25 Lakh Deutsche Bank Home Loan

Deutsche Bank’s ₹25 lakh home loan is a top choice for anyone aiming to buy or renovate a home in a reputable society. As highlighted by Urban Money, this loan offers huge benefits to all borrowers with flexible repayment terms, minimal eligibility requirements and low administrative fees. The bank allows for a loan tenure of up to 20 years and provides reduced interest rates, starting at 8.50%. Any citizen of India can also avail of the favourable balance transfer options for the ₹25 lakh home loan from Deutsche Bank. Check out the blog below for a full breakdown of the loan details and EMI calculations for different tenures.

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Written By
Bhavya Kamra
Bhavya Kamra
With a background in commerce and a strong affinity for numbers, Bhavya is dedicated to delivering accurate financial insights in her blog. She avidly reads finance magazines and articles to stay updated on the latest market trends. Currently crafting content for Urban Money, Bhavya aims to offer practical financial tips and simplify complex subjects into easy-to-understand steps.
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.

25 Lakh Home Loan Deutsche Bank – Highlights

Here are some of the important features of the Deutsche Bank’s ₹25 lakh home loan, which will help you compare it with other financial options:

Feature Details
Loan Amount ₹25 Crores, with 75% LTV
Interest Rates Ranges from 8.50% to 8.90%, depending on the CIBIL score of the applicant
Loan Tenure 5 to 20 years, to be decided by the applicant
EMI  On a daily reducing balance basis
Documentation Minimal documents to prove the borrowers’ repayment capabilities, identity and residence

25 Lakh Home Loan EMI For 5 Years Deutsche Bank

Here is the EMI estimate and interest payable for a ₹25 lakh home loan from Deutsche Bank at an interest rate of 8.50%: 

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 25 lakh 8.50% p.a. Five years ₹51,291 ₹5,77,460 ₹30,77,460

25 Lakh Home Loan EMI For 10 Years Deutsche Bank

If you’re planning to repay your ₹25 lakh home loan from Deutsche Bank within ten years, here are the estimated EMIs and total interest payments:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 25 lakh 8.50% p.a. Ten years ₹30,996 ₹12,19,520 ₹37,19,520

25 Lakh Home Loan EMI For 15 Years Deutsche Bank

For a 15-year tenure, the estimated EMI for Deutsche Bank’s ₹25 lakh home loan at an interest rate of 8.50% is:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 25 lakh 8.50% p.a. Ten years ₹24,618 ₹19,31,240 ₹44,31,240

25 Lakh Home Loan EMI For 20 Years Deutsche Bank

For a ₹25 lakh home loan from Deutsche Bank over 20 years, the estimated EMI and total interest payments are approximate-

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 25 lakh 8.50% p.a. 20 years ₹21,696 ₹27,07,040 ₹52,07,040

25 Lakh Deutsche Bank Home Loan – Fees And Charges

Here are some of the charges applicable on a 25 Lakh Deutsche Bank Home Loan:

Charge Type Details
Administrative Fees 1% of the total loan amount
Prepayment Charges – Floating Interest Rates: No charges

– Fixed Interest Rates: 2.50% of the total outstanding payment

Part-Payment Charges 2.50% of the loan amount prepaid
Standing Instruction Non-compliance ₹500
EMI Overdue 2% of the EMI amount
Repayment Mandates 0.05% of the loan sanction amount
Property Insurance 0.05% of the loan sanction amount annually for non-submission of a valid policy
ROC Charge Creation 0.05% of the loan sanction amount for delayed charge creation
Stamp Duty As per state regulations
ECS/NACH/SI Swap Fees ₹500
Document Retrieval Fees ₹500
Taxes and Levies As applicable

25 Lakh Deutsche Bank Home Loan – Documents Required

The documents required to apply for a 25 Lakh Home Loan from Deutsche Bank are:

For Salaried and Self-Employed Individuals:

  • Passport
  • PAN Card
  • Voter ID Card
  • Driving License
  • NREGA Job Card signed by a government official
  • Aadhar Card
  • Banker’s Certificate

Only for Salaried Employees:

  • Last three months’ salary slips
  • Form 16 or ITR
  • HR Certificate for all allowances and reimbursements
  • The last six months’ bank statements
  • Loan Closure Letter for previous debts

Only for Self-Employed Individuals:

  • The last two years ITR
  • Proof of business continuity for the previous three years
  • The last six months’ bank statements
  • Description of the nature of business
  • Profit and Loss statement and Balance Sheet for the previous two years

25 Lakh Deutsche Bank Home Loan – Eligibility Criteria

The individuals eligible for a 25 Lakh Home Loan from Deutsche Bank are:

  • Salaried and Salaried Employees 
  • Between the ages of 23 and 65 
  • Income of INR 500,000

Frequently Asked Questions (FAQs)

What is the EMI for a 25 Lakh Home Loan for 20 years in Deutsche Bank?

For a 20-year home loan at an 8.50% interest rate, the EMI from Deutsche Bank is ₹21,696

Who is eligible for a 25 Lakh Home loan in Deutsche Bank?

Any applicant between the ages of 23 and 65 who earns more than INR 500,000 can apply for the 25 Lakh Home Loan. 

What is the monthly interest rate of a 25 Lakh home loan in Deutsche Bank?

The Deutsche Bank's interest rate for a 25 Lakh Home Loan ranges between 8.50% and 8.70%, with an average of 8.62%. 

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