Consumer Loan Against property

Consumer Loan Against Property

OverviewSecure up to INR 1 crore* with a Consumer Loan Against property from DBS Bank, Asia’s Safest Bank. You can apply online with a seamless process requiring minimal paperwork, flexible repayment, and the option to leverage your property’s value without selling. You can also access an overdraft facility to meet your business’ working capital needs. We cater to self-employed professionals and self employed non-professionals.Apply Now

Features and benefits of Consumer Loan Against Property:

Securing a Consumer Loan Against property can provide the financial boost to your business needs. Whether you're looking to expand, acquire assets, or improve working capital, here’s how the DBS Bank Consumer Loan Against property can benefit you:

Avail Consumer Loan Against property ranging from ₹10 Lakhs up to ₹1 Crore.

Choose a flexible loan tenure from 36 to 180 months, anything that fits your financial situation.

Transfer your existing loan to DBS Bank with Balance Transfer and access additional financing effortlessly.

Secure your loan with residential or commercial property as collateral.

Complete the application with minimal paperwork.

Benefit from attractive mortgage loan interest rates that make repayment manageable.

Use funds for business growth, asset acquisition, stock purchase, or personal needs.

Eligibility Criteria for DBS Bank Consumer Loan Against propertyTo qualify for the DBS Bank Consumer Loan Against property offered by DBS Bank, applicants must meet the following criteria:

Applicant Type: The loan is available to self-employed individuals, including manufacturers, retailers, traders, and professionals.

Property Type: The applicants must provide residential or commercial property as collateral.

Business Proof: Applicants need to submit valid business proof, such as the Udyam Registration Certificate for MSMEs.

Financial Documents: Submission of financial documents, including Income Tax Returns (ITR), Profit & Loss statements, and balance sheets, is required.

Bank Statements: Applicants must provide the latest 12-month bank statements along the repayment statements.

KYC Documents: All applicants and co-applicants must submit KYC documents as per the bank’s norms.

How to Apply for DBS Bank Cosnumer Loan Against Property

Click on "Apply now" to avail the loan. Our representative will get in touch with you.

You can give a missed call on: +91 72898 43232. Our representative will get in touch with you.

Walk into your nearest branch with complete documentation.

Apply Now

DBS Bank Consumer Loan Against property Interest Rates:DBS Bank Consumer Loan Against property (Term Loan/Overdraft) offers competitive interest rates based on various factors. Click here to view details.

Interest rates range from 10% to 18% per annum (linked to the Repo rate).

Rates vary depending on factors like your Bureau Score, loan segment, etc.

The current Repo rate is 5.25%.

Fees and Charges for Consumer Loan Against propertyWhen applying for a Consumer Loan Against property, understanding the fees and charges associated with the loan process is essential to plan your finances effectively.Processing Fees:

Consumer Loan Against Property: Up to 3% of the sanctioned loan amount + applicable GST

Overdraft: Up to 1% of the limit amount + applicable GST

Initial Application Login Fee: ₹4000 + applicable GST (non-refundable)

For detailed charges, visit the schedule of charges

Indicative Documents List Required for Consumer Loan Against Property:To apply for a Consumer Loan Against property, submit the completed application form along with the required documents for all applicants/co-applicants.

Application form (Including photographs) duly signed by all applicants and Guarantor.

KYC Documents as per Bank KYC norms.

Business Proof.

Udyam Registration Certificate (Applicable for MSME).

Latest 12-month bank statement and the EMI repayment bank statement.

A cheque for processing fee favouring DBS Bank India Limited.

Property Documents- Title Deeds with all the previous chains of property documents/agreements

Declaration and documents stating the end use of the loan.

Last 2 Years ITR, P & L and Balance Sheet, etc (basis availability).

This list outlines common requirements, but additional documents may be requested as per DBS Bank’s credit policies. For details, contact your Relationship Manager or visit a DBS Bank branch.

Terms and Conditions

Approval is at the sole discretion of DBS Bank and subject to all checks and verification found satisfactory as per Bank’s policy.

The customer must notify the bank of any updates or changes in residence, contact details, or business information within 30 days of availing the loan and thereafter as needed to keep the bank’s records updated.

Apply NowMSME Guidelines

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What is Consumer Loan Against property?

Consumer Loan against property allows you to borrow money by pledging your property as collateral. You can use the loan for personal or business needs, while keeping ownership of the property. The loan amount and interest rate depend on the property’s value and your eligibility.

Who can avail a Consumer Loan against property?

Self-employed professionals and business owners:

Individuals

Sole Proprietors

Partnership Firms / LLP

Individuals who have been in the same line of business/profession for 3 Years

What is the security that I need to provide to avail a Consumer Loan Against property?

What is the range of loan amounts, minimum and maximum, that I can apply for?

What are the documents required for a Consumer Loan Against property?

What percentage of the property value can I avail as a Consumer Loan against property?

What’s the maximum tenure of the loan I can avail?

Do DBS Bank offer Property Loan as an overdraft?

tr td p { text-align: start; } Useful Links

Application Form	Code for debt collection and repossession of security
Loan Agreement	Most Important Terms & Conditions
CLAP Interest Rates	Service Request Form
Schedule of Charges	RBI Circular: Customer Education Regarding Asset Classification
Display of information related to rates of C-LAP and Annual Percentage Rate (APR)	Revival and Rehabilitation of MSME
Policy for Lending to MSE	MSME Guidelines
MSE Code of Commitment

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It takes two banks to match what we offer.

Our Products

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Interest Rates & Calculators

Others

Open Instant DBS Bank Savings Account

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