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Loan Against Property -HDFC Bank

HDFC BANK -  Loan Against Property 

HDFC Bank Retail Asset Loans provides a Secured Loan in the form of "Loan against property" or commonly called LAP. It is a Secured Loan against the mortgage of the property where the borrower gives a guarantee by using his property as security. 

 Use Loan Against Property EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure. Apply for Mortgage Loans in Delhi-NCR online with LoanMoney to avail the lowest interest rates and quick approval.

  • Purpose of Loan can be Personal or business. 
  • Property offered - Industrial | Commercial | Residential property | Plots as collateral.
  • Eligibility - Get up to 65% -75% of your property’s Market value as Loan. 
  • Term Loan or Overdraft Facility can be availed

Benefits : 

  • It is easier way of Business Funding involving less documentation and eligibility norms and usage is also customised.
  • Repayment Tenure can be 3 years to 18 years
  • Eligibility norms are open on Business as well as Personal Income Capacity
  • Funds can be utilised for any Purpose except Speculation Purpose.
  Salaried Self Employed Professional
Age 23 - 65 25 - 65 23 - 70
Loan Amount 10 -5000 Lacs 10 -5000 Lacs 10 -2500 Lacs
Tenure  5 - 15 Yrs 5 - 15 Yrs 5 - 15 Yrs
Rate of Interest / APR [Annual Percentage Rate] 7.50 % To 8.50% 7.50 % To 8.50% 7.50 % To 8.50%
Features Term Loan | All Properties | Maximum Eligibility Term Loan/Overdraft | Easy Documentation | Fastest Approval assured 4 Times of Gross Receipts taken as Income | Overdraft Facility
Processing Fees 0.50 % To 1% 0.50 % To 1% 0.50 % To 1%
Special Drop Line Overdraft Facility to Save Interest on un utilised amount. Up to 120% of Net Income considered. Maximum Eligibility | Easy Documentation | Fastest Approval assured
Documentation KYC [ Identity Proof| Address Proof] , Financials - 2 Years Audited , Complete Property Documents. KYC [ Identity Proof| Address Proof] , Financials - 2 Years Audited , Complete Property Documents. KYC [ Identity Proof| Address Proof] , Financials - 2 Years Audited , Complete Property Documents.

- Calculated on the basis of Net Take Home salary. Max 65% is eligible and considered for Repayment capacity.

Multi Method:-

  • PAT [Profit After Tax] as per Audited Balance sheet
  • Average Banking for last 12 months
  • Rental Income Discounting
  • Past Repayment Track
  • PAT [Profit After Tax] as per Audited Balance sheet
  • Gross Receipts Multiplier
  • Average Banking for last 12 months
  • Rental Income Discounting
  • Past Repayment Track

1- Owned Regiser Property 

2- Must have Income Proof

3- Age Limit >25 year 

4- Job Minimum  6 Month old and Business Minimum 2 year Old

Particulars Salaried Self Employed Professional
Age(Min-Max) 21 To 65 Years 21 To 70 Years 21 To 70 Years
Minimum Income Min. Rs. 30,000/ Per Month Min. Rs. 2 Lakh Min. Rs. 6 Lakh Receipt (ANM)
Co-applicant If Required If Required If Required
Loan Tenure 5 To 15 Years 5 To 15 Years 5 To 15 Years
Maximum Loan Amount Max. 50 Crore Max. 50 Crore Max. 50 Crore
Employment/Business Continuity Min. 3 Years Min. 2 Years Min. 1 Years
CIBIL Score Min. 600 Min. 600 Min. 600

Documents Required for Applying for HDFC Loan Against Property by All Applicants and Co-Applicants

  • Loan application form.
  • 3 Recently Passport size photograph.
  • Identify proof- Passport, PAN Card, Driving License, Voters ID Card
  • Residence Proof- Aadhar Card, Utility Bill, Ration Card, Employment Letter
  • Bank Account Statement/Passbook for the last 12 months.
  • Signature verification Proof of Applicant & Co-Applicant
  • Loan account statements / Sanction letter of running loans

Documents Required for Salaried Individuals

  • 3 Months Salary Slip for salaried employees or Salary Certificate
  • Last 2 years Form 16 or IT Return
  • Bank Statement for the last 6 months of the Salary Account
  • Appointment / Confirmation Letter if current job tenure is less than 1 year

Documents Required for Self Employed Individuals

  • VAT / Service Tax Return of Current Financial Year
  • Audited financial statements for the last 2 years.
  • Business ITR with Tax Audit and Computation of Income
  • Individual ITR with Computations
  • Bank statements of Applicant and Co-applicant for last 6 months (updated)

List of Property Documents

  • Allotment letters.
  • Photocopies of title deeds.
  • Encumbrance certificate.
  • Agreement to sell.Booking Receipts
Fee Amount to be Paid
Rate of Interest 7.50 % To 8.50%
Loan Processing Charges 0.50 % To 1%
Cheque Bounce Charges As per Banks Nome's & Agreements
Cheque/ Instrument Swap charges As per Banks Nome's & Agreements
Prepayment/ Foreclosure Charges As per Banks Nome's & Agreements
Default Interest Rate As per Banks Nome's & Agreements
Duplicate Statement Issuance Charges As per Banks Nome's & Agreements
Duplicate Amortization Schedule Charges As per Banks Nome's & Agreements
Duplicate Interest Certificate As per Banks Nome's & Agreements
S(Provisional/ Actual) issuance Charges As per Banks Nome's & Agreements

HDFC Bank Loan Against Property Features

  • Who:-  Self Employed - Businessman | Professional - Doctors, Engineers, Chartered Accountants| Salaried 
  • Eligibility can be based on Multi-Product schemes of Bank i.e ITR Based | Banking Based | Repayment Track Records | Rental Discounting | Turnover Based | Professional Receipt Based
  • Fulfil Your Every Need: Most 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.
  • Amount of Loan: Loan against property may get loan up to 50 Cr. Get a loan worth up to 65%-75% of the market value of the property. Our maximum loan amounts also come with maximum repayment tenures at attractive interest rates.
  • Tenure and Mortgage loan tenure is for Max 15 Yrs 
  • Rate of interest: Secured loan against property interest rate ranges from 9.40% to 10.50% whereas Unsecured Business Loans rates are 16-20%.

Advantages of HDFC Bank Loan Against Property

  • Expand your business
  • Renovate your home.
  • Buy a property on which loan is not available.
  • Refinance or Balance Transfer (B.T) on a lower rate of interest.
  • Plan a dream wedding.
  • Fund your child's education.
  • Holidays and much more.

Why HDFC Bank?

HDFC Bank is Largest Private Bank in India. Incorporated in 1994. Having the largest Customer Base and Maximum CASA account, cost of borrowing by HDFC is mimimum, there it is having internal funds to lend to customers.

  • Lowest Rate of Interest therefore Low EMI's.
  • Speedy Loan Approvals & Days Assured.
  • Multip Products in Loan against Property
  • Maximum Property Value considerd As Loans therefore Highest Loan Amounts.
  • Transparency and safety is assured.

Advantages of Customers

  • Easy Repayment Options: With attractive interest rates, you can easily repay your loan in low EMIs, or choose our Dropline Overdraft Facility.
  • Transparent Processing: All our charges are communicated upfront, at the time of the processing of the loan. No hidden charges or fees.
  • Quick and Efficient Servicing: With our doorstep (Document Pickup) service, your HDFC Bank Loan Against Property in Delhi will be processed quickly and easily.

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.

  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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