DBS Bank Home Loan

The DBS Bank Home Loan is a tailored financial solution designed to make homeownership accessible and affordable. It provides competitive interest rates, substantial loan amounts of up to ₹7.5 Crores, and flexible repayment tenures of up to 25 years, allowing you to customise your loan according to your financial needs. With straightforward eligibility requirements and a hassle-free application process, this home loan empowers you to realise your dream of owning a home while managing your finances effectively.

Use the DBS Bank Home Loan EMI Calculator to easily estimate your monthly instalments based on the loan amount, interest rate, and repayment tenure. This helps you plan your budget and understand your repayment schedule before applying. 

The calculator provides a clear view of how much you need to pay each month and the total interest payable over the loan tenure. It makes comparing different loan amounts, tenures, and interest rates easier, helping you choose the best option for your financial plan.

To apply for a DBS Bank Home Loan, you need to meet the following eligibility requirements:

• Age: Minimum of 21 years at the time of application

• Nationality: Available for Indian citizens

• Employment: At least 2 years of work experience for salaried individuals and 2–3 years of business stability for self-employed applicants

• Income: A stable and sufficient income to ensure timely repayment of the loan

• Credit History: A good credit score and repayment track record to qualify for favourable terms

The documents required for all applicants are as follows:

• Identity and Address Proof: PAN card, Passport, Voter ID, Aadhaar (masked), or recent utility bills

• Photographs: Recent passport-sized photographs of the applicant

For Salaried Applicants:

• Income Proof: Last 3 months’ salary slips, 6 months’ bank statements, and Income Tax Returns for the past 2 years

For Self-Employed Applicants:

• Income Proof: Income Tax Returns for the past 2 years, audited balance sheets, and profit & loss statements

• Business Continuity Proof: Relevant documents to demonstrate business continuity for 2–3 years

• Property Documents: Proof of ownership, title deed, and approved building plans for the property being financed

Currently, DBS offers two types of home loan schemes other than the regular home loan scheme. These two schemes are:

1. DBS Home Loan Against Property

A secured financing option, the funding you receive from this scheme can be put towards various needs, both personal and business. Generally offered at a lower interest rate than unsecured loans, this loan can give you 65% of the home value as a loan. 

2. DBS Affordable Housing Loan

This scheme helps you buy, extend, or renovate your home with flexible terms and competitive interest rates. You can borrow up to ₹35 Lakhs. The loan also covers top-up needs and balance transfers from other banks. It comes with no hidden charges and a simple, transparent process.

To apply for the DBS Bank Home Loan online, you can follow these simple steps. 

1. Visit the official DBS Bank webpage

2. Hover over ‘Borrow’, choose ‘Mortgages’, and then click on ‘Home Loan’

3. Click on the ‘Apply Now’ button

4. Fill out the simple online form with basic information

5. Tick the box, giving consent to the lender to contact you and click on ‘Apply Now’

6. Proceed with the online loan application process and submit the documents

You can check the status of your DBS Bank Home Loan using any of the following methods:

Customer Care

1. Call DBS Bank customer care at 1800-209-4555 or 1860-267-1234

2. Provide your loan application or account details to the representative

3. Request the status of your home loan application

4. Get the details shared with you over a phone call or via your registered contact information

Branch Visit

1. Go to your nearest DBS Bank branch

2. Carry your loan application number or account details

3. Meet a relationship manager at the branch

4. Get updates on your home loan application status

You can view or download your statement using the following methods:

Online Mobile Banking

1. Sign in to the DBS mobile banking app or visit the bank’s Net Banking portal

2. Select the ‘e-bank statement’ or ‘e-passbook’ option from the menu

3. Enter the statement period to view debit and credit transactions for the chosen time frame

4. Choose to download the statement or have it sent to your registered email address

Customer Care

1. Call DBS Bank customer care at 1800-209-4555 or 1860-267-1234

2. Provide your loan account details to the representative

3. Request your home loan statement for the required period

4. Receive the statement through your registered email ID or postal address

Email

1. Send an email request to customercareindia@dbs.com

2. Mention your loan account number and registered contact details

3. Specify the statement period you want to access

4. Receive the statement directly in your registered email inbox

DBS Bank provides customer care services to assist its customers with their banking needs. You can reach out to DBS Bank's customer care at their email (customercareindia@dbs.com) or call the following numbers: 

• If calling from India: 1800-209-4555 or 1860-267-1234

• If calling from abroad: +91 44 6685 4555

DBS Bank provides flexible repayment options to help you manage your home loan effectively. These options are designed to suit different financial needs and offer convenience throughout the loan tenure.

• Equated Monthly Instalments (EMIs)

Repay your home loan through fixed monthly instalments that include both principal and interest components. This structured repayment plan ensures predictability and helps you manage your finances with ease over the chosen tenure.

• Flexible Tenure

You can select a repayment period that aligns with your budget and long-term financial goals. DBS Bank offers loan tenures of up to 25 years, giving you the flexibility to choose between shorter terms with higher EMIs or longer terms with lower EMIs.

• Part Prepayment / Top-Up Facility

Reduce your interest burden by making part-prepayments or by fully prepaying your loan when you have surplus funds. Additionally, you may opt for a top-up loan on your existing home loan to access extra funds without going through a fresh loan application process.

• Online and Mobile Repayment

Manage your repayments conveniently through DBS Bank’s mobile banking app or Net Banking portal. These platforms allow you to make payments securely and at any time, providing a seamless and hassle-free repayment experience.

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