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ICICI Home Loan for Government Employees

ICICI Home Loan for Government Employees

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ICICI Bank offers central and state government employees affordable home loans. The ICICI Home Loan for Government Employees assists with purchasing or constructing a new home or refinancing an existing loan. Any eligible borrower can comfortably apply for the loan via offline and online applications. The interest rate starts from 9% per annum. From residential to commercial lots in urban and rural settings, government employees can readily fund their dream homes using ICICI Bank’s reliable home loans.

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End-user (customer)hereby consents to Loantap financial technology being appointed as your authorized representative to receive your Credit Information from Equifax on an ongoing basis until the purpose of Credit Risk Assessment. is satisfied or the expiry of 6 months from the date the consent is collected; whichever is earlier.

This End User Agreement (the “Agreement” ) is made between you (the “User” or “You” ) and Urban Money Private Limited hereinafter referred to as “URBAN MONEY ”, a private limited company having its registered office at 1st Floor, Tower A, M3M Urbana Business Park, Sector 67, near M3M Urbana, Gurugram, Haryana 122001. (“Urban Money ”, “Us” or “We”, which term shall include its successors and permitted assigns). The User and URBAN MONEY shall be collectively referred to as the “Parties” and individually as a “Party”.

Table of Content

1. ICICI Home Loan for Government Employees Highlights

2. ICICI Home Loan for Government Employees Fees and Charges

3. ICICI Home Loan for Government Employees Documents Required

4. ICICI Home Loan for Government Employees Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 26th September 2024

ICICI Home Loan for Government Employees – Highlights

Here is a brief rundown of the ICIC Home Loan for Government Employees scheme.

Interest Rate	Starting from 9.00 % p.a
Maximum loan amount	Up to 80% of the property’s value
Loan tenure	5 years to 30 years
Maximum Loan-to-Value Ratio (LTV)	Upto 80% of the property’s value
Security	Mortgage of the concerned property

ICICI Home Loan for Government Employees – Fees and Charges

Applicants must know the following ICICI Home Loan for Government Employees fees and charges.

Fee/Charge	Amount
Login Fee	Rs 3000 + 18% GST
Processing Fee	2% of the loan amount + GST
Late Payment Fees	Rs. 500/-plus applicable taxes and other statutory levies, if any.
Prepayment Charges	2% + GST for fixed rate; Nil for floating rate

ICICI Home Loan for Government Employees – Documents Required

When applying for an ICICI Bank Home Loan as a government employee, you’ll need to submit crucial documents. This includes a completed application form with your signature and identity and residence proof such as Aadhaar Card, PAN Card, Voter ID Card, and any government-issued ID or job card. You’ll also need to provide income proof comprising the last 2 months’ salary slips, the latest Form 16, and a three-month bank statement.

ICICI Home Loan for Government Employees – Eligibility Criteria

This opportunity is open to individuals who are permanent or confirmed government employees, including retirees from government service. Applicants typically fall within the age bracket of 20 to 70 years when the loan matures.

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