Home Loan

Make your dream of owning a house come true with ICICI Bank Home Loans.

We bring you multiple home financing options well suited to meet your budget and various needs. Whether you wish to purchase a house, construct a home, or renovate and redecorate your existing space, we have it all. Enjoy affordable interest rates, instant processing and easy repayment options with exclusive Home Loans from ICICI Bank.

For details, give us a missed call on 9022499400

For details, give us a missed call on 9022499400

Check your Eligibility Calculate your EMI Home Loan finder

Features and benefits of our home loans

Home loans from ICICI Bank come packed with many features and benefits. Here is a quick look at some of these perks.

TrackMyLoan feature

Track status of your loan application online

Affordable EMIs

Get low Equated Monthly Instalments (EMIs) with loan tenures as long as 30 years.*

Step up loan option

Enhance your loan eligibility with this facility

PMAY

Enjoy the benefits of interest subsidy offered to first-time home-buyers.*

Home Loan Approved Projects

Book your dream home online, choose from a vast database of 40K+ ICICI Bank approved projects by leading developers across 44 locations in India.

What's more? Get online Home Loan sanction from ICICI Bank and get a step closer to your dream home.

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Types of Home Loans

Pradhan Mantri Awas Yojana (PMAY)

You can get subsidy benefit of up to ₹2.67 lakh* on home loan from the Government, if you meet the norms of the Pradhan Mantri Awas

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Balance Transfer

You can reduce your financial burden and enhance savings with ICICI Bank Balance Transfer.

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Instant Home Loan

Existing ICICI Bank customers can get instant sanction on their pre – approved home loans in a few clicks.

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Make the journey towards your dream home

The journey towards your dream home begins with a few careful and well-planned steps.

After all, flying to a new place every day may seem like an exciting way to live. But even birds need a nest of their own and a place to call home.

At ICICI Bank, we understand how important it is to choose the right home and how essential it is for you and your flock to live in a place you love. That is why we are here to help you build your dream nest.

Interested to know more about the landmarks along your journey to your dream home? Click the button below.

Home Loan Services

Track Loan Status

Track your loan status online anytime, anywhere with our TrackMyLoan service

Mortgage Affinity Banking

Enjoy end-to-end assistance from our dedicated team of Home Loan experts

Request A Callback

Please fill in these details, so we can call you back and assist you.

Need Assistance?

If you need more assistance, we are here for you. Here is how you can get in touch with us.

Missed call number 9022499400

Email us : customer.care@icicibank.com

Frequently Asked Questions (FAQs) about home loans

What is a home loan?

A home loan is essentially a financing option where funds are provided to an individual or an entity for the purchase, construction, extension, or renovation of a residential property.

How do I apply for a home loan?

You can apply for a home loan from ICICI Bank through our website (www.icicibank.com). Or, you could visit the branch of ICICI Bank that’s nearest to you to submit your application for a loan.

How is the Equated Monthly Instalment (EMI) for a home loan calculated?

The EMI is calculated on the basis of specific factors like the amount of the loan, its tenure and the rate of interest.

To calculate the EMI for your home loan, click here.

What are the documents required to apply for a home loan?

To apply for a home loan, you need to submit documents such as a proof of identity, a proof of address, a loan application form that has been duly filled and your financial documents. To know more about this, click here.

What are the parameters that determine my eligibility for a home loan from ICICI Bank?

We determine your eligibility after considering various factors, including your monthly income, your monthly financial obligations, your current age and your retirement age, among other things. To check if you’re eligible for our home loan, click here.

What is the meaning of a floating rate of interest on a home loan?

A floating rate of interest is linked to a benchmark rate. As per guidelines of RBI, floating rate Home Loans from banks are linked to external benchmark rates. ICICI Bank’s floating rate of interest is linked to Repo Rate declared by RBI from time to time. So, rate of interest of your housing loan changes in line with the Repo Rate. As a result, the EMI or the tenure of your loan will increase or decrease, depending on the change in the rate of interest.

What is the meaning of a fixed rate of interest on a home loan?

A fixed rate of interest on a home loan means that the rate of interest does not change throughout the tenure of the loan. So, the EMI will also remain fixed.

Is there any tax benefit available on home loans?

Yes, you can claim the amount paid towards the repayment of the principal and the interest components as deductions in your income tax return. The limits on the amount deductible are governed by the applicable income tax laws.

Square Capital Advisory Services is a digital lending platform engaged as agent for Mortgage Loan sourcing.

Recommended Blogs on Home Loan

How to check PMAY status? Step-by-step guide

To boost the affordability of houses among the economically weaker sections of society, the Pradhan Mantri Awas Yojana (PMAY) scheme was introduced. If you have applied for the scheme, here's how you can check for the status.

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Right strategy to pay off the Home Loan faster

Home Loan is a long-term liability and it is generally a big-ticket size amount that stretches for 15 - 25 years. If you are looking to pay it faster, here are some strategies that you can implement.

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