DBS Bank Loan Against Property

Disclaimer: DBS Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to DBS Bank for loan against property. No offers/services from DBS Bank are being provided by Paisabazaar for loan against property. For further information about DBS Bank for loan against property, users are required to reach out directly to DBS Bank.

DBS Bank Loan Against Property Highlights
Interest rate	9.25% p.a. onwards
Loan amount	Up to 65% of the market value of the residential property
Repayment tenures	Up to 15 years
Processing fee	Up to 1% of the loan amount

Note: Interest rates as of 21 August 2025

DBS Bank Loan Against Property Interest Rate

DBS Bank Loan Against Property interest rates start from 9.25% p.a. While the bank has not set differential interest rates for loan against property based on credit score, monthly income, loan amount, tenure, etc, many lenders consider these factors while setting loan against property interest rates for their applicants.

Compare Interest Rates on Loan Against Property for Top Banks & HFCs

Name of the Lender	Interest Rate (% p.a.)
State Bank of India	9.20-10.50	Apply Now
Bank of Baroda	10.85-18.35	Apply Now
PNB Housing Finance	9.25-15.00	Apply Now
IDFC First Bank	9.00-16.50	Apply Now
HDFC Bank Limited	9.50-11.00	Apply Now
L&T Housing Finance	9.50 onwards	Apply Now
LIC Housing Finance	9.50-11.55	Apply Now
Godrej Housing Finance	9.75 onwards	Apply Now
ICICI Bank	10.85-12.50	Apply Now
Tata Capital	9.00 onwards	Apply Now
Axis Bank	10.50-10.95	Apply Now
Punjab National Bank	10.15-14.00	Apply Now

Fees and Charges of DBS Loan Against Property

Processing fee

DBS Bank charges a non-refundable processing fee of up to 1% of the loan amount.

Part Payment/Foreclosure Charges

DBS Bank does not charge part payment or foreclosure charges on loan against property.

Other fees and charges

Annual fees	1% of the amount + tax
Default interest	3% p.a. on overdue EMI for the defaulted period Up to 2% p.a. charged on outstanding balance for below non-compliances: Default in creating the first and exclusive mortgage over the property within 30 days from disbursal date Borrower’s breach of any provision/covenant of the agreement and/or schedule or any  representation/warranty being incorrect, false, omitted or misleading
Switch fees	Up to Rs 5,000+ tax
Conversion fees	Up to 1%+tax
Repricing Fees/Conversion to RBI Policy	Rs 5,000+tax

DBS Bank Loan Against Property Eligibility Criteria

• Salaried individuals
• Self-employed individuals

Along with the above-mentioned criteria, DBS Bank may also consider the credit score, monthly income, age, etc of its applicants to determine their loan against property eligibility.

Also Check: Loan Against Property EMI Calculator

Document Required for Availing DBS Bank Loan Against Property

KYC Documents (Identity & Resident Proof)

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

Income Proof Documents for Salaried

• Last 3 months’ salary slips
• Last 6 months’ bank statements, showing salary credits
• Last 2 years form-16 and IT returns

Income Documents for Self-employed

• Income tax returns/assessment orders for the last two years with computation of income (including e-acknowledgement) certified by a CA
• Audited balance sheet and 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 of 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.

Along with the list of documents mentioned above, the bank may ask for additional loan against property documents based on the applicants profile.