1 Crore DCB Bank Home Loan

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Buying a home is an exciting decision. Yet, the higher property value can also make it daunting. This is where the DCB Bank’s 1 crore home loan comes into play, especially for those seeking to purchase high-end residential property at a prime location. The bank ideally ensures eligible applicants can avail of lower interest rates, personalised repayment plans, simple documentation, and quick fund disbursement. Hereunder, Urban Money present all you need to know about this home loan. These may include the 1 crore home loan EMI in DCB Bank, eligibility criteria, required documents, and associated fees. This ultimately empowers you to make a more informed decision.

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Table of Content

1. 1 Crore Home Loan DCB Bank Highlights

2. 1 Crore Home Loan EMI for 5 Years DCB Bank

3. 1 Crore Home Loan EMI for 10 Years DCB Bank

4. 1 Crore Home Loan EMI for 15 Years DCB Bank

5. 1 Crore Home Loan EMI for 20 Years DCB Bank

6. 1 Crore DCB Bank Home Loan Fees and Charges

7. 1 Crore DCB Bank Home Loan Documents Required

8. 1 Crore DCB Bank Home Loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

1 Crore Home Loan DCB Bank – Highlights

The DCB Bank’s home loan interest rate for 1 crore and other key features are given below:

Interest Rates	9.75% – 15.32% per annum
Loan Amount	75 – 90% of the property value
Loan Tenure	Up to 20 years
Eligibility	Salaried or self-employed individuals

1 Crore Home Loan EMI for 5 Years DCB Bank

Here is the interest rate for a 1 crore home loan EMI in DCB Bank with a tenure of 5 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹1 Crore	9.75% p.a.	5 years	₹2,11,242	₹26,74,520	₹1,26,74,520

1 Crore Home Loan EMI for 10 Years DCB Bank

Following are the 1 crore home loan EMI for 10 years from DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹1 Crore	9.75% p.a.	10 years	₹1,30,770	₹56,92,400	₹1,56,92,400

1 Crore Home Loan EMI for 15 Years DCB Bank

Let’s examine the DCB Bank’s home loan EMI for 1 crore with a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹1 Crore	9.75% p.a.	15 years	₹1,05,936	₹90,68,480	₹1,90,68,480

1 Crore Home Loan EMI for 20 Years DCB Bank

Here is the 1 crore home loan EMI for 20 years in the DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹1 Crore	9.75% p.a.	20 years	₹94,852	₹1,27,64,480	₹2,27,64,480

1 Crore DCB Bank Home Loan – Fees and Charges

Here are the fees and charges in addition to the DCB Bank’s home loan interest rate of 1 crore:

Fee/Charge	Amount
Processing Fee	2% of the loan amount
Prepayment Charges	4% of the prepayment amount
Late Payment Panality	Applicable
Valuation Charges	Nil
Legal Charges	Nil
Stamp Duty and Registration	As per the state law

1 Crore DCB Bank Home Loan – Documents Required

Examine the necessary documents for the DCB Bank’s 1 crore home loan:

Mandatory Document	PAN Card
KYC Documents	Aadhaar Card, Election ID, Passport, Driving License, NREGA Card, or Letter issued by the national population register.
Salary Documents	Last 3-month salary slips, 2-year form 16, and 6-month bank statement
Business Documents	Last 3-year income tax returns, latest 2 GST returns, 1-year bank statement, etc.
Additional Documents	Processing fee cheque, latest passport size coloured photos, and duly filled application form.

1 Crore DCB Bank Home Loan – Eligibility Criteria

Following are the 1 crore home loan eligibility criteria in DCB Bank:

Age Limit	23 – 65 years old
Employment Status	Either salaried or self-employed individuals
Credit Score	Preferably 700 or higher
Nationality	Indian

Frequently Asked Questions (FAQs)

What is the EMI for a 1 crore home loan for 20 years in DCB Bank?

The expected EMI for a ₹1 crore home loan over 20 years at DCB Bank, with an annual interest rate of 9.75%, is ₹28,456.

Who is eligible for a 1 crore home loan in DCB Bank?

Both salaried and self-employed individuals are eligible for a 1 crore home loan at DCB Bank.

What is the monthly interest rate of a 1 crore home loan in DCB Bank?

The monthly interest rate for a 1 crore home loan in DCB Bank starts at 0.81%.

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