Achieve your dream of buying home with our tailored home loan solutions using modern technology and artificial intelligence.
Our Bank Partners offer up to Rs 5 crore* Home Loan online, providing ample financing options for diverse housing needs.
Our streamlined documentation process liberates you from excessive paperwork, accelerates approval and amplifies convenience for applicants.
Receive swift pre-approval, enabling confident home purchases with no delays, streamlining the buying process. *T&Cs.
Our Home Loan offers flexible tenure and repayment options, allowing borrowers to choose a schedule that suits their finances and preferences for affordability and convenience.
We offer early loan repayment without foreclosure charges, giving borrowers financial flexibility to clear debts ahead of schedule at no extra cost. *T&Cs
Enjoy the security of stable fixed interest rates, ensuring predictable monthly repayments and peace of mind.
Determining your eligibility for a Home Loan is crucial before initiating the application process. This eligibility table will outline the key factors lenders consider, including income, credit score, employment status, age and property value, helping you assess your likelihood of approval and plan your home purchase journey effectively.
Eligibility Criteria | Salaried and Self-Employed |
|---|---|
Income Criteria | Minimum salary for ICICI Bank Home Loan: Rs 25,000 |
Age Criteria | Minimum: 21 years, Maximum: 70 years |
Loan Tenure | Up to 30 years |
Loan Amount | No cap, depending on your eligibility |
Nationality | Indian |
Explore Home Loan Interest Rates and Charges with the table given, outlining the costs and rates involved in securing your home financing.
Pre-approved customers at ICICI Bank stand to benefit from preferential Home Loan rates, which are lower than standard rates. These rates are tailored to reward loyalty and financial stability *T&Cs. Subject to bureau score. Applicable to customers with pre-approved Home Loan offer only.
Current Home Loan Interest Rate | 8.75%* p.a. |
Special Home Loan interest rates, often lower than standard, are offered for a limited time or to eligible customers, serving as incentives or promotional offers. Below are the special Housing Loan interest rates:
CIBIL | Salaried | Self-Employed |
|---|---|---|
>800 | 9.00% | 9.00% |
750-800 | 9.00% | 9.10% |
Standard Home Loan interest rates apply uniformly to all applicants, determined by market conditions and creditworthiness. Below are the standard Housing Loan interest rates:
Loan Slab | Salaried | Self-Employed |
|---|---|---|
Up to ₹ 35 lakhs | 9.25% – 9.65% | 9.40% – 9.80% |
₹ 35 lakhs to ₹ 75 lakhs | 9.50% – 9.80% | 9.65% – 9.95% |
Above ₹ 75 lakhs | 9.60% – 9.90% | 9.75% -10.05% |
Home Loan Fees & Charges | ||
Processing Fees | 0.50% of the loan amount plus applicable taxes | |
Prepayment Charges | As Per Bank* | |
The above rates are linked to Repo Rate:
* Current Repo rate 6.50%.
* Valid till 30th Nov, 2024
Identity Proof/Address Proof: Aadhaar, Passport, Driving License, Voter ID, National Rural Employment Guarantee Act (NREGA) Card, Letter from the National Population Register (NPR) containing details of your name and address
DOB Proof: Passport, Driving License, Voter ID, NREGA Card, Letter from the NPR containing details of your name and address.
Income Proof: Salaried
Latest Form 16
Latest one-month salary slip
Bank statements of the last <6> months.
Income Proof: Self-Employed Individuals
Last 6 months Bank statement of all operative accounts
Last 2 years CA Certified/Audited Income Tax Returns (ITR), Computation of income, Profit and Loss Account Statement and Balance sheet
GST return of the last 1 year.
Disclaimer : This is an indicative list only. Additional documents may be asked for a case-to-case basis.
Get your home loan with ICICI Bank Express Loans.
Transfer your home loan conveniently and get lower interest rates.
Enhance your eligibility for your first Home Loan
Withdraw your funds anytime and pay interest only on the utilized amount
Get A Top Up On Your Existing Loan
A unique loan for NRIs with low interest rate and special processing fees.
Need to buy a plot for your unique vision? Get Bank Land Loan now!
Your property can help you fulfil your dreams. Avail a Loan Against Property
Loan For Purchase / Construction Of Commercial Property Up To 75%
Renovate your Home Loan with our Home Improvement loan
We are excited to serve you and fulfill your dream with best property in town
Fill out this form and one of our agents will be in touch with you soon
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet
Compare listings
Compare
