65 Lakh DCB Bank Home Loan

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The 65 lakh DCB Bank home loan is an ideal loan scheme option for individuals struggling to purchase their dream home due to financial constraints. With interest rates starting at 9.75% per annum and a loan tenure of up to 20 years, it is now easy to maintain finances and pay budget-friendly EMIs. The individual can avail of a loan of up to 5 crores and cover up to 90% of the property’s value. Continue reading to learn more about the 65 lakh DCB Bank home loan and calculate your EMI for tenures of 10 or 20 years.

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Table of Content

1. Key Highlights DCB Bank 65 Lakh Home Loan

2. DCB Bank 65 Lakh Home Loan Interest Rates

  • 2.1 Salaried Home Loan
  • 2.2 Self-Employed Home Loan

    • 3. 65 Lakh DCB Bank Home Loan 5 Years EMI

    4. 65 Lakh DCB Bank Home Loan 10 Years EMI

    5. 65 Lakh DCB Bank Home Loan 15 Years EMI

    6. 65 Lakh DCB Bank Home Loan 20 Years EMI

    7. 65 Lakh DCB Bank Home Loan Fees & Charges

    8. Documents Required for a 65 Lakh DCB Bank Home Loan

    9. 65 Lakh DCB Bank Home Loan Eligibility Criteria

    Read more
    Written By
    Satyam Sachdeva
    Satyam Sachdeva
    Satyam has always been interested in saving money and realising its worth. He created a Demat account when he turned 18 and has been a keen equity and mutual fund investor. Currently, a writer for Urban Money, he uses his skills to guide his readers in the right direction. Satyam strives to make financial complexities easy for everyone to understand with a pinch of creative salt.
    Reviewed By
    Amit Prakash Singh
    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.

    Key Highlights – DCB Bank 65 Lakh Home Loan

    If you are interested in exploring further the 65 lakh DCB Bank housing loan, refer to the table below to learn about its key highlights:

    Details Highlights
    Maximum Loan Amount INR 10 lakh to INR 5 crore
    Interest Rates Starting at 9.75% per annum
    Loan Tenure Up to 20 years
    Processing Fee Up to 2% of the loan amount
    LTV Ratio Financing covers up to 90% of the property’s purchase price
    Eligible Age Between 21 and 70

    DCB Bank 65 Lakh Home Loan Interest Rates

    Let us take a look at the 65 lakh DCB Bank home loan interest rate for salaried and self-employed individuals:

    Salaried Home Loan

    Loan Amount Interest Rate (% p.a.)
    Up to 10 Lakh 9.75 – 11.50
    10 Lakh – 15 Lakh 9.75 – 11.30
    15 Lakh – 20 Lakh 9.75 – 11.20
    20 Lakh – 30 Lakh 9.75 – 10.75
    30 Lakh – 50 Lakh 9.75 – 10.50
    50 Lakh – 75 Lakh 9.75 – 10.50
    Greater than 75 Lakh 9.75 – 10.50

    Self-Employed Home Loan

    Loan Amount Interest Rate (% p.a.)
    Up to 10 Lakh 9.75 – 14.50
    10 Lakh – 15 Lakh 9.75 – 13.50
    15 Lakh – 20 Lakh 9.75 – 13.00
    20 Lakh – 30 Lakh 9.75 – 12.00
    30 Lakh – 50 Lakh 9.75 – 10.75
    50 Lakh – 75 Lakh 9.75 – 10.75
    Greater than 75 Lakh 9.75 – 10.75

    65 Lakh DCB Bank Home Loan – 5 Years EMI

    The applicable EMI on a 65 lakh DCB Bank home loan at an interest rate of 10.75% annually for a tenure of 5 years is given in the table below:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 65 lakhs 10.75% 5 years ₹1,40,517 ₹19,31,002 ₹84,31,002

    65 Lakh DCB Bank Home Loan – 10 Years EMI

    The table below shows the applicable EMI for a 65 lakh loan from DCB Bank at 10.75% annual interest over 10 years.

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 65 lakhs 10.75% 10 years ₹88,620 ₹41,34,417 ₹1,06,34,417

    65 Lakh DCB Bank Home Loan – 15 Years EMI

    The table below shows the EMI for a 65 lakh home loan from DCB Bank at 10.75% interest over 15 years.

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 65 lakhs 10.75% 15 years ₹72,862 ₹66,15,091 ₹1,31,15,091

    65 Lakh DCB Bank Home Loan – 20 Years EMI

    The table below details the EMI for a 65 lakh home loan from DCB Bank at a 10.75% interest rate over 20 years:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 65 lakhs 10.75% 20 years ₹65,990 ₹93,37,572 ₹1,58,37,572

    65 Lakh DCB Bank Home Loan – Fees & Charges

    Refer to the table below to learn about the fees and charges on a 65 lakh DCB Bank home loan:

    Particulars Charges/Fee
    Processing Fee Up to 2% of the loan amount, minimum Rs. 5,000
    Annual Maintenance Charge Up to 1% on principal outstanding
    Prepayment Charges NIL for floating rate home loans
    Penal Interest (in case of default) 1% additional over the existing rate of interest
    Re-Pricing Charges Up to 1% of the outstanding loan amount, minimum Rs. 5,000
    Cheque Bounce Charge Rs. 750/- per event
    Property Document Retrieval Charge Rs. 500/- per event
    Loan Agreement Copy Rs. 500/- per event

    Documents Required for a 65 Lakh DCB Bank Home Loan

    The important documents to avail of a 65 lakh DCB Bank housing loan are given below:

    • Application Form: Completed and signed by all applicants.
    • Photographs: Latest passport-sized, signed by all applicants.
    • Mandatory Document: PAN Card.
    • Proof of Identity: Aadhar, Passport, Driving License, or Voter ID.
    • Proof of Address: Aadhar, Passport, Driving License, or Voter ID.
    • Bank Statement: Last 6 months for a salaried account.
    • Income Documents (Self-Employed): Latest 3-year ITRs, GST returns, and 1-year bank statement for business accounts.
    • Property Documents: Copies of all relevant property documents for the mortgage.

    65 Lakh DCB Bank Home Loan Eligibility Criteria

    The table below mentions the eligibility criteria that need to be met by an individual looking to avail of a 65 lakh DCB Bank home loan:

    Criteria Details
    Minimum Age 21 years
    Maximum Age Salaried: Retirement age + 5 years; Non-salaried: Up to 65 years
    Credit Score Must be above 700
    Employment Status Salaried, Self-employed Professional, or Self-employed Non-Professional

    Frequently Asked Questions (FAQs)

    What is the EMI for a 65 lakh DCB Bank home loan for 20 years?

    If a DCB Bank 65 lakh home loan is taken out at an interest rate of 10.75% per annum over a tenure of 20 years, the applicable EMI will be ₹65,990.

    Who is eligible for a 65 lakh DCB Bank home loan?

    The minimum age to avail of a 65 lakh DCB Bank home loan is 21; the maximum is retirement + 5 years for salaried or 65 years for non-salaried.

    What is the monthly interest rate of a 65 lakh DCB Bank home loan?

    The DCB Bank 65 lakh housing loan monthly interest rate starts at 0.81%.

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