ICICI Bank Home Loan

icici-home-loan

Applying home from ICICI Bank is one of the quickest and easiest processes. ICICI bank offer home loans on lowers EMIs and higher eligibility at very attractive interest rates. For faster approval you can apply for home loan through TABLET and Smart phone Application. The benefit of applying of home loan from ICICI Bank is fastest approval, less documentation, and door step service from our experienced executives. ICICI bank offer home loan on very attractive interest rates and lowest processing fees. ICICI bank home loan also provide overdraft facility through Mortgage Loan. You can Choose your Dream home from our Pre approved projects.

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Eligibility for ICICI Bank Home Loan

  • Any Person at least 21 year and maximum 65 year old
  • He should be either salaried or self employed with regular income.
  • Loan amount Start from 5 lac to up to 10 Cr.
  • Loan Period from minimum 3 years to maximum 30 years

ICICI Bank Home Loan Interest Rates

Floating Interest Rates
Category Rate of Interest
For Woman For Salaried Self Employed Borrower
Up to 75 lac 9.15% 9.20% 9.20%
75 lac to 5 Crore 9.30% 9.35% 9.35%
Above than 5 Crore 9.45% 9.50% 9.50%
Up to 28 lac 9.15 %  (For Weaker Selection Borrower)
Fixed Interest Rates for 2 Years ,3 Years
    For Salaried Self Employed Borrower
Up to 75 lac   9.20% 9.20%
75 lac to 5 Crore   9.35% 9.35%
Above than 5 Crore   9.50% 9.50%
Fixed Interest Rates for 5Years, 10 Years
  For Woman For Salaried Self Employed Borrower
Up to 30 lac 9.20% 9.25% 9.25%
30 lac to 5 Crore 9.30% 9.35% 9.35%
Above than 5 Crore 9.55% 9.60% 9.60%
Full Tenor Fixed Interest Rates
  For Woman For Salaried Self Employed Borrower
Up to 30 lac 9.70% 9.75% 9.75%
30 lac to 5 Crore 9.80% 9.85% 9.85%
Above than 5 Crore 10.05% 10.10% 10.10%

Documentation Required for ICICI Bank Home Loan

  • Application duly signed along with Photograph.
  • Applicant ID (Passport/Aadhar Card/Pan Card/ Voter ID)
  • Residential Proof ( Utility Bill/Electricity Bill/Passport )
  • One Processing Fee Cheque
  • Last 6 Month Bank Statements
  • For a Salaried Person last 3 month Bank Statement
  • For a Salaried Person Form – 16
  • For Self Employed – Proof of Business Existence
  • Last 3 Month Bank Statement as Proof of Income
  • Last 3 month Income Tax Return
  • Balance Sheet & Profit & Loss A/c Certified by CA

We help you to reach your dream home with icici bank loans. Adding your suppose as a co-applicant you can increase your home loan eligibility further and higher. Home loan eligibility depend on different factor including your and your co applicant monthly salary or income, current age, age of retirement, etc.

Special benefit in Interest rates from loan are 9.40% to 9.65% for Woman borrower . The woman borrower should be a main applicant.

ICICI Home loanEligibility Calculator

Just entering your basic detail, required loan amount and loan period  you can check online your home loan eligibility using our calculator to calculate your loan amount. Our calculator give you the approx value of home loan that you can avail.

Save Tax

As per income tax Act you can gets Tax benefit on your income taking a home loan, you can avail a Tax benefit on your home loan up to Rs.1,50,000.00 under section 80C.

Balance Transfer

You can reduce your existing EMI transferring your existing home loan to ICICI bank.

Fixed /Floating Interest Rate

A borrower can enjoy the benefit of fixed interest Rates for first 10 years and thereafter he can choose either fixed or floating interest rates.

Prepaying

No charges will be paid if borrower chooses the floating rate of interest.

2% of outstanding amount will be paid if borrower chooses fixed interest rate option.

 

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