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DBS Home Loan

DBS Housing Loan 2021

Last Updated 09th Nov 2021

DBS Bank home loan is ideal for fulfilling your housing dreams as it offers ease and convenience to the home loan customers. The bank offers home loans with facilities like quick processing, secure payment options, and transparent home loan charges. DBS Bank home loan interest rate is affordable and begins from 7.30%. In addition to that, the DBS Bank home loan processing fee is minimal and begins from Maximum ₹ 10,000. The bank provides doorstep home loan service and offers customized home loan products to its different home loan buyers. Popular home loan products offered by DBS Bank are Loan to Construct Property, Loan to Purchase House, Home Extension Loan, Home Loan Balance Transfer, and Top-Up Loan.

  • Loan to Construct Property - DBS Bank home loan is available for home loan borrowers who wish to construct a home on a plot. The loan can be approved even before the property is finalized.
  • Loan to Purchase House - DBS Home loan to purchase a house, is ideal for people who wish to purchase a new home. Home loan borrowers can avail free and safe document storage facility with this home loan product.
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DBS Bank Home Loan Details

DBS offers multiple home loan products to its customers at low rates. Below-mentioned are the details of home loan DBS

Age Min 21 and Max 60 years for Salaried
Min 21 and Max 65 years for Self Employed
Repayment Tenure 20 years
Interest Rate 7.30%
Interest Rate Linked To RLLR
Processing Fee Maximum ₹ 10,000
Lowest EMI Per Lakh ₹ 793
  • Purpose of Loan: DBS house loan is taken to purchase, construct a home, renovate your existing home.
  • Key Features of DBS Home Loans
    • Loan available for both salaried and self employed. Special rates for women borrowers.
    • Borrowers within the age group of 21 and 60 years.
    • Security: Mortgage of property you are planning to purchase, renovate or construct.
    • Loan to Value Ratio of 80%.
    • Loan Tenure can range from 5 to 20 years.
    • Interest rates in the range of 7.30% to 7.30%.
    • DBS home loan EMI per lakh starts from ₹ 793. However, you can calculate your home loan EMI using DBS home loan calculator 2021.
  • Special schemes: DBS offers customised home loan interest rates and schemes for special category of borrowers including women borrowers, senior citizens, NRIs etc. Some of the special loan offers of DBS are:

Features & Benefits of DBS Bank Home Loans

Some of the features and benefits of DBS Bank Home Loans are listed as follows:-

  • DBS Bank Home Loan Interest Rate starts from 6.70%.
  • DBS Bank charges a processing fees of Maximum ₹ 10,000.
  • Loan Tenure of Home Loan ranges from 5 years to 30 years.
  • Lowest EMI per lakh on home Loan from DBS Bank is per lakh offered at the lowest interest rate of 6.70% at the longest loan tenure of 30 years.
  • DBS Bank allows prepayment of home loans with Nil charges on floating rate loans.
  • DBS Bank has an average customer rating of 5/5.0 from customers who have taken a home loan from the bank.

DBS Home Loan Processing Fee

DBS Home Loan Schemes Processing Fees
Home Loan Balance transfer Maximum ₹ 10,000
Top-Up Loan Maximum ₹ 10,000

How to Get Easy Home Loan from DBS Bank?

Getting a home loan from DBS is fairly easy with an online application process. 5 Steps for DBS Home Loan Apply

  • Step 1: Visit the website, branch, or website of authorised online channel partner of DBS and fill in the application form with loan amount required, property details, your personal details, occupation information and your contact number.
  • Step 2: An official of DBS or online partner will call you to discuss your eligibility of the loan as well as explain the loan rates, terms as well as processing fees and other charges.
  • Step 3: Once you agree to proceed with the loan application, you will need to submit your income and property documents online or a DBS’s representative will visit your home or office to collect your documents.
  • Step 4: DBS will ask you to submit the processing fees and take a few days to conduct a credit appraisal and do technical evaluation of your property.
  • Step 5: If you are eligible and your property qualifies for a loan, you will be issued a sanction letter from DBS and will need to sign a loan agreement with the bank. Post this, the loan will get disbursed to your account.

