DBS Bank Home Loan: Rates, Eligibility & Fees 2026
DBS Bank offers home loans for ready and resale properties, refinancing, and transfers, supported by digital banking and flexible tenures. Butter Money helps you evaluate suitable options and apply with clear, trusted guidance. Apply with confidence.
Interest Rate
8.70%
p.a. onwards
Processing Fee
₹10,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 90%
loans up to ₹30 lakh
Zero Hidden Charges
Transparent pricing you can trust
Fast Approval
Quick approvals with less paperwork
Loan Assistance
Expert guidance at every step
Exciting Cashbacks
Save more with exclusive offers
What stands out with DBS Bank
- Tenure up to 30 years
- Ready property finance
- Resale property finance
- Refinance option
- Home loan takeover
- Flexible repayment tenure
- Digital application flow
DBS Bank home loan at a glance
| Lender type | Foreign bank |
| Starting rate | 8.70% p.a. onwards |
| Products | Home loan |
| Funding (LTV) | Up to 90% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
DBS Bank Interest Rates
By product, CIBIL score & applicant type
Home loan
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 8.70% onwards | 8.70% onwards |
| 750–799 | 8.70% onwards | 8.70% onwards |
| 700–749 | 8.70% onwards | 8.70% onwards |
| 650–699 | 8.70% onwards | 8.70% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile.
Fees & Charges
Popular DBS Bank Schemes
Find the right DBS Bank product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Home Loan | Ready or resale home | 8.70% onwards |
| Home Loan Takeover | Existing home loan transfer | 8.70% onwards |
| Home Extension Loan | Home extension | 10.70% onwards |
| Top-Up Loan | Additional funding | 10.70% onwards |
DBS Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| DBS Bank (this page) | Foreign bank | 8.70% onwards |
| IndusInd Bank | Private bank | 8.45% onwards |
| YES Bank | Private bank | 8.35% onwards |
| IDFC FIRST Bank | Private bank | 7.75% onwards |
DBS Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at DBS Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 8.7% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh DBS Bank home loan over 20 years at 8.70% costs ₹44,026 a month, or ₹55,66,275 in total interest. Every 0.25% higher adds about ₹799 a month.
DBS Bank Home Loan FAQs
Can I prepay my DBS Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow DBS Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will DBS Bank fund?
DBS Bank funds up to 90% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
What is the starting interest rate for DBS Bank Home Loan?
The DBS home-loan page currently lists rates up to 8.70% p.a., with final pricing based on the applicable rate grid.
What is the processing fee?
The processing fee shown here is ₹10,000 + GST.
What is the maximum home loan tenure?
Home loans can run up to 30 years.
What CIBIL score is preferred?
A good credit history and strong credit score support eligibility and pricing.
What documents are required?
KYC, income and property documents are required as listed in the Documents tab.
Can I transfer my existing home loan to DBS Bank?
Yes. DBS offers home loan takeover/refinance for eligible borrowers.
Final terms are set by DBS Bank at sanction. Source: DBS Bank.