ICICI Bank

ICICI Bank

Overview

We, at ICICI Bank Home Loans, offer unbeatable benefits to ensure that you get the best deal without any hassles. As one of the leading home loan provider, ICICI Bank understands how special building a new home is for you and our Home Loan help you lay the foundation for your dream home. ICICI offers you the most convenient home loan plans to suit your needs. With so many attractive features in every type of home loan we offer, creating the home you always wanted is no longer a distant dream.

Loan Feature

Loan Amount 80% of the cost of the property
Interest Rate 9.5% to 10.05%
Tenure Maximum 30 years
Pre Payment Charges 2% on the principal outstanding
Service Charges

0.50% - 1.00% of the loan amount or Rs.1500/- (Rs.2000/- for Mumbai, Delhi & Bangalore), whichever is higher + applicable Service Tax & Surcharge

Eligibility Criteria : Home Loan

  Salaried Self
Age Minimum 21 years Minimum 21 years
Income Regular Source of Income should be there Regular Source of Income should be there
Job Experience N/A N/A
Residence Proof Valid Residence proof Valid Residence proof

Docs Required : Home Loan

  Salaried Self
ID Proof Passport/PAN card/Driving License/Voter ID Card/Any other valid ID proof Passport/PAN card/Driving License/Voter ID Card/Any other valid ID proof
Address Proof Electricity bill/telephone bill/Driving License/Voter ID Card/Passport/Any other valid Address Proof Electricity bill/telephone bill/Driving License/Voter ID Card/Passport/Any other valid Address Proof
DOB Proof 10th class certificate/certificate of birth 10th class certificate/certificate of birth
Financial Docs
  • Last 3 months Salary Slip
  • Form 16 / Income Tax Return
  • Bank Statement for last 6 months from Salary Account 
  • Processing fee cheque
  • Income Tax Return / Computation of Total Income / Auditors Report / Balance Sheet / Profit & Loss Account certified by Chartered Accountant for last 3 years (3 years for Home Equity) (both for business and personal of partners/directors)
  • Bank Statement for last 6 month from operating account
  • Repayment Track record of existing loans / Loan closure letter
  • Board Resolution in case of a company
  • Proof of existence of Business
  • Office Address Proof 
  • Photo Identity Proof, Residence Address Proof, Signature Verification is required to be provided for all the main partners / directors.
  • Processing fee cheque

Other Charges : Home Loan

Loan Processing Charges / Renewal Charges:
0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi & Bangalore), whichever is higher + applicable Service Tax & Surcharge

Charges for late payment:
2% per month Home OD : 1.5% of the outstanding amount subject to minimum of Rs. 500/- & Maximum of Rs.5000/-

Charges for changing from fixed to floating rates of interest:

0.5% of the principal outstanding plus applicable taxes

Charges for changing from floating to fixed rates of interest:

1.75% of the principal outstanding plus applicable taxes

Cheque Swap Charges:
Rs. 500

Document Retrieval Charges:

Rs. 500

Cheque bounce charges:

Rs. 500

Statement of Account:

Rs. 100 per statement

Products offered by ICICI Bank

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Testimonial

I have alredy got one house loan deal though Loanboss.com. After my pleasant experience with the site, I have also suggested my relatives and friends to apply for any loan in future through this website only. I love the way you give details of every information that a person needs before going for a loan.

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Amardeep

 

- Amardeep

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