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DBS Loan Against Property EMI Calculator

DBS Bank Mortgage Loan EMI 2021

Last Updated 08th Oct 2021

Get monthly EMI as low as ₹ 1,221 per lakh on DBS Bank loan against property. Mortgage loan EMI in DBS Bank depends upon the type of property (residential, commercial, industrial), occupation (businessmen, self employed, salaried), loan amount, loan tenure and interest rate. Check Best Offers.

  • Use DBS Bank mortgage loan calculator to evaluate your EMI before applying for a loan.
  • Check DBS Bank property loan EMI for different tenures at the current rate of 8.15%
Loan Amount5 Year Loan7 Year loan10 Year loan
₹ 20 Lakh₹ 40,697₹ 31,322₹ 24,424
₹ 30 Lakh₹ 61,045₹ 46,983₹ 36,636
₹ 50 Lakh₹ 1,01,741₹ 78,305₹ 61,061
Apply for Loan Against Property @ 6.90%* Get upto ₹ 1,000* Cashback
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Loan Against Property EMI Calculator DBS Bank

You can calculate your DBS Bank loan against property EMI in advance to plan your expenses using a DBS Bank mortgage loan calculator. DBS Bank loan against property EMI calculator is an online tool that gives accurate results without hassle.

Why should you use DBS Bank Loan Against Property EMI Calculator?

  • Calculate the EMI at Different Tenures : With DBS Bank LAP EMI Calculator, you can compare the EMI on your loan against property with different loan tenures and loan amount. However, you must check the interest rate on DBS Bank loan against property to calculate the EMI. As per the current rates, DBS Bank offers the lowest EMI per lakh of ₹ 1,221 at 8.15 %
  • Compare DBS Bank LAP EMI : You can also get a precise estimate on your loan against property compared to other banks at the same loan amount and tenure by using DBS Bank loan EMI Calculator. On the basis of DBS Bank Loan against property EMI, you can choose the most affordable offer.
  • Get Detailed Amortisation Schedule : DBS Bank Loan against EMI Calculator helps you to calculate the division of total EMIs into interest and principal repayment at different periods throughout the loan tenure.
  • Calculate the Outstanding Balance : Finally, you can also use DBS Bank EMI Calculator to calculate the remaining loan tenure for the outstanding balance at any period of the loan tenure. Thus, it can help you reduce your loan tenure by prepayment or foreclosure or to avail loan at a lower rate with balance trasnfer.

DBS Bank Mortgage Loan EMI Calculator to estimate the EMI that fits your budget

To calculate the EMI against DBS Bank EMI loan against property at different rates and tenure, enter different loan amounts and tenure at the eligible interest rate on the DBS Bank Loan against property EMI calculator. The table below shows the DBS Bank EMI calculation at the various combinations of loan amount and years at the lowest rate of 8.15%.

DBS Bank Loan against property EMI is calculated for different loan amounts and tenures at 8.15% interest rate

Loan Tenure
Loan Amount (Rs.)10 years15 years20 years
EMI on ₹ 15,00,000 ₹ 18,318 ₹ 14,465 ₹ 12,687
EMI on ₹ 25,00,000 ₹ 30,530 ₹ 24,108 ₹ 21,145
EMI on ₹ 40,00,000 ₹ 48,849 ₹ 38,573 ₹ 33,832
EMI on ₹ 60,00,000 ₹ 73,273 ₹ 57,860 ₹ 50,748

Factors Affecting DBS Bank Property Loan EMI

You can calculate DBS Bank EMI for your loan against property using an online LAP EMI Calculator, which considers factors such as loan amount, rate of interest and the tenure for which you are planning to avail the loan.

Loan Amount

If you apply for a higher loan amount, you will have to pay a higher EMI on loan against property. You can avail of DBS Bank loan against property for an amount ranging between ₹ 40,00,000 to ₹ 3,00,00,000.

Interest Rate

A higher interest rate increases your DBS Bank loan against property EMI, increasing the total cost of the loan. As per the current rates, DBS Bank provides loan against property at rates starting at 8.15%. Before applying for a loan, you must compare LAP rates and calculate EMI online using DBS Bank loan against property loan calculator.

