4 Crore DCB Bank Home Loan

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DCB Bank's ₹4 Crore home loan is a great financing choice for those wishing to buy their dream home. Self-employed and salaried individuals can apply for this loan, which has competitive interest rates starting at 9.75% per year. By offering borrowers a repayment schedule of up to 30 years, DCB Bank makes homeownership more accessible and affordable. Furthermore, the bank ensures that clients can achieve their home goals with the fewest upfront costs by financing up to 90% of the property's value.

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Table of Content

1. 4 Crores Home Loan DCB Bank Highlights

2. 4 Crores Home Loan EMI for 5 Years DCB Bank

3. 4 Crores Home Loan EMI for 10 Years DCB Bank

4. 4 Crores Home Loan EMI for 15 Years DCB Bank

5. 4 Crores Home Loan EMI for 20 Years DCB Bank

6. 4 Crores Home Loan EMI for 25 Years DCB Bank

7. 4 Crores DCB Bank Home Loan Fees and Charges

8. 4 Crores DCB Bank Home Loan Documents Required

9. 4 Crores DCB Bank Home Loan Eligibility Criteria

Written By

Rishabh Baisoy

With a background in journalism and mass communications, Rishabh might be clueless about his plans for the evening, but he clearly knows what to write. A proud cinephile, Rishabh makes the perfect choice to discuss any movie with. Poetry holds a special place in his heart, which mingles well with his wanderlust personality. While he physically exists in India, his heart beats for the red part of Merseyside. Rishabh educates and empowers readers towards financial success at Urban Money.

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.

₹4 Crores Home Loan DCB Bank – Highlights

Here are DCB Bank home loan interest rates for ₹4 Crores, along with highlights:

Feature	Details
Loan Amount	₹4 Crore
Interest Rate	Salaried: 9.75% to 10.50% per annum Self Employed: 9.75% to 10.75% per annum
Eligibility	Applicant should be a minimum of 21 years old
Benefit	No prepayment charges

₹4 Crores Home Loan EMI for 5 Years DCB Bank

DCB Bank’s housing loan EMI for ₹4 Crores is mentioned below in detail:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹4 Crores	10.50% p.a.	5 years	₹8,44,970	₹1,06,98,185	₹5,06,98,185

₹4 Crores Home Loan EMI for 10 Years DCB Bank

Here are the ₹4 Crores home loan EMI for 10 years from the DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹4 Crores	10.50% p.a.	10 years	₹5,23,081	₹2,27,69,716	₹6,27,69,716

₹4 Crores Home Loan EMI for 15 Years DCB Bank

For an amount of ₹4 Crores, the EMI for 15 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹4 Crores	10.50% p.a.	15 years	₹4,23,745	₹3,62,74,112	₹7,62,74,112

₹4 Crores Home Loan EMI for 20 Years DCB Bank

₹4 Crores home loan EMI for 20 years DCB Bank is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹4 Crores	8.85% p.a.	20 years	₹3,79,407	₹5,10,57,618	₹9,10,57,618

₹4 Crores Home Loan EMI for 25 Years DCB Bank

DCB Bank home loan of ₹4 Crores EMI for 25 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹4 Crores	8.85% p.a.	25 years	₹3,56,455	₹6,69,36,490	₹10,69,36,490

₹4 Crores DCB Bank Home Loan – Fees and Charges

When applying for a home loan, various charges and fees need to be considered. These charges include processing fees, annual maintenance charges, and penalties for late payments.. For instance, the processing fee for a home loan application can go up to 2% of the loan amount, with a minimum charge of ₹5,000. Additionally, no charges are applied for prepayment or part prepayment within specific conditions. The penalty for late payments incurs an additional 1% over the existing interest rate.

Here are some additional fees and charges for ₹4 Crores DCB Bank Home Loan:

Charge Type	Description	Amount/Rate
Annual Maintenance Charge	Yearly fee on the remaining principal amount	Up to 1% on principal outstanding
Prepayment Charges	Fee for repaying the loan before the end of the term	NIL for floating-rate loans
Part Prepayment Charges	Charge for making partial payments within the first 6 months	NIL
Full Prepayment Charges	Fee for paying off the entire loan within one year	NIL
Swap Charge for Cheque/ECS	Fee for swapping cheques or ECS mandates	₹500 per event
Document Retrieval Charge	Fee for retrieving property documents	₹500 per event

₹4 Crores DCB Bank Home Loan – Documents Required

It is essential to have the following documents handy if you wish to avail of a 4 crores DCB Bank’s home loan:

Document Type	Details	Required For
Application Form	Filled application form with a recent passport-sized photograph signed across	Salaried and Self-Employed
Photo ID Proof	Aadhaar card, passport, PAN card, voter ID, driving licence, NREGA card, letter from NPR	Salaried and Self-Employed
Address Proof	Aadhaar card, passport, voter ID, driving licence, NREGA card, letter from NPR	Salaried and Self-Employed
Age Proof	Birth Certificate, Government ID card, LIC policy, School Leaving Certificate, Aadhaar, PAN, Passport	Salaried and Self-Employed
Existing Loan Details	Information on all existing loan accounts	Salaried and Self-Employed
Processing Fee Cheque	A cheque for the processing fee	Salaried and Self-Employed
Bank Statements	Last 6 months’ salary account statement (Salaried) or last 1 year’s business account (Self-Employed)	Salaried or Self-Employed
Salary Slips	Salary slips/certificates for the last 3 months	Salaried Only
Form 16	Last 2 years’ Form 16, appointment letter, and supporting documents	Salaried Only
IT Returns	Last 3 years’ ITR with the income computation	Self-Employed Only
GST Returns	Recent 2 GST returns	Self-Employed Only
Trade License	Trade or statutory license	Self-Employed Only
Qualification Proof	Highest qualification degree for professionals	Self-Employed Only

₹4 Crores DCB Bank Home Loan – Eligibility Criteria

These are the eligibility criteria that applicants must follow to get an amount of ₹4 Crores from the DCB Bank’s Home Loan criterai:

Criteria	Details
Employment	Salaried, self-employed professionals and self-employed non-professionals can apply.
Minimum Age	21 years
Maximum Age (Salaried)	5 years after retirement
Maximum Age (Self-Employed)	65 years
Credit Score Requirement	A credit score above 700 is required for eligibility.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹4 Crores Home Loan for 20 years in the DCB Bank?

The EMI for a ₹4 crore home loan at 9.75% p.a. over 20 years is approximately ₹3,59,896.

Who is eligible for a ₹4 Crores Home Loan in the DCB Bank?

Salaried and self-employed individuals aged 21 to 70 years with a stable income are eligible.

What is the monthly interest rate of a ₹4 Crores home loan in the DCB Bank?

The monthly interest rate for a ₹4 crore home loan at 9.75% p.a. is 0.8125%.

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