DBS Bank Home Loan Documents Required

To apply for a home loan in DBS, the bank asks you to submit the following DBS Home Loan Documents .

  • Home loan application form with three attested photographs.
  • Identity proofs: PAN, passport, Voter ID card or driving license.
  • Address or residence proofs: Recent copy of utility bills such as telephone, electricity bill, water bill, gas bill, or a copy of aadhar card, passport, driving license.
  • Property papers: Permission for the construction of a property; allotment letter; stamped agreement for sale; registered agreement for sale (only for Maharashtra); share certificate (only for Maharashtra); maintenance and electricity bill of the property; property tax receipt; conveyance deed in case of new property; payment receipts or DBS account statements of the payments made to the builder or the seller; Xerox copy of the approved plan copy and registered development agreement of the builder.
  • Bank account statements for the last six months of all bank accounts held by the applicant.
  • Loan A/C statement of last one year if any loan is availed previously from any other bank or another lender.
  • Income proof for salaried: Salary certificate or salary slip for the last three months; copies of form 16 of last two years; a copy of IT returns for the last two financial years that is acknowledged by the Income Tax department.
  • Income proof for self-employed: Address proof of business; Income tax returns of last three years; balance sheet and Profit & Loss A/c for last three years; business license details; TDS certificate or Form 16 A.
  • Self-employed professionals like CA or doctors, amongst others, are also required to submit the certificate of qualification.

DBS Home Loan Schemes

DBS offers various customized home loan offers for different types of home loan borrowers. The home loan offers vary across different loan segments such as home loans for NRI, salaried, government employees, defence and army personnel, pre-approved home loans for existing customers, home loans for construction and upgradation of home, amongst others. Some of the popular DBS home loan products and their specifications are listed as follows:

DBS Bank Home Loan EMI Calculator

DBS home loan EMI calculator helps the home loan borrowers plan their home loan EMIs, that is composed of the monthly interest rate, and monthly reducing balance. The calculator functions on the basic components of the principal amount, loan tenure and interest rate. DBS Bank Home loan calculator helps the loan borrower pre-plan their home loan in advance.

DBS Bank Home Loan Eligibility Calculator

DBS Bank Home loan eligibility calculator is an online tool that helps the DBS home loan borrowers estimate their home loan eligibility. The eligibility calculator considers various factors such as the income of the applicant, age, work experience, employment and credit score. Therefore, the eligibility helps one analyse their ability and affordability of a home loan. You can also add a co-applicant in case your loan eligibility is lower than the amount.

Compare DBS Bank Home Loan with Other Banks


What are the documents required for home loan DBS?

To apply for DBS Bank Home Loan, you will be required to submit DBS home loan documents such as home application form with attested photographs along with various other documents such as identity proof, bank statements, residence proof, property papers and loan account statements if any.

Why should I take a home loan from DBS Bank ?

Below-mentioned is the reason why you must avail a home loan from DBS

  • Top up loan available at home loan rate
  • Get home loan upto a high amount of Rs. 5 Crores
  • Quick loan processing with complete transparency
  • Home loans for NRIs also available

Can I apply for an DBS home loan online?

Yes, you can apply for a DBS home loan online by visiting the bank’s official online portal for home loans or at an online marketplace like MyLoanCare.

Which is the best DBS home loan scheme?

Choosing the best DBS home loan scheme is subjective to the requirement of the home loan applicant. For instance, there are different home loan offers for the purchase, construction or renovation of a home. Thereby, choosing the best DBS home loan scheme is based on one’s needs.

Is DBS good for a home loan?

DBS is one of the best home loan lenders in the country. Currently, DBS home loan interest rate 2021 starts at 6.50%.

