DMI Housing Finance Home Loan
DMI Housing Finance Home Loan
DMI Housing Finance Limited has helped thousands of people buy their homes through affordable home loans. DMI home loans start at 9.30% per annum with a processing fee of 1.5% plus GST. The NBFC lends for plot and home purchase, home renovation or extension, home construction, and loans against property. The maximum repayment tenure is up to 25 years and the maximum loan amount is up to Rs. 30 lakh.
DMI Housing Finance Home Loan
Credit Scores From 550 Considered
DMI looks beyond a perfect CIBIL score, and we help you present your file well.
Disbursal in 5 to 6 Days
DMI moves quickly once documents are in, and we make sure your file is complete.
Up to Six Co-Applicants
DMI allows large joint applications, and we help you structure them to maximise eligibility.
One Relationship Manager, Start to Finish
A dedicated BASIC expert handles your file end to end, not a rotating call centre.
DMI Housing Finance Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
DMI Housing Finance Home Loan Key Highlights
Get the lowest interest rates with DMI Housing Finance
Loan Amount: Up to Rs. 30 lakh
Rate of Interest: 9.30% per annum onwards
Processing Fee: 1.50% + GST
Maximum Tenure for Repayment: 25 years
Rate Packages: Fixed / Floating (construction loans)
Charges for Prepayment/Foreclosure: Nil
DMI Housing Finance Home Loan Interest Rates in 2026
The DMI home loan interest rate depends on the CIBIL score, repayment capacity, employment status and other factors. Applicants can choose a fixed or floating rate. The table below sets out the current rates:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Home Loans | 9.30% per annum onwards |
| Loan Against Property | 15.00% - 18.00% per annum |
DMI Housing Finance Home Loan Eligibility Criteria
DMI Housing Finance offers quick approvals, provided the applicant meets certain eligibility criteria based on age, CIBIL score, nationality and employment status. The table below sets them out:
For Salaried Individuals
Age Range (in years)
18-70 years
Nationality
Indian residents, NRIs and PIOs
For Self-Employed Individuals
Age Range (in years)
18-70 years
Nationality
Indian residents, NRIs and PIOs
DMI Housing Finance Home Loan Processing Fee and Charges
To process each home loan application, the NBFC charges a processing fee calculated as a percentage of the total loan amount. The DMI home loan processing fee and other charges are listed below:
| Processing Fee on Home Loans | 1.5% + GST |
| Processing Fee on Loan Against Property | 2% + GST |
| Legal Verification | Rs. 1,500 |
| Technical Verification | Rs. 1,500 |
| Cheque Bounce Charges | Rs. 590 per instance |
| Charges for Providing a Document List | Rs. 590 |
| Overdue Charges on Default Payment (EMI / Pre-EMI) | 2% per month on the outstanding dues |
| Duplicate Foreclosure Letter | Rs. 590 |
| CERSAI Charges | Rs. 59 for loans up to Rs. 5 lakh; Rs. 118 for loans above Rs. 5 lakh |
| Duplicate Interest Certificate | Rs. 236 per copy, one copy allowed per year |
| Custodian Fee | Rs. 590 |
| Document Retrieval Charges | Rs. 590 |
| Cheque / ACH Swapping Charges | Rs. 590 |
DMI Housing Finance Home Loan Schemes and Top Plans
DMI Housing Finance Ltd. offers a range of home loan schemes to suit different borrower needs. Here are the popular plans:
- Ideal for buying under-construction or ready-to-move-in homes
- Maximum repayment tenure of up to 25 years
- Maximum loan amount of up to Rs. 30 lakh
- Up to 6 co-applicants permitted
- For purchasing a plot, individually or jointly
- Open to salaried and self-employed applicants
- Maximum repayment tenure of up to 25 years
- Maximum loan amount of up to Rs. 30 lakh
- For constructing a home on a plot
- Affordable interest rate with no hidden charges
- Maximum loan to value on the property and fast approvals
- For extending an existing home
- Zero hidden charges and quick approvals
- Easy eligibility criteria, with up to 6 co-applicants allowed
- Hassle-free loans at a low rate of interest
- Ideal for meeting the costs of renovating an existing home
- Maximum loan to value on the property and a flexible repayment tenure
- Available on self-occupied residential properties bought within 6 months of the loan application
- Option to avail top-ups after 9 months
- Maximum loan amount of up to Rs. 30 lakh
- Helps meet personal financial expenses
- Can be used to fund your own business
- No hidden charges, easy approvals and a competitive rate of interest
* Note: All of the above home loan plans are made available to applicants solely at the discretion of DMI Housing Finance, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for DMI Housing Finance Home Loan
The list of documents required for a DMI housing loan is shared below so you can arrange them before applying:
| Proof of Income |
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| Other Required Documents |
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| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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Apply for a DMI Housing Finance Home Loan Through BASIC Home Loan
The DMI home loan application is simple and can be completed online by following these steps:
Apply Now on the BASIC Website
Head to the APPLY NOW section on the BASIC Home Loan website.
Share Your Requirement
Enter your name, contact details, loan amount and pincode, then submit the form.
We Take It Forward With DMI
The BASIC Home Loan team reaches out and initiates a hassle-free home loan application process.
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