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Loan Against Property
HDFC Bank is one of India’s most reliable private banks, known for disciplined lending, transparent processes, and long-term customer relationships across secured loans. Head Office: Mumbai, Maharashtra.
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🔍 What is HDFC Bank Loan Against Property?
HDFC Bank LAP lets you mortgage your owned property or land to get a large loan for business growth, education, medical needs, debt consolidation, or future planning — while you continue using the property.
🏘️ Types of HDFC Bank Loan Against Property
✅ Property Types Accepted
🏠 Residential LAP – Self-occupied or rented homes
🏢 Commercial LAP – Shops, offices, commercial buildings
🌱 Site / Land Mortgage – Approved non-agricultural plots
🏬 LRD (Lease Rental Discounting) – Loans against rented commercial property
🔄 Balance Transfer LAP – Shift existing LAP to HDFC Bank for savings
🟢 PoketCare Pro Tip:
LRD loans work best for properties with stable, registered rental income.
📊 HDFC Bank LAP – Features & Loan Details
| Loan Type | Interest Rate (Floating)* | Max Tenure | LTV | Loan Amount |
|---|---|---|---|---|
| Residential LAP | Home-loan linked rates | Up to 15 years | Up to 65% | ₹10 lakh – ₹10 crore+ |
| Commercial LAP | Risk-based pricing | Up to 15 years | Up to 60% | ₹15 lakh – ₹10 crore+ |
| Site / Land Mortgage | Slightly higher than home loans | Up to 10–15 years | Up to 50% | Case-specific |
| LRD | Rental-yield based | Up to 12–15 years | Up to 70% | Based on lease value |
| Balance Transfer | Reduced rates | Remaining tenure | As per policy | Existing loan amount |
*Rates depend on borrower profile, income stability, and property quality.
🟢 PoketCare Pro Tip:
Higher LTV is possible when property is in a prime city location with clear titles.
🛡️ Loan Protection Insurance – Smart Safety Move
Long-term LAPs need financial protection.
🔐 Recommended Insurance Plans
- HDFC Life Loan Suraksha
- HDFC Life Click 2 Protect Life
✔ Covers outstanding loan in case of death
✔ Protects co-applicants & family
✔ Strengthens loan approval profile
🟢 PoketCare Pro Tip:
Single-premium insurance avoids recurring costs during long tenure.
👨👩👧 Ideal Borrowers & Eligibility Criteria
✅ Who Can Apply?
- Salaried professionals
- Self-employed individuals
- Business owners & traders
- Professionals (CA, Doctor, Architect)
- Proprietors & partnership firms
👥 Co-Applicant Allowed
- Spouse
- Parents
- Earning children
💰 Other Incomes Considered for Higher Eligibility
- Rental income (same or different property)
- Spouse income
- Co-applicant income
- Business turnover
- Professional practice income
📌 Basic Eligibility
- Age: 21–65 years
- CIBIL Score: 700+ preferred
- Property: Legally clear & approved
- Income Stability: Minimum 2–3 years
🟢 PoketCare Pro Tip:
Adding rental income can increase LAP eligibility by 30–40%.
📑 Documents Checklist – Simple & Transparent
👔 Salaried Applicants
- Aadhaar & PAN
- Latest salary slips (3–6 months)
- Bank statement (6 months)
- Form 16 / ITR
- Employment proof
🧑💼 Self-Employed / Business Owners
- Aadhaar & PAN
- ITR (last 2–3 years)
- Balance Sheet & P&L
- Business registration proof
- Current account statements
🏠 Property Documents
- Sale / Conveyance Deed
- Approved building or site plan
- Occupancy / Completion Certificate
- Property tax receipts
- Chain documents
🟢 PoketCare Pro Tip:
Digitised property documents speed up legal verification.
💸 HDFC Bank LAP – Charges & Fees (Pre & Post Disbursement)
| Charge Type | Details |
|---|---|
| Processing Fee | Up to 1% of loan amount |
| Legal & Technical Fees | As per property |
| MOD / Stamp Duty | State-specific |
| Prepayment Charges | Usually Nil (floating rate) |
| Late Payment Penalty | As per bank policy |
| Statement / Copy Charges | Nominal |
🟢 PoketCare Pro Tip: Floating-rate LAPs are ideal for borrowers planning early closures.
🌟 Benefits of HDFC Bank Loan Against Property
- 🏦 Trusted Private Bank
- 💸 Lower Interest Than Personal Loans
- 🕒 Long Repayment Tenure
- 🏠 Multiple Property Types Accepted
- 🔄 Balance Transfer Savings
- 📈 High Loan Eligibility
🟢 PoketCare Pro Tip: LAP is one of the cheapest funding options for business expansion in India.
🚀 Why Apply Through PoketCare?
- 🔍 Compare best LAP options instantly
- 🤖 AI-based eligibility matching
- 🧾 End-to-end support till disbursement
- ⚡ Faster approvals & follow-ups
- 💬 Human + digital assistance
🔗 Useful Full Links for Borrowers
- HDFC Bank Home Loan Page:
- https://www.hdfcbank.com/personal/borrow/popular-loans/home-loan
- EMI Calculator:
- https://www.hdfcbank.com/personal/resources/calculators
- Check CIBIL Score:
- https://www.cibil.com
- Income Tax Portal:
- https://www.incometax.gov.in
🧠 Conclusion – Is HDFC Bank LAP Right for You?
If you own property and want large funds at affordable interest rates without selling assets, HDFC Bank Loan Against Property is a powerful solution — and PoketCare makes it smarter, faster, and more transparent.
👉 Apply now via PoketCare and unlock the true financial strength of your property.