Urban Money

DCB Bank Home Loan

DCB Bank
4.5

You can now comfortably apply for DCB Bank home loan without any worries. There is a smooth DCB Bank home loan online application procedure that you can always follow in this regard. You can also expect really attractive DCB Bank home loan interest rates in the bargain. You can get loans up to 90% of the value of the property with amounts hovering between Rs. 10 lakh and Rs. 5 crore. You can get both floating and fixed rates of interest on your home loans with relationship managers who will guide you throughout the entire procedure.

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Urban Money

Home Loan Banks

Interest Rate

Processing Fee

Loan Amount/Tenure

DCB Bank Home Loan Interest Rate

8.25% - 15%

Up to 2%

₹10L - ₹5Cr

Tenure(Up to 20 Years)

Details

DCB Bank Home Loan Features & Benefits

The features and benefits include the following: 

  • Maximum possible loan amount based on cash flow and income statements. 
  • Quick and smooth loan approval. 
  • Loan balance transfer provisions. 
  • Attractive insurance options. 
  • Vast network of 144+ branches in 85 Indian cities.

DCB Bank Home Loan Overview

You can now comfortably apply for DCB Bank home loan without any worries. There is a smooth DCB Bank home loan online application procedure that you can always follow in this regard. You can also expect really attractive DCB Bank home loan interest rates in the bargain. You can get loans up to 90% of the value of the property with amounts hovering between Rs. 10 lakh and Rs. 5 crore. You can get both floating and fixed rates of interest on your home loans with relationship managers who will guide you throughout the entire procedure.

DCB Bank Home Loan Fees and Charges

  • Loan processing charges- up to 2% of the loan amount or a minimum of Rs. 5,000. 
  • Collection fees- Rs. 100 for each call and Rs. 250 + taxes for each visit. 
  • Annual maintenance charges- Up to 1% on the principal outstanding where the average rate of utilization of the amount is less than 70% from the full disbursement date. 
  • There are zero prepayment charges in most cases but they may hover between 2-4% in some circumstances, subject to specific terms and conditions.

DCB Bank Home Loan Interest Rates

The minimum rate of interest is 8.25% onwards while the maximum rate goes up to 15%.

 

Documents Required for DCB Bank Home Loan

  • KYC Documents- Identity and Address Proof along with signed photographs. 
  • Age Proof (Birth Certificate, Aadhar Card, PAN Card, School Leaving Certificate, LIC Policy, Government ID Card, Passport). 
  • Last 6-12 months’ bank statements for salaried and self-employed borrowers. 
  • Latest 3 salary slips for salaried borrowers and latest 3 ITRs for self-employed borrowers along with all supporting documents and certified financials. 
  • Form 16 of last 2 years, company appointment letter and other supporting documents for salaried borrowers. Trade license/statutory registration/licenses for self-employed borrowers. 
  • Existing loan statements.

How does DCB Bank Compare with Other Lenders?

Name of the Lender Rate of interest per annum (onwards)
Citibank 6.75%
Kotak Mahindra Bank 6.55%
Bank of Baroda 6.50%
Union Bank of India 6.60%
Bank of India 6.85%
State Bank of India 6.75%
Central Bank of India 6.85%
LIC Housing Finance 6.90%
HDFC LTD 6.70%*
Axis Bank 6.90%
Punjab and Sind Bank 6.85%
Canara Bank 6.90%
Bank of Maharashtra 6.40%
IDFC First Bank 6.50%
Punjab National Bank 6.50%
Indian Overseas Bank 7.05%
UCO Bank 6.90%
United Bank of India 8.00%
IDBI Bank 6.75%
DBS Bank 7.30%
Karur Vysya Bank 7.20%
HSBC Bank 6.45%
Jammu and Kashmir Bank 7.20%
Saraswat Bank Home Loan 6.70%
PNB Housing Finance 6.99%
South Indian Bank 7.85%
Federal Bank 7.65%
Aavas Financiers 8.00%
Standard Chartered Bank 7.99%
Karnataka Bank 7.50%
Dhanlaxmi Bank 7.85%
Tamilnad Mercantile Bank 8.25%
Sundaram Home Finance 6.95%
Tata Capital 6.90%
Bandhan Bank 6.40% -13.50%
IIFL 10.50%
Yes Bank 8.95%
Shriram Housing 8.90%

DCB Bank Home Loan Customer Care Number

The customer care number is 022 6899 7777 or 040 6815 7777. 

FAQs

From refinancing to reducing your interest, we have the answers right here.

What is The Minimum Salary For A Home Loan?

You should earn at least Rs. 25-30,000 for being eligible to apply for a home loan.

Can I Take Two Home Loans At A Time?

Yes technically there is no bar on applying for two home loans simultaneously provided you have the necessary eligibility for the same along with repayment capabilities.

What are the documents required in DCB Bank for a home loan?

The documents required include the following:

  • KYC Documents- Identity and Address Proof along with signed photographs. 
  • Age Proof (Birth Certificate, Aadhar Card, PAN Card, School Leaving Certificate, LIC Policy, Government ID Card, Passport). 
  • Last 6-12 months’ bank statements for salaried and self-employed borrowers. 
  • Latest 3 salary slips for salaried borrowers and latest 3 ITRs for self-employed borrowers along with all supporting documents and certified financials. 
  • Form 16 of last 2 years, company appointment letter and other supporting documents for salaried borrowers. Trade license/statutory registration/licenses for self-employed borrowers. 
  • Existing loan statements.

What are the KYC documents I will have to submit to apply for a home loan from DCB Bank?

The KYC documents include the following:

  • Age Proof (Birth Certificate, Aadhar Card, PAN Card, School Leaving Certificate, Government ID Card, LIC Policy, Passport)
  • Identity and Address Proof (Aadhar Card, Government ID Card, Driving License, Passport, Voter ID Card, PAN Card)

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