Home Loan Eligibility Calculator for NRIs| DBS Treasures

Home Loan Eligibility Calculator

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At a GlanceLoan eligibility is largely dependent on the income and repayment capacity of the individual(s). There are other factors that determine the eligibility of home loans such as age, financial position / obligations, credit history / score, savings history, the stability & continuity of occupation, etc.To make your life even more comfortable, try the online DBS Treasures home loan eligibility calculator. This calculator is easy to use and it takes a few seconds to estimate your eligibility.

Your Details*Denotes Mandatory FieldsEmployment Category

Salaried

Self Employed

Please select option

Net Monthly Income*

(min Rs. 1,00,000 max Rs. 10,00,00,000)

Other Monthly Income

Restricted to 50% of Net Monthly Income

Monthly EMI Commitment

(max 100,000,000)

O/S Balance on Credit Card

(max 100,000,000)

Overdraft Annual Interest

(max 100,000,000)

Loan Tenor*

(min 12, max 300)

Interest Rate*

(min 6.5%, max 14%)

Expected Results

Maximum Loan Amount

Your Monthly EMI

Disclaimer

Results generated by the calculator are indicative in nature. The Calculator is not intended to provide its user with results that are either certified by the Bank or are an obligation, assurance, warranty, undertaking or commitment of the Bank, under any circumstances. The Calculator is only a tool that assists the user arrive at results of various illustrative scenarios generated from data input by the user. The Bank is not responsible for any reason, for any errors in any outcome resulting from the use of calculator. The use of the calculator is entirely at the risks of the user. Results from the use of the calculator are not intended to be a substitute for financial statements and certificates and/or professional advice.

Eligibility CriteriaPlease find below a general list of criteria that all banks consider before giving you a home loan:

Current Age and Years to Retirement: Banks usually prefer applicants who have a longer work life. That is because they have a steady income source for a longer time.

Age Limit: The age range limit is usually between 21 to 65 years, whether you are employed or have your own business.

Minimum Salary: Rs. 1 lakh p.m.

Minimum Income from Business: Rs. 12 lakh p.a.

Maximum Loan Tenure: 25 years.

Credibility: The present and the future income of applicant(s). A clean repayment record is considered positive for your credit score.

How to ApplyNow that you have seen how easy it is to determine your home loan eligibility go ahead and apply for a DBS Treasures home loan. Get the benefits of attractive interest rates, special processing fees and a dedicated mortgage specialist.Apply Now A Relationship Manager will reach out to you shortly.

Why is age an important factor in calculating eligibility?

Can a credit score be improved to enhance home loan eligibility?

Home Loan Eligibility Calculator

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