HDFC Bank brings to you Loan Against Property (LAP).

You can now take a loan against your residential or

commercial property, to expand your business, plan a dream wedding, fund your child's education and much more.

You can depend on us to meet all your business requirements even to purchase a new shop or office for your
business. Loan to purchase Commercial Property (LCP) is a specially designed product to help you expand your
business without reducing the capital from your business.

Features & Benefits

Loans to expand your business or to meet any personal need

Residential & Commercial properties accepted

Maximum Loan to value*

Flexible product offerings - EMI based loan / Overdraft facility available.

High tenure loans for ease of repayment.

Attractive interest rates.

Specially designed products for Self Employed.

 HDFC Loan Against Property
If you are in need of a large amount of money and also have a property in your name,
then availing that money as loan is not a big deal. Although banks offer various kinds
of personal loan such as education loan, car loan, marriage loan and so on, it always
sets certain limitations. That is why the HDFC bank has come out with LAP also called
the HDFC loan against property. This LAP or the HDFC loan against property is given
on your present property which is owned by you without the need of selling or renting
the same. Thus, you can now take loan against a residential or a commercial property
for a number of purposes.

Purpose of availing HDFC loan against property

Loans are availed for a number of purposes and it varies from one person to the other.
Some avail loans for expanding their businesses, some avail the same to plan out a
dream wedding and some use it for their child's education purposes. However, the
reasons can be never ending. Let us have a look at a few of them one by one:

Loan against property for expanding business: This is the most commonly availed
loan. There are a number of small scale business that dream of becoming big. But
without proper finances and financial assistance, this is not possible. That is why, the
HDFC loan against property is given in order to expand business and aim for a better
future.

Loan against property for funding your child's education: HDFC bank gives loans for
supporting your child's education throughout all the stages. Once your child completes
his/her education you can easily repay the whole amount.

Loan against property for renovation purposes: We often dream of a lavish house with
all the necessary equipments in it. But, seldom this dream is turned true. But with the
help of HDFC LAP you will able to fund your house and renovate it the way you want
to.

HDFC bank also gives loan against gold, loan against securities and loan against
land.

Loan Feature

Loan Amount 4% of the outstanding principal

Interest Rate N.A.

Tenure Upto 50% of value of the property

Pre Payment Charges 4% of the outstanding principal

Loan Processing Charges:

Service Charges
2% of the loan amount
Pre-payment charges:
4% of the outstanding principal (pre-payment is allowed only after 6 months)
Charges for late payment of EMI:
2 % per month on overdue EMI amount
Charges for changing from fixed to floating rate of interest:
0.25% of the loan amount

Eligibility Criteria : Loan Against Property

Salaried Self

Age Age criteria not provided Age criteria not provided

Income Income criteria not provided Income criteria not provided

Job Experience Job experience not provided Job experience not provided

Residence Proof Residence proof not provided Residence proof not provided

Docs Required : Loan Against Property

Salaried Self

PAN card/voters ID/ PAN card/voters ID/

ID Proof
passport/driving license passport/driving license

Recent telephone bill/electricity bill/property Recent telephone bill/electricity bill/property

Address Proof
tax receipt/passport/voters ID tax receipt/passport/voters ID

DOB Proof 10th class certificate 10th class certificate

Financial Docs
• Statements (latest 3 months bank • Bank Statements(latest 6 months
statement / 6 months bank bank statement /passbook)
passbook) • Latest ITR along with computation of
 income, B/S & P&L a/c for the last 2
• Latest salary slip or current dated
yrs. certified by a CA
salary certificate with latest Form 16
• Qualification proof of the highest
professional degree

HDFC Personal Loan

Whatever the occasion, the range of HDFC Personal Loans can help. HDFC bank offers
1. Borrow up to Rs 15,00,000 for any purpose depending on your requirements.
2. Flexible Repayment options, ranging from 12 to 60 months.
3. Repay with easy EMIs.
4. One of the lowest Personal Loan Rates.
5. Hassle free Personal Loan - No guarantor/security/collateral required.
6. Convenience of service at your doorstep.
7. Speedy loan approval.
8. Personal Accident Cover Insurance.
9. Credit Shield.

Top of Form

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 Eligibility Criteria for HDFC Bank Personal Loan
Age of Applicant Min-21 years ; Max-60 years.
No. of years in employment 2 years & above
Current Experience 1 year & above
Rs. 15,000/- & above (cat-A companies) Rs. 20,000/-
Net Monthly Income
& above (non-listed companies)

Loan Amount offered by HDFC Bank

Minimum Funding Rs. 50,000/-
Maximum Funding Rs. 15,00,000/-

Loan Tenure offered by HDFC Bank

Minimum Tenure 12 months
Maximum Tenure 60 months

Turn Around Time of HDFC Bank Personal Loan

Salary below Rs. 75,000 working days (48 hours).
Salary above Rs. 75,000 7 working days

Processing Fee of HDFC Bank Personal Loan

Salary account holder 2% of loan amount
Non–salary account holder 2.5% of loan amount