Loan Tenure

Your EMI will be lower if you avail mortgage loan for a maximum tenure of 10 years, and similarly, you will have to pay a higher EMI if your tenure is shorter.

Comparison of DBS Bank Loan Against Property EMI with other Banks

Bank Name Interest rate Loan Amount of ₹ 10 Lakh Loan Amount of ₹ 30 Lakh Loan Amount of ₹ 50 Lakh
DBS Bank 8.15% ₹ 12,212 ₹ 36,636 ₹ 61,061
DBS Bank 8.15% ₹ 12,212 ₹ 36,636 ₹ 61,061
DCB Bank 8.25% ₹ 9,701 ₹ 29,104 ₹ 48,507
ICICI Bank 8.35% ₹ 9,760 ₹ 29,279 ₹ 48,798
Axis Bank 8.50% ₹ 9,847 ₹ 29,542 ₹ 49,237
HDFC Bank 8.50% ₹ 9,847 ₹ 29,542 ₹ 49,237
LIC Housing Finance 8.50% ₹ 9,847 ₹ 29,542 ₹ 49,237
HDFC 8.75% ₹ 9,994 ₹ 29,983 ₹ 49,972
Bank of India 8.85% ₹ 11,296 ₹ 33,888 ₹ 56,480
PNB Housing Finance 8.90% ₹ 8,933 ₹ 26,799 ₹ 44,665
Punjab and Sind Bank 8.90% ₹ 11,324 ₹ 33,972 ₹ 56,620

DBS Loan Against Property Amortization Calculator

The amortization schedule breaks the month-wise calculation of principal and interest amount you will be paying in the form of your EMIs. In simple words, with each month’s EMI, the share of interest and the principal amount keeps changing, while the former keeps on reducing the later keep on increasing. That’s why if you decide to prepay your loan in the first few years you will find out that you have paid a very small proportion of the principal sum. Let us understand this better with the help of an illustration.

Illustration: How to read an amortization schedule

Suppose you borrow a Loan Against Property of ₹ 20 Lakh from DBS for 20 years at an interest rate of 8.15%, the EMI calculated for this loan amount would be ₹ 16,916 and the total annual EMIs to be paid annually is ₹ 2,02,992. The DBS Loan Against Property EMI schedule for 20 years is explained below in the table –

Amortization Schedule for a Loan Against Property of ₹ 20 Lakh over the 20 years

Year Interest paid during the year Principal repaid during the year Total amount paid during the year (Interest + Principal) Outstanding Principal
2021 ₹ 40,682 ₹ 10,066 ₹ 50,748 ₹ 19,89,934
2022 ₹ 1,60,620 ₹ 42,372 ₹ 2,02,992 ₹ 19,47,562
2023 ₹ 1,57,035 ₹ 45,957 ₹ 2,02,992 ₹ 19,01,605
2024 ₹ 1,53,146 ₹ 49,846 ₹ 2,02,992 ₹ 18,51,759
2025 ₹ 1,48,929 ₹ 54,063 ₹ 2,02,992 ₹ 17,97,696
2026 ₹ 1,44,354 ₹ 58,638 ₹ 2,02,992 ₹ 17,39,058
2027 ₹ 1,39,392 ₹ 63,600 ₹ 2,02,992 ₹ 16,75,459
2028 ₹ 1,34,011 ₹ 68,981 ₹ 2,02,992 ₹ 16,06,478
2029 ₹ 1,28,174 ₹ 74,818 ₹ 2,02,992 ₹ 15,31,660
2030 ₹ 1,21,844 ₹ 81,148 ₹ 2,02,992 ₹ 14,50,512
2031 ₹ 1,14,977 ₹ 88,015 ₹ 2,02,992 ₹ 13,62,497
2032 ₹ 1,07,530 ₹ 95,462 ₹ 2,02,992 ₹ 12,67,035
2033 ₹ 99,452 ₹ 1,03,539 ₹ 2,02,992 ₹ 11,63,496
2034 ₹ 90,692 ₹ 1,12,300 ₹ 2,02,992 ₹ 10,51,195
2035 ₹ 81,189 ₹ 1,21,803 ₹ 2,02,992 ₹ 9,29,393
2036 ₹ 70,883 ₹ 1,32,109 ₹ 2,02,992 ₹ 7,97,284
2037 ₹ 59,705 ₹ 1,43,287 ₹ 2,02,992 ₹ 6,53,997
2038 ₹ 47,581 ₹ 1,55,411 ₹ 2,02,992 ₹ 4,98,585
2039 ₹ 34,431 ₹ 1,68,561 ₹ 2,02,992 ₹ 3,30,024
2040 ₹ 20,168 ₹ 1,82,824 ₹ 2,02,992 ₹ 1,47,200
2041 ₹ 5,044 ₹ 1,47,200 ₹ 1,52,244 ₹ 0

