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Home Loan not enough? Take a Top-Up Loan
If your Home Loan isn’t sufficient to meet all the financial requirements of your home
Home Loan
Buying a house is a dream for many and involves a lot of financial planning. ICICI Bank Home Loans makes it simpler for those who want to realise this dream.
We at ICICI Bank Home Loans offer you Home Loan solution and information to either purchase/construct a new home, or renovate an existing one.
Features and Benefits of Home Loan
Types of Home Loans
Pradhan Mantri Awas Yojana (PMAY)
Affordable Home Loans at subsidized interest rates with Pradhan Mantri Awas Yojna
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Home Loan Balance Transfer
Reduce your financial burden with ICICI Bank’s Balance Transfer
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Instant Home Loan Approval
Get Home Loan sanction letter in few seconds, offer exclusive for salaried customers
Know MoreHome Loan Finder
Things to Consider Before Buying A House
The journey towards your dream home
Flying to your new place every day seems like an exciting way to live. But even birds need a place to come to a nest of their own.
We understand how critical it is to choose the right home and how important it is to you and your flock. That is why we are here to help you to build your dream nest.
Home Loan Services
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Frequently Asked Questions (FAQs) for Home Loan
How do I apply for a Home Loan?
You can apply for ICICI Bank Home Loan through our website www.icicibank.com or visit the nearest ICICI Bank branch.
How is Equated Monthly Instalment (EMI) of Home Loan calculated?
Banks and financial institutions, in general, calculate Equated Monthly Instalment (EMI) of a Home Loan through a common mathematical formula. Hence, EMI is calculated basis loan amount, tenure and interest rate. Bank will take the outstanding loan amount at the end of each month and multiply it by the interest rate that applies to your loan, then divide that amount by 12. To calculate Home Loan EMI, click here.
What is a Home Loan?
Funds provided to an individual / entity for purchase construction extension or renovation of a residential property is called a Home Loan.
What are the documents required for applying for a Home Loan?
Documents required for applying for Home Loan are loan application form, address proof, identify proof and your financial documents. To know more, click here.
What are the parameters for arriving at Home Loan eligibility?
Home Loan eligibility is calculated after considering various factors including monthly income, fixed monthly obligation, current age, retirement age, etc. Your Home Loan eligibility can also be considered as an indicator of your Home Loan affordability. To check your eligibility, click here.
What do you understand by floating rate of interest in Home Loan?
Under floating rate of interest, loans are linked to benchmark rate. Hence, whenever bank increases or decreases the benchmark rate, the interest rates of the loans will fluctuate and accordingly the EMI or tenure of the loan will increase or decrease.
What do you understand by fixed rate of interest in Home Loan?
A fixed rate of interest on a loan would mean that the interest rate of the loan would remain fixed throughout the tenure of the loan and hence, the EMI of the loan would remain fixed.
Is there any tax benefit available on Home Loans?
Yes, you can claim deductions in your income tax return against principal and interest payments that you make towards repayment of your Home Loans. The type and amount of income tax deduction available against repayment of Home Loan is governed by applicable Income Tax Laws of Government of India.
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