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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.
18-70 years
Salaried / Self Employed
Resident Indian
Upto 30 years
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.
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
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.
