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Benefits of pre-approved home loans
Planning to take a house is one of the crucial decisions that can affect one’s financial situation grossly. But the vision to own your house, is an achievement in itself.
HOME LOAN
Getting a home loan from ICICI Bank is quick and easy. We offer higher eligibility and lower EMIs at attractive interest rates.
Moreover, application processing through our TABLET and Smart phone applications ensures faster approval of your home loan.
Preapproved Home Loan
Make your dream home a reality with ICICI Bank pre-approved home loans. Please click here to check your pre-approved home loan offer.
Pre-approved Home Loan offers are extended to selected existing customers of ICICI Bank. Existing customers also get the benefit of reduced documentation.
Pradhan Mantri Awas Yojana
ICICI Bank is pleased to offer "Credit Linked Subsidy Scheme" for EWS and LIG categories under Pradhan Mantri Awas Yojana. The scheme was announced by our honourable Prime Minister Narendra Modi and envisages the vision of housing for all by the year 2022.
Affordable Home Loans at effective rates as low as 5.14% per annum
Calculated on a loan amount of Rs. 25 lakh for a first-time home buyer with an annual family income of Rs.15 lakh and rate of interest of 9.10% per annum considering subsidy of Rs. 2.30 lakh under Pradhan Mantri Awas Yojana (PMAY). The effective interest rate may vary based on the loan amount, PMAY subsidy and applicable income tax slab. The effective rate is applicable for the first year only.
E.g. If your annual family income is Rs. 15 lakh and you avail a home loan of Rs. 25 lakh from ICICI Bank with Credit Linked Subsidy Scheme (CLSS) of PMAY, then you would receive a subsidy of Rs. 2.30 lakh. Also on your above income, you would be able to avail income tax benefit of Rs. 72,244 for a year. Therefore, though the interest rate applied to your loan account is 9.10% per annum, the effective interest rate would be 5.14% p.a. for the first year considering the above benefits.
Balance Transfer
Lower your EMI burden and save money by transferring your existing home loan to ICICI Bank.
Loan Against Property
Unlock the value of your property to avail funds for your personal and business requirements.
Loan Against Property is available at an attractive rate of interest, which makes it easy to be repaid through comfortable EMIs over as many as 15 years. Click here to know more.
Top Up loan on your Home Loan
Planning to redecorate your home or thinking of funding your child’s higher education or simply wanting to take that dream vacation, a top-up loan on your existing Home Loan could be the perfect solution.
- 30 Year Home Loan
- ICICI Bank Home Overdraft
- Home Loan Insurance
30 Year Home Loan
Now add wings to your imagination and get your dream home with ICICI Bank 30 - year Home Loans. With a longer repayment tenure, you can avail higher loan amount and still keep your EMIs small.
- Higher loan amount
- Simplified documentation
- Doorstep Service
30 year Home loans are available for women borrower and for applicants working for select group of companies
ICICI Bank Home Overdraft
ICICI Bank introduces a multipurpose Home Overdraft facility on your Mortgage Loan. ICICI Bank Home Overdraft will now give you the flexibility to access funds at your convenience.
Home Loan Insurance
ICICI Bank Home Loans presents "Home Safe" & "Loan Protect", two exclusive and innovative insurance plans to insure your Home Loan. Click here to know more.
Home loan insurance supports your family in paying for the outstanding home loan amount in the face of any unforeseen event happening to your life.
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