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ICICI Home Loans

ICICI Bank is one of the most preferred home loan providers in India. If you’re contemplating about going for a home loan to purchase your dream home, you should take ICICI home loans into account. These loans can offer unparalleled benefits including doorstep service, minimal paperwork and home loan counseling.

About ICICI home loans

ICICI home loans are one of the most competitive home loan products in India that come with a slew of benefits and attractive terms. Home loans from ICICI Bank are offered with flexible repayment terms to suit the budget of the borrowers.

The goal of ICICI Bank is to always help you find the most competitive loan offer without any difficulties. As one of the major home loan providers in India, ICICI Bank recognizes how important purchasing a new house is for you and the home loan offered by ICICI Bank can get you closer to this house than you imagine.

ICICI Bank home loan programs are perfectly tailored to fit your requirements. These loans come with a host of attractive benefits and features. Find here important features of ICICI Bank home loans.

Special feature of ICICI Bank home loans
  • Home loan amounts suitable for your needs
  • Counseling during the whole loan procedure
  • Minimum paperwork
  • Home loan repayment terms upto 20 years
  • Loan is sanctioned even before choosing a property
  • Doorstep delivery of home loan documents
  • Insurance plans for your home loan at affordable premium costs
  • Free Personal Accidental Insurance Cover (terms and conditions apply)

ICICI Home Loan Rates

When you are going for a home loan, the most important thing that should come in your mind is the current interest rates in the market. ICICI home loan rates are the most competitive and attractive rates in the market. To get some more information about the interest rates more

ICICI Home Loan Insurance

ICICI Home loan insurance facility is designed to provide cover to the home loan borrower and proves to be beneficial in case of occurrence of any unexpected event in his/her life. It also offers two unique insurance plans to meet your home loan insurance needs. More

ICICI Home Loan Calculator

In order to assist the home loan borrowers, ICICI bank has made the task of EMI calculation effortless by offering two key tools for computing the monthly installments. One is Adjustable Rate Home Loan EMI Calculator and other is Fixed Rate Home Loan EMI Calculator. More

Irrespective of your need, there is a suitable home loan option for you. ICICI Bank home loans are ideal home financing options through which you can get the best possible home buying deal.

Eligibility criteria for ICICI Bank home loans

Both resident and non resident Indians (NRIs) can qualify for loans offered by ICICI Bank. Resident Indians who can qualify for these loans comprise both salaried and self employed individuals. On the other hand, non resident Indians who are salaried individuals are only eligible for these loans. Given below are the eligibility criteria for ICICI Bank home loans:

  • You should be minimum 21 years of age at the time the loan is approved.
  • You should be working or self-employed with a steady source of income.
  • The loan has to be paid off earlier than or when you attain 65 years of age or prior to your retirement, whichever comes in the first place.

How much can you borrow as an ICICI Bank home loan?

The loan amount offered by the bank is limited to a maximum of 80% of the construction cost or property value as appropriate. Nevertheless, the loan amount is dependent on your repayment capacity. For evaluating your repayment capacity, ICICI Bank takes into account factors like your age, income, educational qualifications, income of spouse, number of dependents, liabilities, assets, steadiness of job, permanence of employment and savings record.

Documents necessary to apply for an ICICI Bank home loan

Listed below are the important documents that you need to furnish while applying for an ICICI Bank home loan:

  • Photograph
  • Properly filled out application form
  • Photo Identity Proof
  • Fee cheque
  • Residential Address Proof
  • Signature Verification Proof
  • Property documents as necessary

Documents necessary for salaried individuals

  • Salary slips for the past 3 months
  • Bank Statement for past 6 months from salary account
  • Form 16
  • Repayment information on any current loans or loan closure letter

Documents necessary for self employed individuals
  • Bank Statement for past 6 months from operating account
  • Calculation of Total Income/Income Tax Return/Balance Sheet/Auditors Report/ Profit & Loss Account attested by Chartered Accountant for the past 2 years (3 years for Home Equity) (both for individual and business of directors/partners)
  • Board resolution for a company
  • Repayment information on current loans or loan closure letter
  • Office address proof
  • Proof of continuation of the business entity
  • Photo Identity Proof, Signature Verification and Residential Address Proof should be furnished for all the principal directors/partners

ICICI Bank Home Loan Customer care

The ICICI customer care service includes - the 24 hour helpline service, helpdesks for assistance at all ICICI bank branches, ATMs and drop boxes. Call on the 24 hour helpline service from anywhere in India on this toll free number: 1800-22-4848. More

Home Loan Calculator

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