Deutsche Bank Home Loan

About Deutsche Bank Home Loan

Have you finalised the property that you want to want to buy? Is this your first home or you want to buy a home with the purpose of investment? Have you saved enough money to make the down payment for your desired home? If your answer to all these above questions is yes, then the next step in your home buying journey is searching a loan partner for availing the loan. It is not easy to choose a bank as your lender for home loan. You need to take care of even the minute details related to home loan. Before availing the loan or finalising the bank, ask as many questions as you want to clear your doubts. The more you ask the better will be your understanding in home loan. Don’t take a loan without knowing the interest rate, understanding the difference between the floating and fixed rate of interest. Analyse the visible difference in the EMIs you are going to pay depending upon the rate you are offered. These are some major parameters you need to take care while applying for a home loan. The tenure of the loan and interest rate may vary from bank-to-bank and the amount you will choose. The rate of interest and amount of loan also depends upon your credit history and repayment capabilities

Home Loan

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    You can take a home loan from any bank you think is fulfilling your needs. You can apply to any of the private or government bank. All the banks have different rate of interest for home loan. Deutche bank offers home loan to the customers to meet their financial requirements. The maximum amount of the loan is up to Rs. 10 crore. You can enjoy the flexible tenure. You can choose a tenure from minimum 5 years to upto 20 years. Here are some important features and benefits of Deutsche bank home loan.

    Features & benefits of home loan

    • You can take a loan of upto Rs. 10 crore
    • Flexible tenure to choose from 5 years to 20 years
    • Fixed or floating rate of interest
    • Loan amount upto the 80% of the market value of property
    • Easy and quick processing of documents
    • Transfer your home loan from any other bank to Deutsche bank
    • Loan is available for salaried and self-employed individuals
    • No pre-payment and part-payment charges

     Different type of home loan

    The bank offers a different type of home loan to meet the requirements of the customers. You can opt for any of the loan type as per your requirements. If you are buying an under-construction property you can choose the loan for the same.

    • Home loan for under-construction properties
    • Home loan for flat/apartment/other type of residential properties
    • Home improvement loan
    • Home extension loan
    • Facility of balance transfer
    • Home loan for NRIs

     Eligibility criteria of home loan

    Eligibility criteria SalariedSelf-employed
    Minimum age2323
    Maximum age Upto 65 years or retirement, whichever is earlier 65 years
    Minimum annual income 5,00,000 5,00,000

    Maximum loan tenure for home loan

    The loan tenure is ranging from 5 years to maximum upto 20 years. You should not be more than the age of 65 at the time of maturity of home loan or more than the retirement age, whichever is earlier.

    Factors affecting loan amount eligibility

    Deutsche Bank will decide your home loan eligibility amount on the factors listed below-

    • Monthly Income
    • Savings
    • Age
    • Property Value
    • Property Type
    • Credit History
    • Employment Status for Salaried
    • Longevity in the business for self-employed
    • Category of your employer

    Documents Required for Home Loan

    DocumentsSalariedSelf-employed
    Age proofValid Passport
    Voter's ID Card
    PAN Card
    Birth Certificate
    Valid Driving License
    Job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI
    Valid Passport
    Voter's ID Card
    PAN Card
    Birth Certificate
    Valid Driving License
    Job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI
    Identity proof
    Valid Passport
    Photo PAN Card
    Voter's ID Card
    Valid Driving License
    Job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI
    Valid Passport
    Photo PAN Card
    Voter's ID Card
    Valid Driving License
    Job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI
    Address proofValid Passport
    Valid Driving License
    Voter's ID Card
    Job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI
    Valid Passport
    Valid Driving License
    Voter's ID Card
    Job card issued by NREGA duly signed by an officer of the State Government
    Aadhar Card or Letter issued by the UIDAI
    Signature proof
    Valid Passport
    Banker's Certificate
    Driving Licence
    PAN Card
    Valid Passport
    Banker's Certificate
    Driving Licence
    PAN Card
    Financial proof/salary proof
    Last three months salary slip
    Form 16 or ITR
    HR certification showing all allowances and reimbursements (if any)
    Last 6 months copy of bank statement (main account)
    Repayment details on any existing loans or loan closure letter
    Last 2 years ncome Tax returns
    Profit & Loss Account along with computation of Income and
    Balance Sheet for last 2 years, duly certified by a CA
    Last 3 years  business continuity proof
    Last 6 months copy of bank statement (main account)
    Short note on the nature of business, form of organisation, clients and suppliers, etc

    Deutsche Bank Home Loan Application Form

    You can apply for home loan at Deutsche Bank by submitting the application form online. Also, you can visit the nearest branch to do the same. After the submission, the bank will send an executive to visit the property that you want to buy. The executive, after visiting the property, will make a legal and technical report based on the existing market value of the home. Deutsche Bank will set a valuation amount based on the report. You can expect to get a maximum loan of up to 80% of the property’s valuation amount.

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