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Dhanalakshmi Bank Limited is an Indian private sector bank headquartered in Thrissur, Kerala, It is one of the premier private banking lenders offering a complete range of banking services, This Dhanalakshmi Bank has large scale offices in the states of Kerala, Tamil Nadu, Karnataka and Andhra Pradesh, Dhanalakshmi Bank Home loan is an important part of their retail business, Dhanalakshmi Bank offers home loan solutions to its customers with innovative and attractive schemes.
Dhanalakshmi Bank Home Loan
Buying own house is everyone’s dream for a long time, this is what everyone wants to plan for their dream house, they make various plans, Dhanalakshmi Bank is the best option for those who are looking for a home loan to buy a house, Buying your own home is a big decision, Dhanalakshmi Bank understands how important a home is to you and offers several home financing options to make home buying easier for you, Dhanalakshmi Bank offers a variety of home loans.
Dhanalakshmi Bank can also avail of home loan to purchase, renew or transfer an existing home loan from another financial institution, Dhanlaxmi Bank Home Loan also offers step-up and step-down EMI options, provides home loans at low interest rates, see below for more details on Dhanlaxmi Bank Home Loan Interest Rate.
Dhanalakshmi Bank Home Loan Eligibility, धनलक्ष्मी बैंक गृह ऋण पात्रता,
Home loan interest rates are based on the credit scores of Dhanalakshmi Bank home loan applicants, the bank offers lower home loan interest rates to applicants with high credit scores, so you must check your credit scores before applying for a Dhanalakshmi Bank home loan.
Dhanalakshmi Bank provides loans to both salaried employees and self-employed individuals through its ‘Surrogate Income Programme, The loan application process takes into account not only the applicant’s financial status but also the nature of their business and other relevant factors.
| Eligibility | Residence in India and Non-Resident Indians |
| Age Limit | Minimum Age 21 years Maximum Age 65 Years |
| Employment Type | Salaried and Self Employeed |
| Salaried and Self Employed | (1) – 85% of the cost of new dwelling units (2) – 70% in case of purchase of plot (3) – 75% for cost of existing dwelling units and repairs. (4) – Maximum – Rs.50L for purchase of land |
| Loan Tenure | Maximum 30 years including leave For Plot Purchase 10 years. |
| Income criteria | Employed – To calculate your total income, multiply your net take-home salary by sixty, and add your spouse’s income as well as any other income from deposits or rent. Self-Employed – The maximum limit for net annual income declared in ITR is five times. |
Dhanlaxmi Bank Home Loan Document
For home loan from Dhanalakshmi Bank the applicant must show all the original documents related to the property to the bank and give a Xerox copy, any lender will strictly consider the documentation while approving the loan application.
Documents are one of the most important requirements for home loan, home loan documents process is taken very seriously at Dhanlaxmi Bank, because your property acts as collateral for the home loan, if there is no proper documentation or if the property is under any legal action then the loan will be rejected.
As a precautionary measure it is better to verify all the documents and property details before buying, applicants face difficulties in not knowing what documents to provide while submitting documents for a home loan, see below which documents are required to pass your home loan application.
- Identity Proof – Aadhaar Card, Voter ID, Passport, Driving License.
- Proof of Income – Income Tax Payroll, Bank Statement, Salary Slip.
- Age Proof – PAN Card, Voter ID, Aadhaar Card, Passport, Driving License.
- Address Proof – Aadhaar Card, Passport, Voter ID, Driving License, Bank Passbook.
- Income Prof for Salaried – Three months salary slips / Form 16 / Six months salary account bank statement / Repayment History.
- Income Prof for Self-Employed – Please provide the Income Tax Return (ITR) for the previous two years that are relevant to your situation / Please provide a bank statement for the past twelve months of account activity / Professional Qualification Certificate / Proof of the existence of business / Trade Audited financial statements / Copy of MOA, Partnership deed / Please provide information about your credit repayment history, if applicable.
Dhanlaxmi Bank Home Loan Processing Fee, धनलक्ष्मी बैंक होम लोन प्रोसेसिंग शुल्क
When you apply for a home loan in Dhanalakshmi Bank, the bank charges a certain amount for the services they provide you, this amount is called Home Loan Processing Fee, Home Loan Processing Charges is 1.00% of the total home loan amount you are applying for + Service Tax (subject to a minimum of Rs. 10,000 + service tax) percentage, if the application is rejected the amount will not be refunded to you.
