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.
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.
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.
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.
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.
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Lower your EMI burden and save money by transferring your existing home loan to ICICI Bank.
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.
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.
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Double Bonanza on Home Loans
‐ Enhanced eligibility of up to 20%*
‐ Low interest rate @ 9.10%* linked to MCLR, rates that auto reset*