Prepayment Charges of HDFC Bank Personal Loan

4% of outstanding principal (Can be foreclosed after
Foreclosure Charges
6 months only)

Salary available for making EMI’s

Up to Rs. 25,000 p.m 35% of salary is considered
Bet Rs. 25,000 to Rs. 50,000 p.m. 40% of salary is considered
Above Rs. 50,000 p.m 45% - 50% of salary is considered

Documents Required for HDFC Bank Personal Loan

Passport/ driving
license/PAN card/
Photo credit card
(with embossed
Identity Proof Signature and last
two months
statement)/
banker’s sign
verification
Age Proof PAN Card/
Passport/ Driving
Licence/ School
leaving certificate/
Voter’s card/
 BirthCertificate/
LIC policy (only for
age Proof).
Passport/
Telephone bill
(BSNL/MTNL)/
Electricity bill/
Title deed of
property/Rental
Address Proof agreement/
Driving license/
Election ID card/
Photo-credit card
(with last two
month
statements)
Latest salary
slip/current dated
Income Proof
salary Certificate
with latest form 16
Form 16/relieving
letter/appointment
Job Continuity Proof
Letter (for last two
months)
Bank statements
of latest 2
Banking History
months/ 3 months
bank passbook

Borrow up to Rs 15,00,000 for any purpose, depending on your requirements.

Repay with easy EMIs.

Avail Attractive Interest Rates

Hassle-free Loans - No Guarantor / Security / Collateral required

Speedy Loan Approval.

Flexible repayment options, ranging from 12 to 48 months.

Convenience of service at your doorstep.

Credit Shield.

Personal Accident Cover.

Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private
limited companies, Government Sector employees including public sector undertakings and
central, state and local bodies:

Eligibility Criteria
 Minimum age of Applicant: 21 years
 Maximum age of Applicant at loan maturity: 60 years
 Minimum employment: Minimum 2 years in employment and minimum 1 year in the
current organization
 Minimum Net Monthly Income: Rs. 10,000 per month (Rs. 15,000 in Mumbai, Delhi,
Bangalore, Chennai and Hyderabad & Rs. 12,000 in Calcutta, Ahmedabad and
Cochin)
Documents required:
 Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
 Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence
/Est./Sales Tax certificate)
 Bank Statements (latest 3 months bank statement / 6 months bank passbook)
 Latest salary slip or current dated salary certificate with latest Form 16

Self employed (Professionals) include self - employed Doctors, Chartered Accountants,

Engineers, MBA Consultants, Architects, Company Secretaries.

Eligibility Criteria
 Minimum age of Applicant: 25 years
 Maximum age of Applicant at loan maturity: 65 years
 Years in business: 4 to 7 years depending on profession
 Minimum Annual Income:
Rs. 100000 p.a.
Documents required:
 Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence).
 Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade
licence /Est./Sales Tax certificate).
 Bank Statements(latest 6 months bank statement /passbook)
 Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs.
certified by a CA
 Qualification proof of the highest professional degree

Self Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors
in the Business of Manufacturing, Trading or Services.

Eligibility Criteria

 Minimum age of Applicant: 21 years

 Maximum age of Applicant at loan maturity: 65 years
 Years in business: 5 yrs continuous business experience
 Minimum Annual Income: Rs. 1,00,000 p.a.
 Available in select cities
Documents required:
  Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
 Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade
licence /Est./Sales Tax certificate)
 Bank Statements(latest 6 months bank statement /passbook)
 Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs.
certified by a CA
 Proof of continuation (Trade licence /Establishment /Sales Tax certificate)
 Other Mandatory Documents(Sole Prop. Decl. Or Cert. Copy of Partnership
Deed,Cert. Copy of MOA, AOA & Board resolution.)

Self Employed (Pvt Cos and Partnership Firms) include Private Companies and
Partnership firms in the Business of Manufacturing, Trading or Services

Eligibility Criteria

 Years in business: Minimum of 3 years in current business and 5 years total

business experience
 Business must be profit making for the last 2 years
 Minimum Annual Income: Rs 100000 p.a.
 Available in select cities
Documents required:
 Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade
licence /Est./Sales Tax certificate)
 Bank Statements(latest 6 months bank statement /passbook)
 Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs.
certified by a CA
 Proof of continuation (Trade licence /Establishment /Sales Tax certificate)
 Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed,
Certified true copy of Memorandum & Articles of Association (certified by Director) &
Board resolution (Original).)

Credit Shield

In case of Death or Total Permanent Disability of the loanee, the loanee/nominee

can avail of the Payment Protection Insurance (Credit Shield) which insures the
Principle Outstanding on the Loan up to a maximum of the loan amount.

Principle Outstanding is defined as the amount of loan outstanding (not including

any arrears in payment or interest thereon) at the Date of Loss, having accounted
for payments made and interest accruing as determined in the Policy.

