45 Lakh DCB Bank Home Loan

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Bring your dream home to life. Whether you want to purchase or construct a home, DCB Bank’s 45 lakh home loan can be ideal. The bank ensures eligible applicants can secure up to 90% of the market value of their property. The interest rates start at just 9.75% per annum, which is among the best compared to other lenders in India, allowing you to save thousands of your hard-earned money over time. Urban Money provides a detailed overview of this remarkable credit option to help you achieve your aspiration for homeownership as soon as possible. We primarily discuss the 45 lakh home loan EMI in DCB Bank, eligibility, documentation, and associated fees. Let’s get started.

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Table of Content

1. 45 Lakh Home Loan DCB Bank Highlights

2. 45 Lakh Home Loan EMI for 5 Years DCB Bank

3. 45 Lakh Home Loan EMI for 10 Years DCB Bank

4. 45 Lakh Home Loan EMI for 15 Years DCB Bank

5. 45 Lakh Home Loan EMI for 20 Years DCB Bank

6. 45 Lakh DCB Bank Home Loan Fees and Charges

7. 45 Lakh DCB Bank Home Loan Documents Required

8. 45 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.

45 Lakh Home Loan DCB Bank – Highlights

The DCB Bank’s home loan interest rate for 45 lakhs and other key features are as follows:

Interest Rates	9.75% – 15.32% p.a.
Loan-To-Value (LTV) Ratio	90% of the property value
Loan Tenure	Up to 20 years
Eligibility	Salaried or self-employed individuals

45 Lakh Home Loan EMI for 5 Years DCB Bank

Let’s examine the 45 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
₹45 Lakhs	9.75% p.a.	5 years	₹95,059	₹12,03,540	₹57,03,540

45 Lakh Home Loan EMI for 10 Years DCB Bank

Have a close look at the 45 lakhs home loan EMI for 10 years from the DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹45 Lakhs	9.75% p.a.	10 years	₹58,847	₹25,61,640	₹70,61,640

45 Lakh Home Loan EMI for 15 Years DCB Bank

The DCB Bank’s home loan 45 lakhs EMI rates and amount for a tenure of 15 years are given below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹45 Lakhs	9.75% p.a.	15 years	₹47,671	₹40,80,780	₹85,80,780

45 Lakh Home Loan EMI for 20 Years DCB Bank

Below mentioned are the 45 lakhs home loan EMI for 20 years from the DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹45 Lakhs	9.75% p.a.	20 years	₹42,683	₹57,43,920	₹1,02,43,920

45 Lakh DCB Bank Home Loan – Fees and Charges

Beyond the DCB Bank’s home loan interest rate of 45 lakhs, there are certain fees and charges you should know:

Fee/Charge	Amount
Processing Fee	2% of the loan amount
Prepayment Charges	4% of the prepayment amount
Late Payment Panality	As per the bank’s discretion
Valuation Charges	Nil
Legal Charges	Nil
Stamp Duty and Registration	At actual

45 Lakh DCB Bank Home Loan – Documents Required

Let’s examine the applicable documents for the DCB Bank‘s 45 lakh home loan:

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

45 Lakh DCB Bank Home Loan – Eligibility Criteria

Below are the 45 lakh home loan eligibility criteria in DCB Bank:

Age Requirement	You must be aged between 23 – 65 years old.
Employment Status	You must be either a salaried or self-employed individual.
Credit Score	You must have a good credit score, Preferably 700 or higher.
Nationality	You must be an Indian citizen.

Frequently Asked Questions (FAQs)

What is the EMI for a 45 lakh home loan for 20 years in DCB Bank?

₹42,683 is the estimated EMI for a 45 lakh home loan over 20 years at DCB Bank, subject to an annual interest rate of 9.75%.

Who is eligible for a 45 lakh home loan in DCB Bank?

Both salaried and self-employed individuals are eligible for a 45 lakh home loan at DCB Bank.

What is the monthly interest rate of a 45 lakh home loan in DCB Bank?

The monthly interest rate for a 45 lakh home loan in DCB Bank starts at 0.81%.

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