Bring your dream home to life with ease. DBS Bank’s Affordable Housing Loan offers flexible terms and competitive interest rates-whether you're buying a new home or making repairs. Enjoy full transparency with no hidden charges and a simple, hassle-free application process that you can start even before finalizing a property.
Wide Product Coverage.
Build your dream home with DBS Bank by applying for home loans between ₹3 lakh - 35 lakhs* for individuals to purchase (fresh/resale), Home Extension, Home Renovation and Repairs, Top Up or Balance Transfer of your existing high cost housing loan to DBS Bank.
Quick & Hassle-free Process
With DBS Bank, you can get a home loan even before finalizing a property. The application process is quick and convenient, transparent and hassle free.
Automated EMI Repayment
Never miss your EMI due date by setting up standing instructions to automatically repay your home loan EMIs directly from your DBS Bank Savings account.
Enjoy Attractive Interest Rates, With No Hidden Charges
Applicant should be either a salaried individual, self-employed professional or business owner, with a stable source of income.
Tax Benefits
Enjoy income tax deductions under Section 80C and Section 24 when availing Affordable Housing Loans, maximizing your savings.
Planning for your affordable home loan can keep you one step ahead in managing your personal finances. Estimate monthly EMIs using the Housing Loan EMI Calculator to make informed decisions.
To ensure a smooth affordable home loan approval process, applicants must meet certain eligibility criteria and submit the required documents based on their employment and income profile.
Note: Applicants may apply with or without traditional income proof, subject to the bank’s internal assessment and property eligibility.
You can choose from the following options to apply for affordable housing finance with DBS Bank:
DBS Bank ensures complete transparency when availing an Affordable Housing Loan.
For detailed insights into DBS Bank Affordable Housing Loan interest rates click here.
For detailed insights into DBS Bank affordable housing fees and charges click here.
Additional documents may be requested during the loan process.
Access flexible financing with DBS Bank Personal Loan to fulfil your immediate needs without the hassle.
Leverage your real estate assets to secure a long-term loan of up to ₹1Cr with DBS Bank Consumer Loan Against Property (C-LAP).
The DBS Affordable Housing Loan is designed for individuals across diverse employment types, including SMEs, family-run businesses, and blue-collar jobs. It doesn’t require formal income proof and allows preapproval before property selection. In contrast, the regular DBS Bank Home Loan is for applicants with stable, documented incomes. Each loan serves different needs, depending on the borrower’s financial situation and employment type.
The minimum loan amount offered under DBS Bank Affordable Housing Loan scheme is Rs. 3 lakh, while the maximum loan amount provided is up to Rs. 35 lakh.
For a quick view on the interest rates of DBS Bank Affordable Housing Loan Click here. - To be linked to the interest page
At DBS Bank we allow our customers to repay their home loans as per their income and repayment capability. The tenure for our subsidized housing loan is up to 25 years. If you want your EMIs to be on the lower side, you can choose a higher home loan tenure and vice-versa.
A DBS Bank Affordable Housing Loan covers it all - whether you're buying a new or resale property, renovating, extending, or repairing your home. If you need extra funds, you can also apply for a Top-Up loan conveniently.