Hence, the amount covered does not include any Principal added because of non -
payment of EMI and also will not include interest/ accrued charges.*
 Personal Accident Cover

In order to ensure that your family is taken care of, we also offer a Personal
Accident cover of Rs.2,00,000 at a nominal premium.*

* Premium will be charged for both these products which will be deducted from the
loan amount at the time of disbursal. A transaction fee of Rs.350 will also be
deducted at the time of disbursal. Please note that service tax @ 12.36% will also
be charged.

If you are an HDFC Bank account holder, we have special rates for you.

If you are an existing Auto Loan customer with a clear repayment of 12 months or
more from any of our approved financiers or us, you can get a hassle free Personal
Loan (without income documentation).

If you are an existing HDFC Bank Personal Loan customer with a clear repayment of
12 months or more, we can Top-Up your personal loan.

C Bank, we understand that you need more than just finance for your dream car. Thus we offer you a complete package of timely
e rates & competent guidance along with 100% finance on select models. So come to HDFC Bank Auto Loans and put your life
track.
Features & Benefit
 Features & Benefits
Covers the widest range of cars and multi-utility vehicles in India.

Upto 100% finance on your favourite car.**

Flexible repayment options, ranging from 12 to 84 months.

Borrow up to 3 times your annual salary (for salaried professionals) and 6 times your annual income (for self employed professionals)*.

Speedy processing - within 48 hours.

Repay with easy EMIs.

Attractive Interest rates

Hassle-free documentation.

Customer Privileges
• If you are an HDFC Bank account holder, we have special rates for you.
• If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six months, you can get fast
approvals on your loans with minimal documentation.
• If you are an existing HDFC Bank Car Loan customer with a clear repayment of 12 months or more we can Top-Up your car loan to
the extent of the original loan value.
*This would also vary with higher loan value
**Offers on specific models .Terms and conditions apply.

Choose any car manufactured in India within a certain age*.

Borrow up to 80% of the value of the car.

Flexible repayment options, ranging from 12 to 60 months.

Borrow up to 3 times your annual salary (for salaried professionals) and 6 times your annual income (for self employed professionals)**.

Available for almost all car models at attractive interest rates.

Repay with easy EMIs.

Additional loan on existing loan - If you are a existing HDFC Bank Auto loan customer with a clear track record of 12 months or more, then
you can get an additional loan to the extent of your existing loan amount at attractive rate of interest.
Customer Privileges
• Special benefits for HDFC Bank account holders.
• If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six months, you can get fast
approvals on your loans with minimal documentation.

* Age of Car at loan maturity should not cross 10 years subject to maximum loan tenure of 60 months.
**This would also vary with higher loan value

Eligibility

Salaried Individuals
d glitter to your life. Unlock the value of your gold while you continue to own it.

's Gold Loan, you can get an instant loan against your gold jewellery and ornaments.

Benefits

o Rs.10,00,000 & upto 90% of value.

rity of your Gold Jewellery

Liquidity

ce only Interest and enjoy the Loan facility

Rates - Your savings can be Invested in several Investment Avenues

HDFC Bank customer, we have special rates for you !!!

Documentation

laried individual, professional or a businessman, we have loan designed to suit your requirement.

iteria
 of Applicant at loan application should not be more than 65 years

y should be owned by you or any of the family member.

Required

ty (Passport Copy/ Voters ID card/ Driving License).

(Ration card/ Tel, Electricity. Bill/ Rental Agr. / Passport copy/Trade license /Shop & Est License./Sales Tax certificate).

of (Passport Copy/Driving License/Banker's verification/cheque)

e photographs.

oan is granted only for personal purposes. Loan Amount can not be used for speculative activities or any purpose linked to capital market activities or for any anti social purposes.All credit is at the abs

es for Gold Loan

Description of Charges Gold Loan

Loan Processing Charges Upto 0.50% of loan amount

Valuation Fee Nil
No Due Certificate / No Objection Certificate (NOC) Nil
Duplicate no due certificate / NOC Not Applicable
Solvency Certificate Not Applicable
2% p.a. as penal interest over and above applicable rate
Charges for late payment of loan amount
of interest.
Charges for changing from fixed to floating rate of
Not Applicable
interest
Charges for changing from floating to fixed rate of
Not Applicable
interest
Stamp Duty & other statutory charges As per applicable laws of the state.
Credit assessment charges Nil
Non standard repayment charges Not Applicable
Outstation clearing charges Not Applicable
Cheque swapping charges Not Applicable
Loan cancellation / re-booking charges Not Applicable
Bounce Cheque Charges Not Applicable
Statement Charges (per statement) Not Applicable
Duplicate Repayment Schedule charges Not Applicable
Legal, Repossession & Incidental charges As incurred by the Bank.
Renewal Processing Fees Rs 500/-

All fees & charges mentioned in the Tarriffs, Charges or Fees Brochures will attract Service Tax @ 10% & Education Cess @ 3% of
the service tax amount. The same will appear as separate debits in the statements.

Please note that the loan is granted only for personal purposes. Loan Amount can not be used for speculative activities or any
purpose linked to capital market activities or for any anti social purposes.All credit is at the absolute discretion of HDFC Bank.