ApnaLoan: Deutsche Bank Home Loans

Banks Offering Home Loan

Deutsche Bank- Home Loans

Features

Some of the unique features of Deutsche Bank home loans are:

Flexible home loan options: Combination of both fixed and floating interest rates on a single loan. A part of your loan will be at a fixed interest rate, while the other will attract fluctuating interest.
StepUp home loan: Lower EMIs in the initial years and higher in later years, keeping pace with an increase in your income levels.
StepDown home loan: Higher EMI in the initial years of your loan tenure as compared to the EMI in the later years.
Loan for up to 90% of the property value
Free property valuation and consultancy service

Eligibility

Eligibility criteria	Salaried	Self-employed
Minimum Age	23 years	23 years
Maximum Age	65 years or retirement, whichever is earlier	65 years
Minimum Gross Annual Income (Rs)	100,000	100,000
Minimum stay at current residence	1 year	1 year
Total work or business experience	2 years (for loans up to Rs 1 crore), 4 years (for loans greater than Rs 1 crore)	2 years (for loans up to Rs 1 crore), 5 years (for loans greater than Rs 1 crore)
Telephone	Mandatory at both residence and office	Mandatory at both residence and office

Margin

Deutsche Bank funds up to 90% of the value of the property

Documents required

Documentation	Salaried	Self-employed
Financials	Salary slip of last one month or latest salary certificate showing all deductions and loans outstanding	Income Tax returns for the last 2 years
	Form 16	Profit & Loss Account along with computation of Income and Balance Sheet for last 2 years, duly certified by a CA
	HR certification showing all allowances and reimbursements (if any)	Proof of business continuity for last 3 years
	Copy of bank statement (main account) for last 6 months	Copy of bank statement (main account) for last 6 months
		Short note on the nature of business, form of organisation, clients and suppliers, etc.
Photo Identity (any one of the doc.)	- Passport	- Passport
	- Photo PAN Card	- Photo PAN Card
	- Defence/Govt ID Card	- Voter's ID Card
	- Voter's ID Card	- Driving Licence
	- Driving License
Proof of Signature (any one of the doc.)	- Passport	- Passport
	- Banker's Certificate	- Banker's Certificate
	- Driving Licence	- Driving Licence
	- PAN Card	- PAN Card
Proof of Residence (any one of the doc.)	- Passport	- Passport
	- Telephone Bill (landline)	- Telephone Bill (landline)
	- Electricity Bill	- Electricity Bill
	- Voter's ID Card	- Voter's ID Card
	- Driving Licence	- Driving Licence
Proof of Age (any one)	- Passport	- Passport
	- Voter's ID Card	- Voter's ID Card
	- PAN Card	- PAN Card
	- Birth Certificate	- Birth Certificate
	- Life Insurance Policy or premium receipt clearly stating age/DoB	- Life Insurance Policy or premium receipt clearly stating age/DoB

Deutsche Bank Loan Products:-

• Deutsche Bank Personal Loan

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