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
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.
Affordable Home Loans at subsidized interest rates with Pradhan Mantri Awas YojnaKNOW MORE
Reduce your financial burden with ICICI Bank’s Balance TransferKnow More
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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.
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You can apply for ICICI Bank Home Loan through our website www.icicibank.com or visit the nearest ICICI Bank branch.
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.
Funds provided to an individual / entity for purchase construction extension or renovation of a residential property is called 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.
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.
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.
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.
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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