ICICI Bank Home Loan
ICICI Bank Home Loan is the one-stop solution for acquiring your dream home. The ICICI Home Loan has many interesting features, like low-interest rates, minimal documentation, and long repayment tenure. The ICICI Home Loan has been designed to suit your needs in buying your dream house.
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Check ICICI Bank Home Loan Eligibility
Home Loan Banks | Interest Rate | Processing Fee | Rating | Loan Amount/Tenure | |
|---|---|---|---|---|---|
Quick Approvals ICICI Bank Home Loan | 9.25% - 10.05% | 0.5% | ₹3L - ₹75L Tenure(5 - 30 Years) | Details |
Features and Benefits of ICICI Bank Home Loan
Given below are some of the features and benefits of an ICICI Bank home loan:
- There are no foreclosure or prepayment charges for floating interest rate home loans.
- You can track your loan application status using the Trackmyloan Application option on the official website.
- Fast and hassle free processing.
- Premium banking customers get special benefits.
- ICICI bank offers an option of repaying in smaller installments and then gradually stepping up over a 30 year tenure.
- Affordable interest rates.
- Multiple home loan products to meet every requirement.
- Transfer home loan from another bank to ICICI for lower interest rates.
ICICI Bank Home Loan Overview
ICICI Bank is one of the leading banking service providers in the country, offering home loans with reasonable interest rates and flexible loan tenure. It offers home loan products with interest rates starting at 8.85% p.a. Additionally, the bank also offers lenient repayment tenure of upto 30 years. Depending on the applicant’s eligibility, ICICI bank sanctions loans of upto Rs. 75 lakhs.
- Affordable interest rates
- Quick and hassle-free loan disbursal
- Flexible repayment schedule
ICICI Bank Home Loan Eligibility Criteria
- Any salaried individual in the 21 to 60 years age group and self-employed individual in the 21 to 65 years age group are eligible to avail an ICICI bank home loan.
- New and existing customers.
- Indian citizens.
ICICI Bank Home Loan Fees and Charges
The below given table shows the various fees and charges associated with ICICI Bank home loans:
| Category | Fees |
| Loan Processing Charges / Renewal Charges (Non Refundable) | 0.5% to 2% of the approved loan amount |
| Prepayment Charges |
|
| Late Payment Charges | 2% per month |
| Cheque/AD/ECS bounce charges | Rs. 500/- |
| Administrative charges | Rs. 5000 |
| Cash transaction charge for repayment of EMI dues at bank branches | Rs. 100 |
Documents Required for ICICI Bank Home Loan
Given below are the documents required to avail a home loan from ICICI bank:
Salaried Applicants
| Completed application form with photograph | Salary slips from the previous 3 months |
| Age, identity and address proof documents | Cheque for processing fee |
| Bank statements from the last 6 months | ITR or Form 16 |
Self-Employed Professionals
| Completed and duly signed application form with photograph | Form 16 or ITR |
| Age, residence and identity proof documents | ITR from previous 3 financial years with income computation |
| Bank statements from the previous 6 months | Education qualification certificate |
| Cheque for processing fee amount | Audited balance sheet from the previous 3 financial years |
Self-Employed Non-Professional
| Completed and duly attested application form with photograph | ITR or Form 16 |
| Residence, age and identity proof documents | Business Profile |
| Bank statements from the previous 6 months | ITR with income computation from previous 3 financial years |
| Cheque for processing fee amount | Audited balance sheet from the previous 3 financial years |
ICICI Bank Customer Care Details
The table given below shows how you can contact ICICI Bank customer care:| Phone Number | 1860 120 7777 |
| E-Mail Address | customer.care@icicibank.com |
| By Post | ICICI Bank Limited ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032. |
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Home Loan By Other Banks
- Axis Bank Home Loan
- Bank of Baroda Home Loan
- HDFC Bank Home Loan
- Bajaj Finserv Home Loan
- IndiaBulls Home Loan
- Canara Bank Home Loan
- YES Bank Home Loan
- DHFL Home Loan
- CITI Bank Home Loan
- Union Bank of India Home Loan
- IndusInd Bank Home Loan
- Federal Bank Home Loan
- State Bank of India Home Loan
- IDFC FIRST Bank Home Loan
- Hero FinCorp Home Loan
- Punjab National Bank Home Loan
- IDBI Bank Home Loan
- Kotak Bank Home Loan
- Muthoot Finance Ltd Home Loan
- Punjab National Bank Housing Finance Home Loan
- RBL Bank Home Loan
- Godrej Housing Finance Home Loan
- Tata Capital Housing Finance Limited Home Loan
- HDFC Sales Home Loan
- Indian bank Home Loan
- Vastu Housing Finance Home Loan
- Capital First Ltd. Home Loan
- Home First Finance Company Home Loan
- Hero Housing Finance Home Loan
- Clix Capital Home Loan
- Aditya Birla Finance Limited Home Loan
- Housing Development Finance Corporation Home Loan
- L&T Finance Home Loan
- HSBC Home Loan
- LIC Housing Finance Home Loan
- Reliance Capital Home Loan
- Bank of India Home Loan
- IIFL Finance Home Loan
- Piramal Housing Finance Home Loan
- Edelweiss Financial Services Home Loan
- Fullerton India Home Loan
- Poonawalla Fincorp Limited Home Loan
- Aadhar housing Finance Home Loan
- DCB Bank Home Loan
- Capri Global Home Loan
- Punjab & Sind Bank Home Loan
- karnataka bank Home Loan
- Bank of Maharashtra Home Loan
- Ujjivan Small Finance Bank Home Loan
- Axis Finance Limited Home Loan
- Cholamandalam Finance Home Loan
- Deutsche Bank Home Loan
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FAQs
From refinancing to reducing your interest, we have the answers right here.
How do I apply for an ICICI Bank home loan?
You can apply for an ICICI Bank home loan on the bank’s official website. Alternatively, you can also apply for a home loan by visiting your nearest ICICI Bank branch.
What are the basic parameters for determining ICICI Bank home loan eligibility?
ICICI Bank determines your home loan eligibility based on several factors like income, existing obligations, age, potential retirement age, etc.
What is the floating interest rate?
A floating rate of interest is linked to the market benchmark rate. The ICICI Bank home loan interest rate is linked to Repo Rate which is decided by the Reserve Bank of India. This means that the interest rate changes with any change in the Repo Rate.
Are there any tax benefits of ICICI Bank Home Loan?
Yes, you can claim tax benefits with respect to the repayment of principal and interest amounts. The limit of deductions on such amounts are dictated under the Income Tax Act.
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