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Mortgage Loans On Property
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Loan Against Property


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Key Features


Avail HDFC Bank's loan against property (LAP) for your personal or business needs at attractive interest rates. Both residential and commercial properties can be mortgaged for availing a loan against property. HDFC Bank provides a smooth & hassle-free loan against property to both salaried and self-employed individuals. HDFC Bank loan against property is a simple solution to your financial needs.

Get a loan worth up to 65% of the market value of the property. Our high loan amounts also come with longer repayment tenures, all at attractive interest rates.
Get up to 50% of the value of your commercial property as loan against rental receivables.Amount depends on net rentals, balance tenure of rental agreement and other factors
Both residential and commercial properties* are accepted as collateral, and the money from the HDFC Bank Loan Against Property can be used for a variety of personal or business needs. *Conditions Apply
With competitive interest rates, you can easily repay your loan in low EMIs, or choose our Dropline Overdraft Facility.
All our charges are communicated up front, at the time of the processing of the loan. No hidden charges or fees.
With our doorstep service, your HDFC Bank Loan Against Property will be processed quickly and easily.
Self-employed individuals can benefit from our customised loan options and specially designed programmes.
Remember, our HDFC Bank Loan Against Property is an excellent debt consolidation tool.
Application will be decisioned within 7 days from the date of its receipt and subject to submission of all the documents and details by the customer as may be required by the Bank and Application in cases which involve customer availability for completing a field investigation or fie search & valuation of a property ,will be decisioned within 25 days from the date of its receipt.

Loan Against Property Eligibility Details


Primary Applicant

  • Age

    18-70 years

  • Profession

    Salaried / Self Employed

  • Nationality

    Resident Indian

  • Tenure

    Upto 15 years

Co Applicants

  • Adding Co-Applicant helps in maximizing the loan amount.

  • Adding Women Co-Owner helps in getting better interest rate.

  • All co-applicants need not be co-owners. Generally co-applicants are close family members.

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Loan Against Property FAQs

Loan against property is a secured loan that financial institutions provide against fully constructed, freehold residential and commercial properties. A mortgage loan can be availed for Personal and Business Needs(other than for speculative purposes) like marriage, medical expenses and child's education etc. Existing Loan Against Property from other banks and financial institutions can also be transferred to HDFC Bank.

For Existing Customers, the principal outstanding on all existing loans and the Loan Against Property being availed should not cumulatively exceed 60% of the Market Value of the mortgaged property as assessed by HDFC Bank. For New Customers, loan against property being availed should not, generally, exceed 50% of the Market Value of the property, as assessed by HDFC Bank.

Loan Against Property(LAP) can be availed by both salaried and self employed individuals for personal and professional needs(other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.

You can avail a loan against property for a maximum term of 15 years or till your age of retirement ,whichever is lower.

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.

Yes ,Loan Against Property(LAP) can be availed against a fully constructed and freehold commercial properties .

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges

Click here for the Most Important Terms and Conditions pertaining to Loan Against Property


Key Features


Avail HDFC Bank's loan against property(LAP) for your personal or business needs. Both residential and commercial properties can be mortgaged for availing a loan against property. HDFC Bank provides a smooth & hassle-free LAP to both salaried and self-employed individuals. HDFC Bank’s loan against property is a simple solution to your financial needs.

Loan against fully constructed, freehold residential and commercial properties for: Business Needs; Marriage, medical expenses and other personal needs; transferring your outstanding loan availed from another Bank / Financial Institution
Easy and hassle free documentation
Simple repayments through monthly instalments
Integrated branch network for availing and servicing the loan anywhere in India
Longer tenure, smaller EMIs
Attractive interest rates
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Loan Against Property Eligibility Details


SELF-EMPLOYED PROFESSIONAL (SEP)

  • Doctor
  • Lawyer
  • Chartered Accountant
  • Architect
  • Consultant
  • Engineer
  • Company Secretary, etc.

SELF-EMPLOYED NON-PROFESSIONAL (SENP)

  • Trader
  • Commision Agent
  • Contractor etc.

Click here for the Most Important Terms and Conditions pertaining to Loan Against Property

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