How many types of DBS home loans are there?

DBS offers various home loan products for the convenience of the home loan borrowers. Various popular home loan products offered by DBS are listed as follows: Home Loan Balance transfer, Top-Up Loan

How can I check my DBS home loan status?

One can check their DBS home loan status on DBS’s home loan portal under the option. ‘Application tracker’. Apart, home loan status can also be checked on the DBS mobile app

What is the eligibility for a Home Loan of DBS Bank?

The eligibility to avail a Home Loan is set across the applicant’s age and income. The age of the applicant should range between 18-70 years. Further the minimum income of the applicant should be ₹ 25,000 along with a good credit score of 650 and above.

What is DBS Bank Home Loan procedure?

There are two methods to complete the application for DBS Bank Home Loan Process online:

  • Apply online at DBS Bank official website or online portal for home loans.
  • Online Marketplace like MyLoanCare

However, Availing a loan through an online marketplace improves your the chances of getting the best loan rates, low processing fees and special offers in the form of cash backs.

What is the maximum loan tenure I can opt under DBS Bank house loan?

DBS Bank offers you a longer tenure of 20 years to repay your loan with the benefit of paying less EMI per month.

Does DBS Bank check CIBIL for home loan?

Yes, to avail home loan from DBS Bank, you must fulfill DBS Bank Home Loan CIBIL requirement of a min CIBIL Score of 650 or above.

Can I transfer my house loan from another bank to DBS Bank?

Yes, Bank gives you the facility to transfer your existing loan with a hassle-free process. Availing loan transfer to DBS Bank can allow you to save interest, pay lower EMIs, and save money.

Can I club the income of my spouse with mine and apply for joint Home Loan?

You can club the income of your spouse to increase your Home Loan eligibility if the spouse is co-owner of the property or guarantor of the loan.

What is the benchmark applicable for a housing loan?

The benchmark applicable for Home Loan in DBS Bank is RLLR . RLLR is an external benchmark wherein commercial banks use the RBI’s repo rate to calculate the retail loan interest rate. In RLLR, the reset period is 3 months which implies that banks would revise your interest rate of RLLR-linked loans every 3 months.

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DBS Home Loan News - Nov 2021
  • 2021-04-30 : DBS planning to buy Citi’s consumer banking in India
    DBS is planning to purchase Citi’s consumer business in India. Citibank announced that it will be exiting from 13 international consumer banking markets, including India and China as part of its global strategy.
  • 2021-03-09 : DBS Bank launched a travel marketplace on the digibank app
    DBS Bank introduced a travel marketplace on the digibank app. It will enable customers to browse and book flights, bus tickets and hotels across hundreds of destinations within and outside of India. DBS bank offers a savings account and currently the interest on the savings account is 4%.
  • 2019-03-06 : DBS Bank inaugurates the first branch in Ahmedabad
    DBS Bank on has inaugurated its first branch in Ahmedabad with a focus on catering to the needs of Small and Medium-sized Enterprises (SMEs), corporate and retail segment. The lender is increasing its presence in the state as well as the nation also by opening eight more number of bank branches. The lender has further plans to reach out to more number of SMEs through their digital offerings as well as superior banking services.
  • 2018-09-07 : DBS Bank hikes Floating Home Loan and LAP rates
    DBS Bank has increased its floating Interest Rate on the home loan and Loan Against Property (LAP) by 25 basis point following the hike in its MCLR. The new rate for the Home loan now starts at 9.70% and for that of LAP at 12.15%, a hike of 25 basis points. The revised rates are effective from September 7, 2018. There is no change in the processing fees.
  • 2018-08-08 : DBS Bank revises MCLR rates
    DBS Bank has revised its MCLR for the month of August. The rates continue to be in the range of 8.60% to 8.90%. Six month MCLR is now at 8.85% and that of one year is 8.90%. The rates are effective from August 7, 2018.
*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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