Organisation : DCB Bank
Facility : Apply For Home Loan
Apply Here : icneo.dcbbank.com/finnone-webapp/app/SourceDetails/dcb/home?loginUser=customer
Website : https://www.dcbbank.com/
DCB HOME LOAN :
Features :
Maximum loan amount – Our customised programs evaluate your loan requirements to work out the maximum loan amount based on your income statements and cash flows.
Easy and fast approvals for your loan – Our dedicated relationship managers will assist you at every stage to provide easy and fast approvals with unmatched loan offerings.
Related : DCB Bank Open Savings/ Current Account : www.statusin.in/21570.html
Balance transfer facility – Avail best deals to take over your existing home loans and additional funds for your requirements.
Attractive insurance plan – We offer attractive insurance plans at reasonable premium to cover your loan amount in the event of death or critical illness.
Wide network – A dedicated network of more than 144 branches in 85 cities across India to cater to your loan requirements
Documentation :
Salaried :
** Application form with self-attested photograph
** Age proof (PAN card / Passport / Mark sheet with date of birth / Birth certificate)
** Proof of residence (Passport / Driving Licence / Aadhar card / Voter’s ID card)
** Proof of identity (Voter’s ID card / Passport / Employer’s card / Aadhar card)
** 3 month’s salary slip
** Form 16
** 6 month’s bank statement
** Copy of title documents
** Processing fee cheque
Self-employed :
** Application form with self-attested photograph
** Age Proof (PAN card / Passport / Mark sheet with date of birth / Birth certificate)
** Proof of residence (Passport / Driving Licence / Aadhar card / Voter’s ID card)
** Proof of identity (Voter’s ID card / Passport / Employer’s card / Aadhar card)
** Proof of business existence and years in business
** 2 years of income tax returns along with financial statements
** Bank statements – individual and business of the last 6 months
** Copy of title documents
** Processing fee cheque
DCB GOLD LOAN :
** Turn your idle gold ornaments into Instant Cash.
** DCB Gold Loan provides maximum loan against your gold ornaments at low interest rates.
** Avail instant loan up to Rs. 20,00,000 with tenures ranging from 1 to 5 years.
** Make full use of your assets to meet your personal or business requirements.
** Our unique overdraft product allows you to save interest by taking advantage of temporary cash surplus.
** We also offer EMI based term loans under this product.
Features :
Loan amount – Loan amount ranges from Rs.10,000 to Rs.20,00,000 depending upon your gold valuation
Easy repayment options – We provide you options to choose repayment between EMI or servicing interest on monthly basis with bullet principle repayment
Loan amount to gold value – The loan amount can be as high as 75% of the appraised gold value
Safe custody of your gold ornaments – Free storage of your gold ornaments in fire proof lockers with the Bank
Wide network – A dedicated network of more than 145 branches in 94 cities across India to cater to your loan requirements.
Documentation :
** Application form with self-attested photograph
** Proof of residence (Ration card / Telephone bill / Electricity bill / Voter’s ID card)
** Proof of identity (Voter’s ID card / Passport / Employer’s Card / Aadhar Card)
Who can apply for DCB Gold Loan?
Any individual between the age group of 18 to 70 years can apply for Gold Loans.
Can I pledge ornaments with stones?
Yes, you can, however we will reduce the weight of the stone while valuing the gold.
Is part release of gold pledged possible?
Yes, partial withdrawal is allowed, however you would have to pay processing charges for availing this facility.
Can, I pre-close the loan before end of the tenure?
Yes, upon the customer’s request, the loan can be foreclosed before the end of the tenure, however the customer needs to be present in person and can be initiated in the same branch where it was originally booked.
Are there any additional charges, apart from what is mentioned in the schedule of charges, which I need to pay for Loan against Gold?
The additional charges would be in the form of stamp duty and is to be paid to the government, basis the stamp duty grid of your respective state.