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Deutsche Bank AG India, a branch of the global banking giant established in India since 1980, provides home loans for residential property purchase, construction, renovation, or extension up to ₹25 crore with up to 75% financing based on property value. As of October 2025, Deutsche Bank home loan interest rate starts at 8.75% p.a. for eligible salaried borrowers with CIBIL scores of 750+, extending up to 10.00% p.a. depending on credit profile and loan purpose, with repayment tenures up to 20 years. The bank emphasizes balance transfers from higher-rate lenders, daily reducing balance interest calculation, and simple documentation for residents and NRIs, with processing through 13 branches in major cities like Mumbai and Bengaluru.
|
Feature |
Details |
|
Interest Rate |
Starts at 8.75% p.a. (up to 10.00% p.a. based on CIBIL and profile) |
|
Processing Fee |
Up to 1% of loan amount + GST (minimum ₹2,000 if declined) |
|
Loan Amount |
Up to ₹25 crore (75% of property value) |
|
Repayment Tenure |
Up to 20 years |
|
Applicant Age |
23 to 65 years (at loan commencement) |
|
Approval & Disbursal Time |
7–15 working days after document submission |
|
Prepayment Charges |
Nil for floating rate loans |
|
Eligibility (Salaried) |
Minimum ₹2 lakh annual income; 1 year in current job |
|
Eligibility (Self-Employed) |
Minimum 2 years business; ITR showing ₹2 lakh+ annual income |
Deutsche Bank home loan interest rate is linked to the bank's External Benchmark Lending Rate (EBLR) at 8.60% as of October 2025, plus a spread adjusted for borrower profile, with floating rates benchmarked to RBI repo rate changes. Rates start at 8.75% p.a. for prime salaried applicants on loans up to ₹35 lakh, rising to 10.00% p.a. for self-employed or higher amounts, with women and NRI concessions of 0.05%-0.10% under specific schemes. Balance transfers are encouraged to lock in lower rates, with interest computed on daily reducing balance for precise calculations.
|
Borrower Category |
Interest Rate |
Max Rate |
Key Influencing Factors |
|
Salaried (CIBIL ≥750) |
8.75% |
9.25% |
Income stability, employer category, loan size |
|
Self-Employed Professionals |
9.00% |
9.75% |
ITR consistency, business vintage, audited accounts |
|
NRI/OCI |
8.80% |
10.00% |
Overseas income proof, remittance history |
|
Balance Transfer |
8.75% |
9.50% |
Existing loan track record, property revaluation |
|
Bank |
Starting Rate (p.a.) |
Processing Fee |
Max Tenure |
|
Deutsche Bank |
8.75% |
Up to 1% |
20 years |
|
State Bank of India (SBI) |
7.50% |
Up to 0.35% |
30 years |
|
HDFC Bank |
8.15% |
0.5%–1% |
30 years |
|
ICICI Bank |
8.75% |
0.5%–1% |
30 years |
For a ₹50 lakh loan over 20 years at 8.75%, EMI is ₹41,800—₹3,300 higher monthly than SBI's 7.50%, but up to 0.25% rate reduction on balance transfers saves ₹1.5 lakh in interest over the tenure.
Deutsche Bank home loan calculator is available at deutschebank.co.in/home-loan-emi-calculator—enter loan amount, interest rate (8.75%-10.00%), and tenure for EMI, amortization schedule, and total interest projections, including balance transfer simulations.
Loan Amount: ₹50 lakh
Interest Rate: 8.75% p.a.
Tenure: 20 years
|
Monthly EMI |
Total Interest Payable |
Total Amount Payable |
|
₹41,800 |
₹50.32 lakh |
₹1.00 crore |
Reduce to 15 years: EMI ₹45,900, saves ₹11 lakh interest; balance transfer adds 0.10% rate cut for ₹1 lakh extra savings.
|
Charge Type |
Amount |
|
Processing Fee |
Up to 1% + GST (min ₹2,000 on decline) |
|
Legal & Valuation Fee |
₹3,000–₹5,000 |
|
CERSAI Registration |
₹500 |
|
Stamp Duty (MODT) |
0.1%–0.3% (state-specific) |
|
Prepayment (Floating Rate) |
Nil |
GST at 18%. Total charges under 1.5%; refunds on decline minus ₹2,000 processing.
● Age: 23–65 years
● Minimum ₹2 lakh annual income
● 1 year in current job
● CIBIL: 700+ (750+ for lowest rates)
● Age: 25–65 years
● 2 years business
● ITR: ₹2 lakh+ annual
● Property: Clear title, approved construction
75% LTV max; NRIs add visa/salary proofs.
|
Service |
Contact Details |
|
Toll-Free Helpline (24x7) |
1800 123 6601 / 1860 266 6601 |
|
Email for Queries |
premium.care@db.com |
|
Grievance Redressal |
Customer Care, PO Box 9095, Mumbai 400063 |
|
Branch Hours |
9:30 AM–5 PM (Mon-Sat) |
Call 1860 266 6601 (press 4 for status) with reference number, or log into dbOnline portal at deutschebank.co.in/netbanking with mobile OTP—view stages: Submitted, Verified, Sanctioned, Disbursed. Email premium.care@db.com or visit branch; SMS updates on registered mobile.
Salaried applicants need minimum ₹2 lakh annual income; self-employed require ₹2 lakh+ via ITR. Debt-to-income ratio ≤50% for EMI eligibility up to ₹25 crore; co-applicants (spouse) enhance limits by 20-30% for joint families.
Yes, NRIs/OCIs/PIOs qualify with 2+ years overseas employment, valid visa, and NRE proofs; rates from 8.80% p.a. with 75% LTV. Use power of attorney for execution; apply via dedicated NRI desk at 1800 123 6601.
Deutsche Bank supports PMAY for EWS/LIG/MIG with up to 6.50% subsidy on loans ≤₹12 lakh (property ≤₹45 lakh). Income <₹18 lakh eligible; integrate during application for effective rate ~2.25%, saving ₹2 lakh+ via direct credit.
Transfer via portal/branch with NOC/statements; rates 8.75%-9.50% (0.25%-1% lower than originators), up to 1% fee. No prepay penalty; top-up up to 20% original amount—saves ₹2,500+ monthly on ₹40 lakh with 5-7 day processing.
With home prices rising 9% in urban India 2025 (NHB data), Deutsche Bank home loan interest rate calculator processing fee requirements application process customer care status offers global expertise with balance transfer ease and daily interest savings—ideal for ₹50 lakh-₹25 crore premium properties. Apply at deutschebank.co.in or call 1800 123 6601.
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