

Features and benefits of Loan Against Property


  • Enjoy competitive interest rates
  • Quick loan approval
  • Loan Tenure will depend on your loan amount, interest rate, etc


  • Quick and hassle-free documentation process.
  • Simple monthly instalment repayment option.
  • Both salaried or self-employed are eligible.
  • Continuous ownership of property.

 Also Read:-What is Buyers Credit

Types of HDFC Loan Against Property 

There are three types of HDFC loan against property that you can consider are:

HDFC Loan Against Property Fixed Rate Loan: Fixed rate loan name itself clarifies that it is a fixed rate of interest available on this loan. At the time of loan application rate of interest and EMI will be calculated beforehand. Your rate will be fixed, and you must pay on monthly payments basic.

HDFC Loan Against Property Adjustable Rate Loan: For an initial time rate of interest in fixed afterward, monthly or yearly intervals takes place wherein loan against property interest rates changes.

HDFC Loan Against Property Interest Rate

HDFC bank loan against property interest rate is different for all category as mention in given table.


Salaried Borrowers 

Self-Employed Individual Borrowers 

Firms & Companies 

Interest Rate

8.00% to 11.00%

9.00% to 11.00%

9.00% to 11.00%


Up to 20 years

Up to 20 years

Up to 20 years

Loan Amount

Up to Rs.25 crore

Up to Rs.25 crore 


Up to Rs.25 crore


Compare HDFC Loan Against Property Interest Rate with Top Banks 

Bank Name  Interest Rate 
HDFC Bank   7.25% Onwards 
SBI Loan Against Property 8.45% Onwards 
Axis Bank  7.50% Onwards 
IDFC First Bank  7.50% Onwards 
ICICI Bank  8.50% Onwards 
Yes Bank  8.00% Onwards 
PNB Bank  9.00% Onwards 
Kotak Mahindra Bank  7.25% Onwards 

Other charges and processing fee

  • Processing fee: 15 to 3% on loan amount
  • Foreclosure charges and repayment charges: Nil
  • Preclosure charges: Nil
  • Late payment charges:  up to 24%
  • Cheque dishonour charges: Rs 200
  • Re- appraisal of loan after 6 months from sanction: up to 500 Rs + taxes
  • HDFC Bank Loan Against Property Eligibility

For getting the HDFC bank loan against property you should have your own India property it can be residential and commercial property.

 Also Read:-Tata Capital Personal Loan

Minimum and maximum age

25 to 65 years

Employment type

Salaried or Self-employed

Net monthly income

Rs.25,000 minimum monthly income

HDFC Loan Against Property Documents Required

If, your eligibility meets for HDFC loan against property then you have to submit some required documents to continue the further process:

For Salaried individuals

1.Proof of Residence: (Any one of the following) documents you can attach as a proof of residence

  • Ration Card
  • Telephone Bill
  • Electricity Bill
  • Voter ID Card
  • Aadhar card

2.Proof of Identity: (Any one of the following) documents will be accepted as an identity proof-

  • Voter's Card
  • Driver's License
  • Aadhar Card
  • Pan Card
  • Voter ID Card
3.Legal documents of the property which you want to use as a security 
4.Last 6 monthsbank statement passbook
5.Salary slip of last 6 months
6. Income proof documents

For Self-employed individuals

1.Proof of Residence: (Any one of the following documents) you can attach as a proof of residence

  • Ration Card
  • Telephone Bill
  • Electricity Bill
  • Voter's ID Card
  • Aadhar card

2.Proof of Identity: (Any one of the following) documents will be accepted as an identity proof

  • Voter's Card
  • Driver's License
  • Aadhar card
  • Pan card
  • Voter id card
3.Legal documents of the property which you want to use as a security
4.Certified financial statement of last 3 year
5.Latest Bank Statement or Passbook
6.Audited financial sheet, certificate ofpractice, Sales Tax Certificate, etc.

How to Apply for HDFC Loan Against Property Online?

Borrower can get HDFC loan against property online or offline they just need to follow up these simple steps to get a loan:-

  • Open the “tab” and visited the official website of HDFC or if you want to apply offline you need to visited the neatest branch of HDFC.
  • Click on “Loan Against Property” and fill-up the form and carefully read all the terms and conditions.
  • After completing this process, you will get an OTP on your registered mobile number.
  • For processing further, you need to fil your loan amount and attach your documents.
  • If your all information and documents is correct then HDFC bank officer will call you or you received the conformation letter through email.
  • After sone time your loan amount will be credited in your account.

 Also Read:-PSB Loan in 59 Minutes

HDFC Loan Against Property FAQ

Which Bank is best for Loan Against Property?

Almost all banks provide this credit facility for the public. If, you want to get a loan against a property at an attractive rate of interest with flexible repayment then go with HDFC Bank it is one of the main banks in India, allows you to collateral your property.

How to get HDFC Bank Loan Against Property without income proof?

You don’t have income proof and want to get a HDFC bank loan against a property without income proof then maintain a high cibil around 750 and should have a good credit history or you can apply with a co- applicant or guarantor.

How to use HDFC loan against property Emi Calculator?

HDFC bank provides the facility of EMI calculator you just need to visit the website of HDFC bank where you will find the option of EMI calculator simply “click” and fill the Loan amount, rate of interest, loan tenure waits a few minutes, and get your EMI amount instantly.

What is the loan I can get from HDFC Bank loan against property?

You can get up to 60% value of the property as the loan amount.

Why should I consider HDFC Bank for loan against property?

HDFC banks provides some facility on loan such as high loan amount, low-interest rate, high tenure, best customer services, less documentation and so on.

HDFC Loan Against Property Customer Care Number

For the queries and complaints regarding the loan, the bank has offered 24/7 customer service. Customers can contact with HDFC bank loan against property Loan Customer Care through following ways:

1.Toll-free Number: 1800 258 3838 (open from 8 a.m. to 8 p.m. on all days).
2.You can directly visit HDFC Site & fill basic details to continue online chat.
3.You can contact the Bank customer care team by phone, email, orSMS send quick SMS to HDFCHOME to 5676712

Apply Now:-Project Loan