Applicants should remember that the Dhanalakshmi Bank Home Loan Processing Fee is not the only amount you have to pay, There are other charges too, so everyone should know about the Dhanalakshmi Bank Home Loan Processing Charges Details in advance by clicking here.
| Property Loans | Fees & charges |
| Home loans (HL) | 1.00 % of loan amount + service tax (subject to minimum of Rs. 10,000 + service tax) |
| Loan against property (LAP), Lease rent discounting (LRD) Commercial property loans (CP) | 1.50 % of loan amount + service tax (subject to minimum of Rs. 10,000 + service tax) |
| Loan Amount Up to Rs. 20 Lacs | Rs. 3500 + service tax |
| Loan Amount Above Rs.20 Lacs | Rs. 5000 + service tax |
| Cheque bounce charges | Rs. 500 + service tax |
| Late payment charges | 3% per month |
| Cheque swap charge | Rs. 500 + service tax |
| Facility statement charges (nil for 1 statement every half yearly) | Rs. 500 + service tax |
| NOC issuance charges (nil for first NOC) | Rs. 500 + service tax |
| Document retrieval charges | Rs. 500 + service tax |
| EMI cycle change | Rs. 500 + service tax |
| Foreclosure statement charges | Rs. 200 + service tax |
Dhanlaxmi Bank Home Loan EMI Calculator, धनलक्ष्मी बैंक होम लोन ईएमआई कैलकुलेटर,
Dhan Lakshmi Bank is one of the top private banks offering various types of home loan services, the bank offers home loan solutions with attractive schemes, before taking a Dhan Lakshmi Bank home loan, calculate the loan related EMIs.
Dhan Lakshmi Bank Home Loan EMI Calculator Online is a helpful tool to know EMI payable based on home loan amount, repayment tenure, interest rate and other factors, Dhan Lakshmi Bank has different home loan plans, using Dhan Lakshmi Bank Home Loan EMI Calculator online for different tenures EMI can be calculated over the period
This calculator can be used to compare different plans of Dhan Lakshmi Bank but before calculating the EMIs every month the bank should cross check their interest rates, Dhan Lakshmi Bank Home Loan EMI Calculator Online works on some mathematical algorithms which calculate the exact EMIs one has to pay.
One can easily find bank EMIs by using Dhan Lakshmi Bank Home Loan EMI Calculator online click here to compare with other banks in the country for the same tenure, and the loan amount at their respective interest rate.
Dhanalakshmi Bank Home Loan CIBIL Score, धनलक्ष्मी बैंक होम लोन सिबिल स्कोर,
Generally the higher your CIBIL score is the better when applying for a Dhanalakshmi Bank home loan, the minimum CIBIL score for your home loan approval is 750, your CIBIL score indicates that you have experience of managing credit responsibly and making payments on time.
Generally a CIBIL score between 650 to 750 is considered good and lenders can offer you a home loan after examining your other financial details, If you have a slightly lower CIBIL score you can improve your chances of loan approval by adding a co-applicant to your home loan application and making higher down payments.
Dhanalakshmi Bank Home Loan Interest Rate, धनलक्ष्मी बैंक होम लोन ब्याज दर,
It is very important to know the interest rate when you apply for Dhanalakshmi Bank Home Loan, the home loan interest rate affects the total EMI you have to pay on how much Dhanalakshmi Bank Home Loan you take, so it is good to keep the interest rate in mind whenever you apply for a home loan, Dhanalakshmi Bank You can avail Dhanalakshmi Bank Home Loan Interest rate at an attractive interest rate starting at 7.99%, see more home loan interest rates here.
| Loan Type | Interest Rate |
| Dhanam Home Loan | 9.90% to 10.15% |
| Dhanam Home Loan Surrogate | 10.40% to 12.90% |
Note – Dhanalakshmi Bank home loan rates are subject to change at the bank’s discretion, the information given here is only the current home loan interest rates given by the bank, when you want to take a home loan in the bank, you should visit the https://www.dhanbank.com/home-loans/ bank’s official website and confirm.