Each DBS Loan Against Property EMI consists of both amounts of interest as well as the principal repaid. The interest component of EMI goes down while the principal component goes up in both cases while doing the calculation.

As you assess the amortization table, you will find that by the end of 1st year 20.45% of your EMI has been used to repay the principal amount. This means that the remaining 79.55% of the EMI went into interest payment. Thus, you end up paying only 2.08% of the loan amount of ₹ 20 Lakh after paying 12 EMIs in the first year to DBS.

In year 20, the interest component of DBS EMI is around 4.28%, while the principal component is around 95.72%. Upto 20 years, you have cumulatively repaid 100% of your total DBS Loan Against Property.

DBS Bank Loan Against Property EMI for ₹ 10 Lakh

The following table shows EMI on DBS Bank loan against property for ₹ 10,00,000 for different tenures at an interest rate of 8.15%

Loan Amount Interest rate Tenure (Year) EMI
₹ 10,00,000 8.15% 5 Years ₹ 20,348
₹ 10,00,000 8.15% 10 Years ₹ 12,212
₹ 10,00,000 8.15% 12 Years ₹ 10,907
₹ 10,00,000 8.15% 10 Years ₹ 12,212

DBS Bank Loan Against Property EMI for ₹ 25 Lakh

The following table shows DBS Bank loan against property EMI for ₹ 25,00,000 for different tenures at an interest rate of 8.15%

Loan Amount Interest rate Tenure (Year) EMI
₹ 25,00,000 8.15% 5 Years ₹ 50,871
₹ 25,00,000 8.15% 10 Years ₹ 30,530
₹ 25,00,000 8.15% 12 Years ₹ 27,267
₹ 25,00,000 8.15% 10 Years ₹ 30,530

DBS Bank Mortgage Loan EMI for ₹ 30 Lakh

The following table shows DBS Bank loan against property EMI for ₹ 30,00,000 for different tenures at an interest rate of 8.15%

Loan Amount Interest rate Tenure (Year) EMI
₹ 30,00,000 8.15% 5 Years ₹ 61,045
₹ 30,00,000 8.15% 10 Years ₹ 36,636
₹ 30,00,000 8.15% 12 Years ₹ 32,721
₹ 30,00,000 8.15% 10 Years ₹ 36,636

FAQs

Will the DBS Bank Loan Against Property EMI remain constant or change in future? What happens in case of increase or decrease in interest rate?

DBS Bank Loan against property may change as per the borrower’s financial ability or in case of floating rate of interests offered by the lender. The consequences of the change in DBS Bank LAP EMI are listed as follows:

  • Typically, the Loan Against Property EMI remains unchanged unless the customer requests for a change and the same is approved by DBS Bank subject to its eligibility conditions (note that nominal charges may apply for effecting a customer initiated change in EMI).
  • In case the floating rate of interest on your loan increases, DBS Bank will typically keep the EMI constant but increase the loan tenure. So, you will pay the same EMI but for a longer duration. In case, the interest rates increase to the extent that the revised loan tenure is more than the maximum permissible by DBS Bank, the bank may increase your EMI amount.

Will DBS Bank Loan Against Property EMI change in case of prepayment?

Similar to all loans, DBS Bank Loan against property also offers the prepayment facility to the loan borrowers. Prepayment of loan leads to certain changes as listed below:

  • When you make a prepayment, the outstanding principal amount on your property loan reduces. You may choose to either keep the EMI the same and reduce the loan tenure (enabling you to pay off the loan faster) or reduce the EMI and keep the loan tenure unchanged (thus paying a lesser amount every month). It is beneficial to keep the EMI constant and reduce the loan tenure as you pay less interest to the bank in this option.
  • Note that DBS Bank may levy prepayment charges except on floating rate property loans sanctioned to individuals.

