Home Loans Made Easy
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
- Enjoy doorstep service and a wide range of home loan products
- Experienced personnel who will guide you throughout and ensure smooth and secure processing of your loan application
- Simplified documentation and faster approvals
- Loan approval even before a property is selected
- Attractive interest rates with affordable repayments options
- Transparent processes with zero hidden cost
- 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.

*Terms & conditions apply.
Interest Rates
Interest Rates * | HDFC Ltd. | PNB Housing Finance |
---|---|---|
Home Loans | Starting from 6.70% | Starting from 7.20% |
Loan Against Property | Starting from 7.35% | Starting from 8.90% |
Benchmark Rate | HDFC’s Retail Prime Lending Rate | PNB Housing Fin’s PNBHFR |
* Conditions apply. The above rates are subject to change without prior notice.
How to Apply for a Home Loan
Frequently Asked Questions
How do Home Loans work?
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.
What type of home loans are available?
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.
How is the final home loan eligibility amount decided?
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.
What is an EMI?
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.
What does 'Encumbrance' mean?
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.
What does 'Own Contribution' mean?
Own contribution refers to the percentage of the cost of the property you need to pay from your pocket.
What is a Home Improvement Loan?
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.
What is a Home Extension Loan?
A home extension loan is for those who want to expand or add more living space to their homes.
What are top-up loans?
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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