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DMI Housing Finance Home Loan Detail
| Loan amount | Up to Rs. 30 Lakhs |
| Tenure | Up to 25 years |
| Rate of interest | 11.00% - 15.50% p.a. |
| Processing fee | 0.50% of the sanctioned loan amount + GST |
| Operation & administrative cost | 1.50% of the sanctioned loan amount + GST |
| Legal verification charges | Rs. 1,500 |
| Technical verification charges | Rs. 1,500 |
| Disbursal time | 6 to 30 days |
Table of Contents: DMI Housing Finance [Hide]
- DMI Housing Finance Features & Benefits
- DMI Housing Finance Home Loan Interest Rate
- DMI Housing Finance Comparison with Other Top Banks
- DMI Housing Finance Home Loan Eligibility Criteria
- How to Apply for DMI Housing Finance?
- DMI Housing Finance Documents Required
- How to Calculate DMI Housing Finance Home Loan EMI?
- DMI Housing Finance Home Loan Customer Care
- FAQs
DMI Housing Finance Features & Benefits
- Maximum loan to value (LTV).
- Quick approval.
- Zero hidden charges.
- Affordable interest rates.
- Home loans offered to salaried as well as self-employed individuals.
- Home loans available for house or flat purchase, plot purchase, home construction, home extension, and home improvement.
- Home loan balance transfer available.
- Loans available for under construction as well as ready possession homes.
- Easy home loan eligibility criteria.
- Maximum of 6 applicants allowed for loan.
Best Home Loan Interest Rates Starting @8.50%, Check EMI & Apply Now
DMI Housing Finance Home Loan Interest Rate
DMI Housing Finance home loan interest rate varies between 11% - 15.50% p.a. The actual rate of interest at which the bank provides you the loan depends on your credit score, income, work stability, existing obligations, required loan amount, current market value of the property, and other factors.
Compare Banks to Get Lowest Home Loan Balance Transfer Interest Rate
DMI Housing Finance Comparison with Other Top Banks
Given below is a comparison of HFFC Home Loan with the Home Loan of other Top Banks.
| Bank | Loan Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|
| DMI Housing Finance | Up to 30 Lakhs | 11% to 15.50% p.a. | 1.50% + GST | Up to 25 years |
| HDFC Home Loan | Up to 90% of property value | 8.50% - 9.15% | 0.50% of the loan amount or Rs. 3000 whichever is higher | Maximum 30 years |
| PNB Housing Loan | Need-based as per the project cost and the repayment capacity. Maximum 90% of the property value | 8.50% - 10.75% | up to 0.50% of the loan amount. Minimum processing fees is Rs. 10000. | Maximum 30 years |
| SBI Home Loan | 75% to 90% of the property value | 8.40% - 10.05% | 0.35% of the loan amount | Maximum 30 years |
| Kotak Mahindra Bank Home Loan | Up to 80% of the project cost | 8.70% - 8.95% | 0.50% of the loan amount | Maximum 20 years |
| Canara Bank Home Loan | 75% to 90% of the project cost depending on the loan amount | 8.40% to 11.25% | 0.50% of the loan amount with a minimum of Rs. 1500 and a maximum of Rs. 10000 | Maximum 30 years |
| ICICI Home Loan | Up to 90% of the value of the property | {{CITI_BANK_HL_INTEREST_RATE}} | 0.50% to 2% of the loan amount | Maximum 30 years |
| Bank of Baroda Home Loan | Up to 90% of the property value with a maximum of Rs. 10.00 Crores depending on the repayment capacity | 8.40% - 10.60% | 0.25% to 0.50% of the loan amount | Maximum 30 years |
DMI Housing Finance Home Loan Eligibility Criteria
- Salaried and self-employed individuals.
- Minimum age required is 18 years.
- Maximum age should not be above 70 years (with income documents) and 90 years (without income documents).
- Repayment tenure is maximum Up to 25 years.
- Maximum loan amount eligibility is up to Rs. 30 Lakhs.
- Total 6 applicants in total co-applicants are permissible.
How to Apply for DMI Housing Finance?
You can apply for DMI Housing Finance Home Loan through:
- Official website of DMI Housing Finance.
- Our website, i.e. www.mymoneymantra.com.
- Calling the customer care of DMI Housing Finance at 18001214214.
- Visiting the nearest branch of DMI Housing Finance.
Sending your request through email at customercare@dmihousingfinance.in
DMI Housing Finance Documents Required
| Identity proof and age proof | Any one of the below:
|
| Address proof | Any one of the below:
|
| Income proof - Salaried |
|
| Income proof - Self-employed |
|
| Property documents |
|
| Other documents |
|
How to Calculate DMI Housing Finance Home Loan EMI?
You can easily calculate your DMI Housing Finance Home Loan EMI by using their EMI Calculator available on their website or by using our Online Home Loan EMI Calculator. The process is simple. Open the EMI Calculator, enter the loan amount, rate of interest, and repayment tenure for instant EMI calculation.
It is always beneficial to calculate your home loan EMI before applying for the loan. Knowing your EMI obligation beforehand will help you in being prepared for the upcoming financial responsibility.
DMI Housing Finance Home Loan Customer Care
You can ask any question regarding DMI Housing Finance Home Loans by calling their customer care number 18001214214. You can also send an email to customercare@dmihousingfinance.in
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DMI Housing Finance Home Loan FAQs
✅ How do I foreclose a DMI loan?
You can foreclose your DMI housing loan at any given point during the loan tenure, but doing so will attract prepayment charges (if applicable). You can contact the nearest DMI Housing Finance branch to make a prepayment. Usually DMI Housing Finance does not levy any prepayment charges for part or full prepayment of the housing loan.
✅ How can I check my DMI loan status?
You can call or email DMI Housing Finance to check your home loan status. You can also visit the nearest branch.
✅ How do I use the DMI Finance moratorium?
DMI Housing Finance does not provide any moratorium on home loan.
✅ How does DMI decide the loan amount?
DMI considers many factors while deciding the eligible loan amount for borrowers, such as borrower’s monthly income, their age, income stability, current EMI obligations, current market value of the property/collateral.
✅ How many joint holders can apply together for a DMI Housing Finance home loan?
DMI Housing Finance allows a maximum of 5 co-applicants to apply in one single loan application along with 1 applicant. So, in total, 6 joint holders can apply.
✅ How will the disbursement happen in DMI Housing Finance?
- After the loan application is processed, it will be sanctioned in principal.
- After loan sanction, all the legal & technical requirements will be completed.
- DMI will also verify the own funds contribution of the customer in some cases, prior to disbursement.
- After all verifications are done, DMI will initiate the disbursement in the form of Cheque/DD/NEFT/RTGS (depending on the transaction nature) in the beneficiary account.
✅ Does DMI Housing Finance require any security against my Home Loan?
Yes, DMI requires a security for Home Loan by way of creating the first mortgage financed. The title deeds of the property will be deposited to DMI Housing Finance Pvt. Ltd. It is the responsibility of the applicant to deposit all the title deeds to the lender. Additionally, personal guarantees can also be applicable as security, if required by DMI Housing Finance pvt. Ltd.
