Loan Details

Interest Rate

11.10% onwards

Processing Fee

Up to 1.50%





Up to 15 years

  • Eligibility Factors
  • Documents Required
  • Loan Verification Process
  • Rate of Interest


HDFC Loan Against Property Details

Age: 18 to 65 years

Credit score: 650 or above

Employment Type: Salaried or Self-employed

Income: Monthly INR 25000 for self-employed and salaried.

Work Experience: 5 years and 1 year for business existence.

All the applicants are required to submit the below-listed documents with HDFC Bank -

l Filled up Citibank loan against property application form

l Recent Photographs

l ITR of previous 2 years

l Proof of Identity Proof

l Proof of Residency

l Proof of Signature Authenticity

Self-employed candidates are required to submit the documents listed below along with the ones mentioned above –

l Proof of business establishment

l Address proof of Business

l Income Tax Returns

l Proof of Business continuity of the past 3 years

l Copy of bank statement of the past 180 days

l Proof of earnings of the last 6 months

Salaried applicants are required to submit a copy of the following documents besides along with the ones mentioned above -

l Last 6 months of bank statement showing your income or salary details

l Copy of salary slip of the past 180 days

l Copy of all relevant documents showing ownership of property that is to be mortgaged

l Previous 2 years Form 16

l Employer's ID

l Proof of work experience

Identity Proof (for all borrowers)

l Driving License

l Aadhar Card

l Valid Passport

l PAN Card

l Voter ID

Proof of Residential Address (for all borrowers)

l Utility Bill

l Receipt of Property Tax

l Approved Building Plan

l Valid Passport

l Voter ID

l Registered Rent Agreement

Birth Date Proof (for all borrowers)

l Driving License

l Valid Passport

l Voter ID

l Aadhar Card

Property documents (for all borrowers)

l Registered Sale Deed

l Lease Deed

l Conveyance

l Past Sale Deeds

l Receipt of House Tax Return

l Building Plan approved by Municipal Corporation

The loan verification process involves:

1. Complete the application form and upload it on the official website of HDFC Bank. Submit copies of all the documents needed for the application verification. It can be done by signing up on

2. Our representative will get back to you within 1 day and schedule visits for collecting the document copies.

3. The officials will verify the documents. They may visit the property if necessary.

4. Lastly, your application is approved, then the loan amount will be forwarded to your account, and you will get a copy containing all the details of loan interest and others.

The rate of interest is different in different cases. It depends on the amount of the loan. However, the interest rate for HDFC LTD starts from 8.35 % and goes up to a maximum of 11.05%.