DCB Bank Home Loan

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.

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.