5 Crore DCB Bank Home Loan

DCB Bank's ₹5 Crore Home Loan provides a convenient and flexible financing option for purchasing premium homes. This loan is suitable for salaried and self-employed individuals, offering reasonable interest rates, flexible repayment alternatives, and simple eligibility requirements. DCB Bank provides a smooth loan application process, making it an excellent choice for those looking for high-value house loans to realise their dream of owning a magnificent home.

₹5 Crore Home Loan DCB Bank – Highlights

Here are DCB Bank’s home loan interest rates for ₹5 Crores, along with highlights:

₹5 Crore Home Loan EMI for 5 Years DCB Bank 

DCB Bank’s housing loan EMI for ₹5 Crores is mentioned below in detail:

₹5 Crore Home Loan EMI for 10 Years DCB Bank 

Here are the ₹5 Crore home loan EMI for 10 years from the DCB Bank:

₹5 Crore Home Loan EMI for 15 Years DCB Bank

For an amount of ₹5 Crores, the EMI for 15 years is as follows:

₹5 Crore Home Loan EMI for 20 Years DCB Bank

₹5 Crore home loan EMI for 20 years from the DCB Bank is as follows:

₹5 Crore Home Loan EMI for 25 Years DCB Bank 

DCB Bank’s home loan of ₹5 Crores EMI for 25 years is as follows:

₹5 Crore DCB Bank Home Loan – Fees and Charges 

Here are the charges for ₹5 Crore DCB Bank’s Home Loan:

1. Processing Fee: This fee is charged when processing the loan application. It can be up to 2% of the loan amount, with a minimum charge of ₹5,000.
2. Annual Maintenance Charge: Borrowers may be required to pay a yearly fee based on the remaining loan principal. This can be up to 1% of the outstanding principal.
3. Prepayment and Part Prepayment Charges

• No prepayment charges apply for floating-rate loans, meaning borrowers can repay the loan early without additional fees.
• No charge is levied for partial prepayments made within the first 6 months.
• If the loan has a mix of fixed and floating rates, partial payments of up to 25% of the outstanding principal are free of charge.

4. Full Prepayment Charges: No charge is applied if the borrower chooses to pay off the entire loan within one year.

Additional Fees

• Penalty for Late Payments: If the borrower defaults on payments, an additional 1% over the existing interest rate is charged.
• Re-Pricing Charges: A fee of up to 1% of the outstanding loan amount, with a minimum of ₹5,000, applies for re-pricing the loan.
• Penal Interest: A penalty of 3% per month is charged on overdue amounts.
• Cheque/ECS Swap Charge: When swapping cheques or ECS mandates, a fee of ₹500 per event is charged.
• Document Retrieval Charge: Retrieving property documents costs ₹500 per event.
• Cheque Bounce Charge: For each bounced cheque, ₹750 is charged.

₹5 Crore DCB Bank Home Loan – Documents Required

The following are the documents required for ₹5 Crore DCB Bank Home Loan:

Documents Required for Salaried Applicants

Documents Required for Self-Employed Applicants

Additional Documents for Non-Individual Applicants

₹5 Crore DCB Bank Home Loan – Eligibility Criteria

The following are the criteria for  ₹5 Crores home loan eligibility at DCB Bank: