Apply Now


At a Glance

A Loan Against Property can be taken for various purposes such as personal or business needs. You can avail of this loan by keeping your existing residential property as a collateral with DBS Bank.

Since a loan against property is a secured loan, you will pay a lower interest rate than other unsecured loans.



Interest rates starting from 8.15%* p.a.: Avail competitive interest rates on your Loan Against Property with DBS Treasures.

Lower Processing Fees: As a valued DBS Treasures customer, you can avail the loan at an attractive fee of only up to 1%.

Accessible funding: You can avail a loan up to 65% of the market value of a residential property.

Increased payment flexibility: Competitive interest rates, coupled with lower EMIs, give you the repayment flexibility you want.

Hassle-free processing: When you take a loan against property from DBS Treasures, our mortgage specialist takes charge to ensure smooth and easy processing.

Apply Now



Funds are available for multiple purposes: Do you have a big-ticket personal expense lined up or a planned business expansion that needs a cash infusion? A loan against property can help meet those needs and many more.

You decide the tenure: You have a lot more control in deciding how short or long your loan tenure can be. With a maximum limit of 15 years, you have complete flexibility over a loan repayment.

You continue to own the property: The loan against property ensures that you retain ownership rights throughout the tenure and after successful closure of your loan. It allows you to benefit from your asset's potential.


Documents Required

To apply for a loan against property, you need to submit the following documents for all applicants / co-applicants along with the completed and signed Mortgage Application Form.

Identity Proof and Residence Proof (KYC)

  • PAN Card (Mandatory document for KYC)
  • Passport
  • Voters ID
  • Driving License
  • Aadhaar Card (Aadhaar number to be masked)

Apply Now

Income Proof Documents

For salaried professionals, the documents needed are:

  • Last 3 months' Salary Slips
  • Last 6 months' Bank Statements, showing salary credits
  • Last 2 years Form-16 and IT returns

For self-employed professionals, the requirements differ slightly:

  • Income Tax Returns / Assessment orders for the last two years with computation of income (including e-acknowledgement) certified by a CA
  • Audited Balance Sheet & Profit & Loss account along with Auditor's report and all annexures
  • Secondary income proofs if any (rental, dividend, interest, etc.)
  • Last 6 months' Bank Statements (all bank accounts)

Property Documents

  • Title Deeds with all the previous chains of property documents / agreements
  • Occupancy Certificate or CC and approved plan
  • Proof of no encumbrances on the property

Other important documents

  • Property purchase payment receipt proof
  • Appointment Letter or Employment Contract in cases where the current employment is less than a year old.
  • Proof of professional qualifications - certificates to be furnished by self-employed professionals.
  • A repayment track record for all ongoing loans - last 6 months.
  • Declaration and documents stating the end use of the loan.
  • Passport size photograph for all applicants along with application form with a signature across the form and photograph.
  • A cheque for processing fee favouring DBS Bank India Limited - Name of the Applicant.

The list of documents mentioned above are indicative and acceptance of these documents is based on DBS Bank's credit policy as applicable at the time of loan application. For more details, you can speak to your Relationship Manager (RM) or visit the nearest branch.


How to Apply

Apply Now   A Relationship Manager will reach out to you shortly.

Loan Against Property offered in Mumbai, Delhi, Pune, Bengaluru, Chennai, Hyderabad and Kolkata.
*Terms & conditions apply. Credit at sole discretion of DBS Bank India Limited.


Frequently Asked Questions

Both salaried and self-employed individuals can apply for a Loan Against Property with DBS Treasures.

Interest rates starting at 8.15%* p.a. For specific information, you can speak to a Relationship Manager by clicking here.

A Loan Against Property with DBS Treasures usually has processing fees up to 1%. For more information, you can speak to a Relationship Manager by clicking here.

You can get a tenure up to 15 years for a Loan Against Property with DBS Treasures.

The amount of stamp duty payable on a Loan Against Property varies from one state to another and on the amount disbursed. For specific information, you can speak to a Relationship Manager by clicking here.

Yes, a PAN card is mandatory while applying for a Loan Against Property.

A DBS Treasures Loan Against Property is the perfect choice for many reasons:

  • Interest rates starting at 8.15%* p.a.
  • Processing fees only up to 1%
  • Hassle-free loan processing
  • Tenure up to 15 years
  • Secure and free document storage
  • Dedicated mortgage specialist

Apply Now   A Relationship Manager will reach out to you shortly.

Thank you. Your feedback will help us serve you better.

Was this information useful?

Thank you for your feedback
Let us know how this article helped:
We're sorry to hear that.
How can we do better?
Enter only letters, numbers or @!$-(),.