HDFC Bank Loan Against Property

Updated on January 29, 2026

Author: MybankingTips Team

HDFC Bank provides Loan Against Property starting at 9.50% per annum for loan amounts up to 65% of the property value and tenures of up to 15 years. This loan is available to both salaried and self-employed individuals for personal or business use.

HDFC Bank Loan Against Property Highlights
Interest Rate	9.50% – 11.00% p.a. (floating) 11.80%-13.30% p.a. (fixed)
Processing Fees	Up to 1% of loan amount (minimum Rs 75,000)
Loan Amount	Up to 65% of property value
Tenure	Up to 15 years

HDFC Bank Loan Against Property Interest Rates

Fixed Interest Rate

Product	Interest Rates (p.a.)
Minimum Interest Rate	11.80% p.a.
Maximum Interest Rate	13.30% p.a.

Floating Interest Rate

Product	Interest Rates (p.a.)
Minimum Interest Rate	9.50% p.a.
Maximum Interest Rate	11.00% p.a.

HDFC Bank has not disclosed differential interest rates based on factors such as credit score, occupation profile, etc., for its loan against property applications. However, it's common for many lenders to take these factors into consideration when determining interest rates for such loans.

Also read: Best Loan Against Property Interest Rate

Compare Interest Rates on Loan Against Property for Top Banks & HFCs

Name of the Lender	Interest Rate (% p.a.)
State Bank of India	10.00 - 11.30	Apply Now
Axis Bank	10.50 - 10.95	Apply Now
Bank of Baroda	10.85 - 16.50	Apply Now
ICICI Bank	10.85 - 12.50	Apply Now
Standard Chartered Bank	Starts from 9.25%	Apply Now
HSBC Bank	9.75 - 14.00	Apply Now
Union Bank of India	10.45% - 13.10% p.a.	Apply Now
PNB Housing Finance	9.25 - 15.00	Apply Now
IDFC First Bank	9.00 - 16.50	Apply Now
HDFC Bank Limited	9.50 - 11.00	Apply Now
L&T Housing Finance	9.50 onwards	Apply Now
LIC Housing Finance	9.50 - 11.55	Apply Now
Godrej Housing Finance	9.75 onwards	Apply Now
Indiabulls Finance	9.75% p.a. onwards	Apply Now
Tata Capital	10.10 onwards	Apply Now
Bajaj Housing Finance	9.75 - 18.00	Apply Now
Punjab National Bank	10.40 - 12.75	Apply Now

HDFC Bank Loan Against Property Fees and Charges

Particulars	Charges
Processing Charges	Up to 1% of loan amount (minimum Rs 75,000)
Loan re-appraisal after 6 months of sanction	Up to Rs 2000
Documents photo copy	Up to Rs 500
PDC swap	Up to Rs 500
Dishonour charges	Up to Rs 300
Documents list	Up to Rs 500
Disbursement cheque cancellation charge	Up to RS 500
Prepayment charges	No prepayment penalty applies if the prepaid amount does not exceed 25% of the principal amount. A prepayment penalty of 2.5% is applicable if the prepaid amount exceeds 25% of the principal amount.

Also read: Best Loan Against Property EMI Calculator

Eligibility Criteria for HDFC Bank Loan Against Property

HDFC Bank considers the following eligibility criteria for its Loan Against Property applicants:

Age: Between 21 and 65 years.
Nationality: Indian residents.
Profession: Salaried individuals, Self-Employed Professionals (such as doctors, lawyers, CAs, architects, consultants, engineers, CS, etc.), and Self-Employed Non-Professionals (including commission agents, traders, contractors, etc.).

Additionally, HDFC Bank may evaluate applicants based on factors such as credit score, monthly income, work experience, and other relevant criteria to determine eligibility for a Loan Against Property.

Also read: Best Loan Against Property Eligibility

Documents Required for HDFC Bank Loan Against Property

Below is the list of documents required for availing an HDFC Bank Loan Against Property:

For Salaried individuals:

ID/Residence Proof: PAN card, Aadhaar card, passport, voter ID, driving license
Income Proof: Salary slips for the last 3 months, salary account statement for the last 6 months, Form 16/Income Tax Return (ITR)
Property Documents: Approved plan, proof of no encumbrance, title deeds including previous property documents
Other Documents: Employment contract/appointment letter, bank account statement for the last 6 months showing loan repayment history, processing fee cheque, proof of own contribution, documents and declaration stating the end use of the loan.

For Self-Employed

Processing fee cheque
Own contribution proof
Passport size photographs
Business profile
Form 26AS
Memorandum and Article of Association
ID/Residence Proof: Aadhaar card, voter ID, driving license, PAN card
Income Proof
Income Tax Returns (ITR) for the last 3 years along with income computation
Balance sheet and profit and loss account statements for the last 3 years with schedules/annexures
Savings account statement and current account statement of the business entity for the past 6 months
Property Documents: Proof of no encumbrance, approved plan, title deeds including previous property documents
List of shareholders and directors with individual shareholding certified by CA/CS
If the business entity is a partnership firm, partnership deed is required
Details of current ongoing loans of the business entity and individuals
Declaration and documents mentioning the end use of the loan

Also Read : Best Loan Against Property Documents Required

Frequently Asked Questions

You can apply for HDFC Bank Loan Against Property either directly through the official website of HDFC Bank, by visiting HDFC Bank branches, or by using third-party financial platforms such as Mybankingtips.com to facilitate the application process for HDFC Bank LAP.

The floating interest rates for HDFC Bank's Loan Against Property range from 9.50% to 11% per annum. The fixed interest rates for HDFC Bank's Loan Against Property range from 11.80% to 13.30% per annum.

HDFC Bank offers Loan Against Property with flexible tenures of up to 15 years. Additionally, you can avail of Loan Against Rent Receivables from HDFC Bank for tenures of up to 9 years.

HDFC Bank offers Loan Against Property with a loan amount of up to 65% of the property value. The exact loan amount provided to applicants may vary depending on factors such as the applicant's income, creditworthiness, property value, and other relevant criteria determined by the bank during the loan assessment process.