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1. What are that properties that can be considered as collateral for HDFC Bank loan against property?

Self-occupied residential properties and commercial properties such as shops and offices are considered collateral.

2. What is the maximum loan amount I can get from HDFC Bank loan against property?

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

3. Can I pre-close my loan against property account?

Yes, you can. You need to submit a written request to the nearest HDFC Bank branch to close your account. You may have to pay a small fee as penalty while prepaying. However, it differs based on the loan amount and interest type.

4. Can I make part-prepayment on HDFC Bank loan against property?

Yes, you can make part-prepayment and no charges are levied on floating interest type.

5. How can apply for HDFC Bank loan against property?

You can either apply online or visit the nearby HDFC Bank branch or through CreditMantri official website.

6. Will I be charged a penalty for not paying my EMI on HDFC Bank loan against property?

Yes, you will be charged 2% of the EMI amount as penalty.

7. Can I get overdraft facility against my property?

Yes, you can avail overdraft facility against your property as a term loan.

8. What is the interest rate range to avail HDFC Bank loan against property?

The interest rate ranges between 9.50% to 11.60%.

9. What is the processing fee on HDFC Bank loan against property?

The processing fee is up to 1.50% of the loan amount or INR 4500 whichever is higher with applicable taxes.

10. Can I top up the HDFC Bank loan against property?

Yes, you can top up loans under adjustable rate which is linked to HDFC Bank’s retail prime lending rate.

Here are HDFC Loans Against Property processing Fee, late fees, and other notable dues and rates for your knowledge to avoid an increase in incurred costs:

*The interest rate depends on loan amount availed by the customer as well as the type of loan scheme and several other factors based on the terms and conditions of the lender.

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HDFC Home Loans interest rates start at 8.60% p.a.There are a number of home loan offers provide by the institution which can be listed as follows:

All loans are at the sole discretion of HDFC Home Loans. Terms and conditions apply.

Compare: Current Home Loan Interest Rates

For detailed information on fees and charges such as regulatory/statutory charges, document charges, and specific fees applicable on home loans to salaried, self-employed non-professional, and self-employed professionals, check out Home Loan Processing Fees and Charges.

This easy-to-use online calculator lets you calculate your EMI in no time. All you need to do is enter the relevant details related to your loan, including the loan amount, interest rate, loan tenure, and processing fee. Hit the button “calculate” to check your EMI amount. This will be followed by an amortisation table giving you a comprehensive breakdown of your payment schedule.

Note: Interest rate considered as 8.60% p.a.

It’s always advised to calculate your EMI (equated monthly instalment) beforehand so that you can manage your finances properly after you take a loan. In order to do so, you can use the home loan EMI calculator.

The eligibility of a customer for the HDFC Home Loans is primarily ascertained on the basis of their income and loan repayment capacity. HDFC Home Loans takes a number of other factors under consideration as well such as the ages of the applicant, Credit Score, credit history, etc. The basic eligibility criteria can be summed up as follows:

Learn Further: Check HDFC Home Loan Eligibility

HDFC Home Loans offers a plethora of home loan plans for salaried and self-employed individuals. Given below are the list of all the schemes which can be availed by the customers

The documents required for the HDFC Home Loans can be summed up as follows:

Further Reading: Home Loan Documents Required

You can apply for a home loan through HDFC Home Loans by using any one of the following 3 methods:

You can get in touch with HDFC Home Loans Customer Care for any questions, queries, and doubts.