Unlock the Value of Your Land: Loan Against Property & Land Mortgage Solutions with HDBFS

If you are a land owner who is considering converting the land into capital, then you don't have to stress. Today, many land owners are starting to realize the advantages of a 'Loan against Land.' They now see this as a way to free up funds that would otherwise be stuck in non-performing assets or idle land. For instance, the market for loans secured by real estate in India alone was valued at an incredible USD 758 billion in 2024 and is expected to grow at a compound annual growth rate (CAGR) of 13.5% to surpass USD 2.3 trillion by 2033. With HDB Financial Services (HDBFS), leveraging a mortgage against land enables quick access to large-scale funding, ideal for business expansion, personal milestones, and strategic opportunities. Benefit from minimal documentation, flexible repayment terms, and competitive rates while keeping ownership of your valued asset.

What Is a Loan Against Land?

A loan against land is a secured financing option where HDBFS provides capital by mortgaging your land. Unlike personal loans, this structure offers:

• High borrowing capacity: Borrow up to 60% of your land’s market value—or even higher based on credit profile.
• Lower interest rates: Secured by the property, these loans typically have lower rates compared to unsecured credit. HDBFS interest rates for LAP range from 8 to 20% p.a.
• Flexible tenure: Repayment periods range from 12 months up to 180 months, tailored to your cash-flow needs.

By opting for a loan against land, you preserve ownership and control of the property while unlocking funds for productive use.

Why Choose HDBFS for a Mortgage Against Property?

HDBFS stands out as a strong mortgage partner due to:

Attractive interest rates & flexible structure

HDBFS provides attractive interest rates ranging from 8% to 20% per annum on loans against land and property, with flexible repayment tenures extending up to 15 years. Rates are customized based on your credit profile, income, and the type of land, ensuring a financing solution aligned with your financial goals.

Quick, hassle-free process

With a fully digital application process, minimal paperwork, and streamlined verification, HDBFS ensures that your loan against land experience is fast and efficient. Instant approvals post-evaluation mean you receive funds quickly, enabling you to act on business or personal opportunities without delay.

Choice of secured collateral

HDBFS accepts a broad range of property types as collateral for a mortgage against property, including residential lots, commercial property, and land/specialized land. The option to use these assets as collateral allows the borrower to access significant funding based on their assets’ current market value, providing access to capital for a wider variety of borrowers and offering some strategic options as well.

Balance transfer & LRD options

There is also an ability to refinance your existing loans with HDBFS to take advantage of better interest rates and repayment terms. HDBFS provides Lease Rental Discounting (LRD), which helps to cash-flow future rent receivables from retail/commercial properties. This allows the borrower to have a cashflow source without liquidating their real estate.

High-ticket loans

As a fresh borrower, you can avail funding of up to ₹15 crore through HDBFS’s loan against land offering, depending on your land's market value and credit profile. Existing customers with strong repayment histories can unlock even higher limits, up to ₹25 crore. This enables substantial financial leverage for growth or investment.

Use Cases for a Loan Against Land

• Business expansion: Scale operations, set up new facilities, or fund working capital using a loan against land.
• Debt consolidation: Roll multiple high-interest debts into one manageable EMI.
• Funding life goals: Finance weddings, education, or investments by leveraging the capital locked in land.
• Strategic capital deployment: Use for renovations, asset purchases, or acquiring land/shops for commercial purposes.

How the Process Works

• Application & documentation: Apply online or via a branch. Submit proofs (ID, income, ownership) digitally.
• Valuation & underwriting: HDBFS assesses land value and borrower eligibility.
• Approval: Loan approval and customized rate based on collateral type and creditworthiness.
• Disbursal: Funds are transferred swiftly to your account once documentation is verified.
• Repayment: Flexible EMIs through your preferred channel—ACH, PDC, or ACH swap.

Features at a Glance

Why Now?

• Cost-effective financing: Secure funds at better terms compared to unsecured options.
• Enable business growth: Deploy capital without selling property or diluting equity.
• Strategic financial planning: Benefit from flexible tenures and tailored repayment schedules.
• Stay liquid: Retain land ownership while unlocking value for personal or professional goals.

Get Started with Your Loan Against Land

• Visit HDBFS Loan Against Property to explore product features.
• For business-specific financing, check HDBFS Business Loans.
• Connect with an HDBFS loan advisor or access the HDB–OnTheGo app to check your eligibility.
• Apply online or visit your nearest branch—no upfront fees or hidden charges.

Take Action Today

Unlock your land’s hidden potential with HDBFS’s tailored loan against land solutions, designed to turn static property into active capital. Whether you’re looking to grow your business, consolidate debt, or fund a major personal milestone, HDBFS offers structured, high-value financing through a flexible mortgage against property. Benefit from competitive interest rates, quick approvals, and tenures that align with your financial strategy—all while retaining ownership of your land. With minimal documentation and a hassle-free application process, HDBFS makes it easier than ever to access the value locked in your assets. Apply now and take control of your financial future.