HDFC vs BoB Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed:
A ledger-columns read on HDFC Bank and Bank of Baroda— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
HDFC vs BoB — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | HDFC | BoB |
|---|---|---|
| Interest Rate (p.a.) | 9% – 11% | 8.85% – 10.75% |
| Processing Fee | 1.00% (max Rs 75,000) | 0.50% (max Rs 50,000) |
| Max Loan Amount | Rs 10 Cr | Rs 7.5 Cr |
| Max Tenure | 20 Years | 15 Years |
| Bank Type | Private Sector | Public Sector |
| Founded | 1994 | 1908 |
| Headquarters | Mumbai | Vadodara |
Interest Rate (p.a.)
HDFC
9% – 11%
BoB
8.85% – 10.75%
Lower/better: BoB
Processing Fee
HDFC
1.00% (max Rs 75,000)
BoB
0.50% (max Rs 50,000)
Max Loan Amount
HDFC
Rs 10 Cr
BoB
Rs 7.5 Cr
Lower/better: HDFC
Max Tenure
HDFC
20 Years
BoB
15 Years
Lower/better: HDFC
Bank Type
HDFC
Private Sector
BoB
Public Sector
Founded
HDFC
1994
BoB
1908
Headquarters
HDFC
Mumbai
BoB
Vadodara
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 30 Lakh LAP for 15 years at each bank's listed starting rate.
HDFC
BoB
Savings: Choosing BoB saves you approximately ₹267 per month, or ₹48,060 in total interest over the loan tenure.
Feature Comparison
Key features offered by HDFC and BoB for loan against property.
| Feature | HDFC | BoB |
|---|---|---|
| Up to 70% LTV for residential | ||
| Overdraft & term loan options | ||
| Special rates for professionals | ||
| Balance transfer accepted | ||
| Up to 65% LTV | ||
| Both residential & commercial | ||
| Competitive PSU rates | ||
| Overdraft facility |
Up to 70% LTV for residential
Overdraft & term loan options
Special rates for professionals
Balance transfer accepted
Up to 65% LTV
Both residential & commercial
Competitive PSU rates
Overdraft facility
Which Is Better — HDFC or BoB?
It depends on your priorities. Here is a quick guide.
Choose HDFC If...
- Higher max loan amount (Rs 10 Cr vs 7.5 Cr)
- Longer max tenure (20 yrs vs 15 yrs)
Choose BoB If...
- Lower starting interest rate (8.85% vs 9%)
- Government-backed (public sector bank)
- Lower maximum rate (10.75% vs 11%)
Need context for this comparison? Contact Money Matrix Hub to discuss the displayed lender information. Any service terms and lender decisions should be confirmed before proceeding.
Eligibility Comparison
General eligibility criteria for loan against property at both banks.
HDFC Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
BoB Eligibility
- Property must be free from encumbrance
- CIBIL score: 650+ preferred
- Salaried or self-employed applicants
- Min income: Rs 25,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about HDFC vs BoB loan against property.
Which bank has a lower loan against property interest rate in 2026 — HDFC or BoB?
BoB currently shows a lower published starting rate of 8.85% p.a. for loan against property. However, the actual rate you receive depends on lender eligibility, current documentation, credit score, income, and loan amount. Money Matrix Hub can help you compare available lender information from both banks.
What is the maximum loan against property amount I can get from HDFC vs BoB?
HDFC offers a higher maximum loan amount of up to Rs 10 Cr. HDFC offers up to Rs 10 Cr while BoB offers up to Rs 7.5 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — HDFC or BoB?
HDFC lists a processing fee of 1.00% (max Rs 75,000), while BoB lists 0.50% (max Rs 50,000). Fees and waivers can depend on lender policy and borrower eligibility, so confirm the current Key Fact Statement before accepting an offer.
Should I choose HDFC or BoB for loan against property in 2026?
The best choice depends on your specific needs. HDFC offers rates from 9%–11% with a max tenure of 20 years, while BoB offers 8.85%–10.75% with 15 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a loan against property from both HDFC and BoB?
Money Matrix Hub can help you compare available lender information for HDFC and BoB. Any application, credit enquiry, offer, sanction decision, lender fee, and borrower charge are subject to the relevant lender's current policy and documentation.
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