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HDFC Land Purchase Loan


HDFC Land Purchase Loan has been designed by the bank to cater customers who want to buy plots or lands for home construction. Under the scheme, the bank offers upto 85 percent of cost of the land depending upon the repayment capability of the borrower.

The plot loan HDFCis provided for a maximum repayment period of 15 years subject to the retirement age of the customer. The bank would fund maximum 80% of the cost / value of the land. This may be restricted to 70% of the cost / value of the land, if the land is located outside the city limits. This is however subject to valuation of the land as assessed by HDFC.

The loan may be applied either individually or jointly. Proposed owners of the property will have to be co-applicants. However, the co-applicants need not be co-owners in the property.

This loan can be availed of by all the customer segments - Resident as well as Non-Resident Indians and all the employment segments - Employed, Self-employed Professionals and Self-employed Non-Professionals. Applicants are given two options to choose the rate of interest scheme:

Adjustable Rate Home Loan [ ARHL]

Fixed Rate Home Loan[ FRHL]

HDFC loan for plot demands first mortgage on the land being purchased as collateral. The bank offers flexible repayment options to suit individual needs.


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Home Loan Interest Rates

HDFC Bank 10.75% - 11%
Reliance Finance 11%
Dhanalakshmi Bank 12%
Barclays Bank 11% - 11.25%
HSBC 10.75% - 11%
Kotak Mahindra Bank 11.25% - 11.50%
DHFL 11.25% - 11.50%
Indiabulls 10.50%- 11.25%
First Blue 10.50% - 11.75%
Citi Bank 10.50% - 11%
Standard Chartered Bank 10.75% - 11%
Axis Bank 10.75% - 11%
ICICI Bank 10.50% - 11.75%
Deutsche Bank 10.75% - 11%
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