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Compare Loan Against Property - HDFC Bank vs DBS Bank

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Bank
Parameters
Interest Rate
Interest Rate
8.50% - 9.50%
8.15% - 8.15%
Processing Fees
Processing Fees
Upto 0.75%
Upto 0.50%
Max ₹ 10,000
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 3 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 65%
Upto 65%
Maximum Tenure
Maximum Tenure
15 Years
10 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 985
₹ 1,221
Benchmark Rate
Benchmark Rate
RLLR
RLLR
Minimum Age
Minimum Age
21 Years
21 Years
Maximum Age
Maximum Age
65 Years
65 Years
Overdraft Facility
Overdraft Facility
Y - Dropline OD Against Property
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
4.7/5.0
4.7/5.0
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Compare EMI of HDFC Bank and DBS Bank Loan Against Property

Loan Amount HDFC Bank DBS Bank
₹ 10 Lakh ₹ 9,847 ₹ 12,212
₹ 15 Lakh ₹ 14,771 ₹ 18,318
₹ 30 Lakh ₹ 29,542 ₹ 36,636
₹ 50 Lakh ₹ 49,237 ₹ 61,061

Which is a better bank for Loan Against Property – DBS Bank or HDFC Bank?

HDFC Bank offers lower Loan Against Property EMI at ₹ 985 on a Loan Against Property for 15 Years as compared to DBS Bank with a minimum EMI of ₹ 1,221 for 10 Years. Average customer ratings for HDFC Bank is currently at 4.7/5.0 which makes it a good choice for taking a Loan Against Property.

How does DBS Bank Loan Against Property compare with HDFC Bank Loan Against Property?

It is important to do a detailed comparison of DBS Bank and Loan Against Property on all loan terms and conditions to understand their differences and take an informed decision. Keep in mind that each bank’s scheme has its own pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of DBS Bank Loan Against Property is 8.15%, which is lower than the lowest interest rate of HDFC Bank at 8.50% and hence, DBS Bank is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, DBS Bank charges a lower processing fees of 0.50% of the loan amount vs HDFC Bank with a processing fees of 0.75% of loan amount.
  • DBS Bank and HDFC Bank offer mortgage loan upto 65% of the value of the property. Hence, the same loan to property value ratio makes them a comparable option to choose from.
  • DBS Bank is a Foreign Bank with its Loan Against Property rates benchmarked to RLLR. HDFC Bank is a Private Bank with its home loan rates benchmarked to RLLR. Hence, both banks are benchmarked to same rate which make them a comparable option to choose from.
  • DBS Bank with an average customer ratings of 4.7 is equally comparable to HDFC Bank with an average customer rating of 4.7, and hence, the customer can expect the same kind of service levels from these banks.
  • One unique feature of HDFC Bank is its overdraft facility which allows borrowers to minimize their interest outgo by paying interest only on the loan amount utilized. This scheme makes it an apt choice for self-employed and businessmen with fluctuating fund requirements.

Which bank offers lower interest rate on Loan Against Property – DBS Bank or HDFC Bank?

As per the current rates, DBS Bank offers a lower interest rate of 8.15% on Loan Against Property when compared to HDFC Bank which offers a Loan Against Property at 8.50%.

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Loan Against Property News - Jun 2021
  • 2021-06-14 : IDFC First Bank’s helping hand for the covid-affected families of employees
    To help the families of employees who lost their lives due to covid, IDFC First Bank is offering compensation of upto 4 times of the CTC along with a salary of two years. Along with that, the bank is also wavering the loans of such employees to reduce the burden on the employees’ family.
  • 2021-06-10 : Rural Loan Collections to be affected by the Second wave
    As the borrowers are continuously facing the issues created by the pandemic, India Ratings - a rating agency reported that the collections of Rural Loan which includes Home Loan, Loan Against Property, Business Loan, Personal Loan, etc. will be vastly affected because of the second wave of Covid-19.
  • 2021-06-10 : Edelweiss to become co-lending partners with Central Bank of India
    Edelweiss Retail Finance Ltd. (ERFL) strengthened its co-lending partnership with the Central Bank of India in order to ensure priority sector lending to the MSMEs. MSMEs can now avail collateral free loans of upto 50 lakhs and Loan against property of upto Rs 10 crores.
  • 2021-06-10 : Central Bank of India to become co-lending partners with Edelweiss
    Edelweiss Retail Finance Ltd. (ERFL) strengthened its co-lending partnership with the Central Bank of India in order to ensure priority sector lending to the MSMEs. MSMEs can now avail collateral free loans of upto 50 lakhs and Loan against property of upto Rs 10 crores.
  • 2021-06-09 : Growth of upto 18% expected by IIFL Home Finance on loans
    IIFL Home Finance expects a growth on its loan book which includes Home loans and Loan against property of upto 18%.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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