If you wish to buy your dream home or renovate your existing one, our home loan offers make everything possible. With attractive interest rates, quick processing, secure repayment options, and transparent charges, digibank by DBS home loan offer is the best way to turn your dream into a reality.

digibank offer you attractive interest rates from two of India's leading Housing Finance companies - HDFC Ltd & PNB Housing.

 

Key Features of digibank Home Loan

  1. Enjoy doorstep service and a wide range of home loan products
  2. Experienced personnel who will guide you throughout and ensure smooth and secure processing of your loan application
  3. Simplified documentation and faster approvals
  4. Loan approval even before a property is selected
  5. Attractive interest rates with affordable repayments options
  6. Transparent processes with zero hidden cost
  7. Free & safe document storage
 

Reasons for Availing a Home Loan

New Home: If you want to purchase a new home or construct one, select our home loan.

Home Improvement: Give your home a luxurious upgrade or renovate as per your lifestyle requirement, all achievable very quickly with our home loan offers

Home Extension: You can expand and add more space to your existing home

Home Loan Balance Transfer: Transfer your existing high-interest home loan

Top-Up Loan: Avail a loan against your existing property to fund your financial needs. Whether it's for higher education, marriage or medical expenses, apply online and let us take care of the rest

 

Documents Required for a Home Loan

Documentation

Salaried

Self Employed – Professional

Self Employed - Business

Home Loan Application form

Submit your application for the housing loan along with a recent photograph

KYC Documents

Proof of identity/ Residence / Signature

Income Proof

Salary slips for the past three months

Proof of educational qualification and business existence

 

You will also need to submit Form 16 / filed income tax returns for the past three years

Income tax returns for the past three years (self & business), profit/loss statement and balance sheet for the past three years

Your business profile/ income tax returns for the past three years (self & business), profit/loss statement & balance sheet for the past three years

Bank Statements

Your bank statements for the past six months

Processing Fee (PF)

Payment for the processing fee in the form of a cheque

Property Documents

You will also need to submit title documents of the property for which you've applied for a loan. Along with that, you will also need to present an approved building plan.


# The above list is only indicative of the requirements. The final list of documents needed for the Home Loan will be known to you at the time of submitting your loan application.

*Conditions Apply. Rates are subject to change without prior notice.

 

Home Loan EMI Calculator

Make the monthly home loan instalments calculation easy.

Calculate


*Terms & conditions apply.

 

Interest Rates

Interest Rates *HDFC Ltd.PNB Housing Finance
Home LoansStarting from 7.85%Starting from 8.40%
Loan Against PropertyStarting from 9.50%Starting from 9.50%
Benchmark RateHDFC’s Retail Prime Lending RatePNB Housing Fin’s PNBHFR


* Conditions apply. The above rates are subject to change without prior notice.

 

How to Apply for a Home Loan

Apply now
Get started with your home loan application.
 

Frequently Asked Questions

Home loans provide you with the opportunity buy your dream home. This principle amount is repayable to the bank along with interest for the tenure of the loan. The loan can be repaid in EMIs (equated monthly instalments), thus making your dream of owning your own home secure and accessible.


You can choose from a range of home loan products. Whether you want to purchase a new house or build one, renovate your existing home or even extend it, it's all possible. We also offer top-up loans against your housing property so you can get the funding you need without any hassle.


Your home loan eligibility is largely determined by your income and repayment capacity. Other important factors include your age, qualification, number of dependents, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.


An EMI is an 'equated monthly instalment'. In simpler terms, it is the amount you will pay each month on a specific date until the loan amount is repaid in its entirety.


When someone refers to an 'Encumbrance' on a property, they are talking about claims or charges pending on the property due to unpaid loans and bills. It is advisable to apply for a home loan for properties that are free of encumbrances of any sort.


Own contribution refers to the percentage of the cost of the property you need to pay from your pocket.


A home improvement loan is a type of loan for those who want to renovate/ improve or upgrade their property. It can be for things like tiling, flooring, painting etc.


A home extension loan is for those who want to expand or add more living space to their homes.


Top-up loans are loans against a property you own. These loans can be availed for several reasons like higher education, marriage, medical expenses etc.

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