30 Lakh DCB Bank Home Loan

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Taking a ₹30 lakh home loan from DCB Bank is a big financial decision. To ensure that you’re making the right choice, it’s essential to understand how your EMI (Equated Monthly Installment) will impact your monthly budget. Hence, we will help you calculate the 30 lakh home loan EMI DCB Bank, giving you a clear picture of what to expect. We will also outline the current interest rates, eligibility criteria, required documents, and associated fees, empowering you to make a more informed decision. Let’s scroll down for more detailed information.

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Table of Content

1. 30 Lakh Home Loan DCB Bank Highlights

2. 30 Lakh Home Loan EMI for 5 Years DCB Bank

3. 30 Lakh Home Loan EMI for 10 Years DCB Bank

4. 30 Lakh Home Loan EMI for 15 Years DCB Bank

5. 30 Lakh Home Loan EMI for 20 Years DCB Bank

6. 30 Lakh DCB Bank Home Loan Fees and Charges

7. 30 Lakh DCB Bank Home Loan Documents Required

8. 30 Lakh 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.

30 Lakh Home Loan DCB Bank – Highlights

Have a close look at the DCB Bank home loan interest rate for 30 lakhs and other key features:

Interest Rates	9.75% – 15.32% per annum
Loan Amount	Up to 90% of the property value
Loan Tenure	20 years or 65 years, whichever comes earlier
Eligibility	Applicable to both salaried and self-employed individuals

30 Lakh Home Loan EMI for 5 Years DCB Bank

Here is the interest rate for a 30 lakh 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
₹30 Lakh	9.75% p.a.	5 years	₹63,373	₹8,02,380	₹38,02,380

30 Lakh Home Loan EMI for 10 Years DCB Bank

Following are the 30 lakh home loan EMI for 10 years from DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakh	9.75% p.a.	10 years	₹39,231	₹17,07,720	₹47,07,720

30 Lakh Home Loan EMI for 15 Years DCB Bank

Let’s examine the DCB Bank home loan 30 lakh EMI amount for a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakh	9.75% p.a.	15 years	₹31,781	₹27,20,580	₹57,20,580

30 Lakh Home Loan EMI for 20 Years DCB Bank

Here is the 30 lakh home loan EMI for 20 years from the DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakh	9.75% p.a.	20 years	₹28,456	₹38,29,440	₹68,29,440

30 Lakh DCB Bank Home Loan – Fees and Charges

Have a close look at the applicable fees and charges in addition to the DCB Bank home loan interest rate of 30 lakh:

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

30 Lakh DCB Bank Home Loan – Documents Required

Below are the required documents for the DCB Bank 30 lakh 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.

30 Lakh DCB Bank Home Loan – Eligibility Criteria

Let’s examine the 30 lakh home loan eligibility 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 (FAQ)

What is the EMI for a 30 lakh home loan for 20 years in DCB Bank?

The expected EMI for a ₹30 lakh home loan over 20 years at DCB Bank, with an annual interest rate of 9.75%, is ₹28,456.

Who is eligible for a 30 lakh home loan in DCB Bank?

Both salaried and self-employed individuals are eligible for a 30 lakh home loan at DCB Bank.

What is the monthly interest rate of a 30 lakh home loan in DCB Bank?

The monthly interest rate for a 30 lakh home loan in DCB Bank starts at 0.81%.

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