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Competitive Interest Rates
Starting 7.35% p.a.
Handpicked Home Loan Offers
Offers from 30+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
Dhanlaxmi Bank’s home loan interest rate depends on the bank’s prevailing rates and the applicant’s eligibility. The applicable rate, loan amount, repayment tenure, and other terms are determined by the bank at the time of sanction.
Applicants should check the latest home loan interest rates and applicable charges directly with Dhanlaxmi Bank before applying.
| Interest Rate | 7.90% p.a. onwards | |
| LTV Ratio | Up to Rs. 30 Lakh: 90% Above Rs. 30 Lakh and up to Rs. 75 Lakh: 80% Above Rs. 75 Lakh: 75% |
|
| Processing Charges | Home loans (HL) | 1.00% of loan amount + Taxes (subject to a minimum of Rs. 10,000 + Taxes) |
| Lease rent discounting (LRD) | 1.50% of loan amount + Taxes (subject to a minimum of Rs. 10,000 + Taxes) | |
| Loan against property (LAP) | ||
| Commercial property loans (CP) | ||
| Processing fees | Home loans (HL) | 1.00% of loan amount + Taxes (subject to a minimum of Rs. 10,000 + Taxes) |
| Lease rent discounting (LRD) | 1.50% of loan amount + Taxes (subject to a minimum of Rs. 10,000 + Taxes) |
|
| Loan against property (LAP) | ||
| Commercial property loans (CP) | ||
| Non-refundable processing fees | Up to Rs. 20 Lacs: Rs. 3,500 + Taxes Above Rs. 20 Lacs: Rs. 5,000 + Taxes |
|
| Late payment charges | 3% per month | |
| Foreclosure statement charges | Rs. 200 + Taxes | |
| Part prepayment charges | Part prepayment can be done after 6 months from the date of first disbursement. Subject to a minimum of Rs. 50,000 and a maximum of 25% of the loan outstanding at the beginning of the financial year. One payment is allowed every financial year. All part prepayments made 12 months before the foreclosure of the loan will be charged at the applicable foreclosure rate at the time of foreclosure. | |
| Foreclosure charges | Home Loan: NIL (w.e.f. 01.02.2012) Loan Against Property / Commercial Property Loan / Lease Rental Discounting: 5% + Taxes in the first 12 months from the date of first disbursement. 3% + Taxes for loans foreclosed between 12 and 24 months from the date of first disbursement. 2% + Taxes thereafter. The charge is levied on the loan outstanding at the time of foreclosure. |
|
| Stamp duty (Facility documentation & Property) + Registration | As per actual | |
| Any other charge | As per sanction letter | |
| Loan Amount | Interest Rate | Loan Tenure | EMI (Rs.) |
|---|---|---|---|
| Rs. 50 lakh | 8.20% | 25 | 39,256 |
| Rs. 40 lakh | 8.20% | 25 | 31,404 |
| Rs. 30 lakh | 8.20% | 25 | 23,553 |
| Loan Amount | Interest Rate | Loan Tenure | EMI (Rs.) |
|---|---|---|---|
| Rs. 50 lakh | 8.20% | 15 | 39,256 |
| Rs. 40 lakh | 8.20% | 15 | 31,404 |
| Rs. 30 lakh | 8.20% | 15 | 23,553 |
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Dhanlaxmi Bank determines home loan eligibility based on the applicant’s financial profile, repayment capacity, and property details.
The main factors considered include:
The eligible loan amount and repayment tenure are determined by the bank after reviewing the application and supporting documents. Final approval is subject to the bank’s credit assessment, property valuation, legal verification, and applicable lending terms.
You can apply for a Dhanlaxmi Bank Home Loan by submitting an application form and the required financial and property documents. The application is reviewed by the bank before the loan is approved and disbursed.
You will have to follow these steps as guided by the bank representative.
The documents generally include:
The exact requirements may vary depending on the applicant’s profile and loan type.
Note: Loan approval and the amount sanctioned depend on the bank’s assessment of repayment capacity, financial documents, and property eligibility.
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The repayment tenure can extend up to 30 years, subject to the bank’s terms.
The interest rate depends on the bank’s prevailing rates and the applicant’s eligibility.
The processing fee is 1% of the loan amount, subject to a minimum of Rs.10,000, plus applicable taxes.
Eligibility depends on income, age, repayment capacity, existing liabilities, employment stability, and property details.
Applicants generally need identity proof, address proof, photographs, income documents, bank statements, and property papers.
You can apply through the bank’s official website or visit a branch to submit the application and required documents.
According to the provided fee schedule, home loan foreclosure charges are nil, effective from 1 February 2012. Check the latest applicable terms with the bank.
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