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Buying your dream home is now simple and affordable. With ICICI Bank Pratham Home Loans, salaried and self-employed customers can benefit from a host of features to meet their financial needs.
Avail loan up to ₹50 Lakh and tenure up to 20 Years
Hassle-free documentation process
Minimum eligibility is 21 years
Balance Transfer from all Banks, HFCs & NBFCs
| Loan Amount | Rs 5 lakh – Rs 50 lakh |
|---|---|
| Loan type | Pratham Home Loans |
| Eligible profiles | Minimum: 21 Years Maximum: 70 Years |
| Eligible profiles | Salaried & Self-Employed |
| Tenure | Up to 20 Years |
| Slab | Floating Interest Rate |
|---|---|
| Up to 35L | 1 MCLR - 1Y + 1.35 % |
| More than 35L | 1 MCLR - 1Y + 2.05 % |
| Slab | Floating Interest Rate |
|---|---|
| Up to 35L | 1 MCLR - 1Y + 1.60 % |
| More than 35L | 1 MCLR - 1Y + 2.75 % |
Final rate is I-MCLR + margin where I-MCLR is 8.55%
*Valid till September 30, 2019.
| Loan type | Pratham Home Loans |
|---|---|
| Loan Processing Charges / Renewal Charges | 2.00 % + AT* |
| CIBIL Report Charges | Rs. 50 + AT* |
| Administrative Charges | Rs. 5000 + AT* or 0.25% + AT (whichever is lower) |
| Repayment Mode Swap Charges | Rs. 500 |
|---|---|
| Documents Retrieval Charges | Rs. 500 |
| Cheque / AD / ECS / Bounce Charges | Rs. 500 |
| Duplicate No Objection Certificate / No Due Certificate | Rs. 100 |
| Revalidation of No Objection Certificate | Rs. 100 |
| Late payment chargers - Home Loan | 2 % Per Month |
Following are all the documents required while availing the Pratham home loans:
| Documents Required | Salaried | Self-Employed | Self-Employed Professional |
|---|---|---|---|
| KYC and other documents required for all categories | |||
| Application Form with photograph duly signed | ✓ | ✓ | ✓ |
| Identity, residence and age proof | ✓ | ✓ | ✓ |
| Processing fee cheque | ✓ | ✓ | ✓ |
| Office address proof | - | ✓ | ✓ |
| Copy of title documents for the property being mortgaged | ✓ | ✓ | ✓ |
| Proof of business stability/existence | - | ✓ | ✓ |
| Business profile | - | ✓ | ✓ |
| Income documents required | |||
|---|---|---|---|
| For Salaried: Latest 6 months’ bank statement For Self Employed: Latest 12 months’ bank statement of the main operating account |
✓ | ✓ | ✓ |
| Latest 3 months’ salary slips / salary certificate / ITR | ✓ | - | - |
| Form 16 | - | - | - |
| Educational qualification certificate | - | ✓ | - |
| Latest 3 years’ Financials – a) Computation of Income b) Balance Sheet and Profit & Loss Accoun (with Schedules and Audit Report) – Audited or CA certified |
- | - | - |
| RTR for existing loans for last 12 months | ✓ | ✓ | ✓ |
Leave your details or give missed call to below number and we will get back to you
Missed call number 9022499400
Email us : customer.care@icicibank.com
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Pratham Home Loans can be availed by salaried employees with a minimum salary of ₹10,000 per month and by self-employed borrowers with a business vintage of 5 years.
Pratham loans can be availed for Home Loan (HL), Home Improvement Loan, Non Residential Premises (NRP) Loan and Balance Transfer of HL / NRP
The loan amount limit for Pratham Home Loans ranges between ₹5 Lakh and ₹50 Lakh.
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