How does EMI calculator calculate DBS Bank Loan Against Property EMI?

DBS Bank Loan against property emi calculator is a reliable and time-saving tool to calculate the LAP EMI. It functions as follows:

  • EMI is calculated using a combination of the loan amount, loan tenure and interest rate.
  • DBS Bank mortgage loan calculator calculates EMI on a reducing balance basis and assuming payment of EMI in arrears (that is interest is charged for the month preceding the date of EMI payment on EMI date) and not in advance.

How much loan can I get against my property from DBS Bank?

You can avail of a maximum loan of ₹ 3,00,00,000, depending on the value of the property. However, the loan amount cannot be more than 65% of the property value. DBS Bank assesses the property before approving your mortgage loan application.

How to pay your DBS Bank Mortgage loan EMI Online?

You can pay the DBS Bank mortgage loan EMI by logging in to your net banking account as provided when availing of the loan using your savings account or debit/credit card. You can also visit the DBS Bank branch to submit the cheque of your EMI.

What is the EMI for ₹ 10 Lakh mortgage loan in DBS Bank?

To determine different EMI for different tenures, you can use a 10 lakh loan against property EMI Calculator. Consider this example for a better understanding.

Loan amount Interest rate Tenure EMI
₹ 10 Lakh 8.15% 5 years ₹ 20,348
₹ 10 Lakh 8.15% 10 years ₹ 12,212
₹ 10 Lakh 8.15% 12 years ₹ 10,907
₹ 10 Lakh 8.15% 10 years ₹ 12,212

How is DBS Bank loan against property EMI calculated?

You can calculate DBS Bank LAP EMI using the mathematical formula mentioned below or using an online DBS Bank LAP EMI Calculator.

  • E = [P x R x (1+R)^N]/[(1+R)^N-1] where
  • ‘E’ means Equated monthly instalments
  • ‘P’ means the principal amount
  • ‘N’ is the number of monthly instalments
  • ‘R’ is the interest rate per month.

What is the EMI for ₹ 20 Lakh Loan against property in DBS Bank?

To determine different Loan against property EMI DBS Bank for different tenures, you can use a 20 lakh loan against property Calculator, as reflected in the table below:

Loan amount Interest rate Tenure EMI
₹ 20 Lakh 8.15% 5 years ₹ 40,697
₹ 20 Lakh 8.15% 10 years ₹ 24,424
₹ 20 Lakh 8.15% 12 years ₹ 21,814
₹ 20 Lakh 8.15% 10 years ₹ 24,424

What is the EMI for ₹ 30 Lakh mortgage loan in DBS Bank?

To determine different DBS Bank EMI for different tenures, you can use a 30 lakh loan against property EMI Calculator.

Loan amount Interest rate Tenure EMI
₹ 30 Lakh 8.15% 5 years ₹ 61,045
₹ 30 Lakh 8.15% 10 years ₹ 36,636
₹ 30 Lakh 8.15% 12 years ₹ 32,721
₹ 30 Lakh 8.15% 10 years ₹ 36,636

What is the EMI for ₹ 50 Lakh mortgage loan in DBS Bank?

To estimate DBS Bank EMI for different loans against property tenures, you can use a 50 lakh mortgage Calculator. The results are mentioned as follows:

Loan amount Interest rate Tenure EMI
₹ 50 Lakh 8.15% 5 years ₹ 1,01,741
₹ 50 Lakh 8.15% 10 years ₹ 61,061
₹ 50 Lakh 8.15% 12 years ₹ 54,535
₹ 50 Lakh 8.15% 10 years ₹ 61,061


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DBS Loan Against Property News - Oct 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%.
  • 2018-11-10 : DBS Bank revises MCLR
    DBS Bank has revised its MCLR for the month of November. The new rates now stand in the range of 8.70% to 9.00%, with 6-month MCLR and the 1-year rate at 9.00%. The new rates are effective from November 7, 2018.
  • 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.
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