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Features & Benefits of Pre-Approved Home Loan:

Exclusive Pre-Approved offer only for Select /Premium customers

Home Loan sanction in a few clicks

No documents required at the time of loan sanction

Exclusive offer for top corporates

How it works?

  • ICICI Bank generates the offer on the basis of customer relationship/income
  • You have the option to download the sanction letter instantly
  • The sanction letter can be downloaded even if a property is not identified
  • The sanction letter has a validity of 6 months, which means you get 6 months to identify a property
  • Once the property is identified, you need to provide the required documents for disbursement
  • After the documentation is complete, along with important checks like legal and technical, the Home Loan disbursement process begins.

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ICICI Bank Home Loans | Steps for availing Pre-approved Home Loan through iMobile
ICICI Bank Home Loans | Steps for availing Pre-approved Home Loan through iMobile

Watch the video to find out how to avail your ICICI Bank Instant Home Loan

Instant Home Loan has an instant sanction for those having a Pre-approved Home Loan offer. To avail this, you need to generate a Home Loan sanction letter online in just a few clicks. Below are the steps to generate the sanction letter: 

  • View and select your Pre-approved Home Loan offer on iMobile Pay/Express Home Loan
  • Pay a discounted processing fee 
  • Download your sanction letter 

The sanction letter will be valid for a period of 6 months from the date of generation.

You can generate the sanction letter even if a property is not identified. Since the letter has a validity of 6 months, you need to identify a property within this period.

You can check your pre-approved offers with ICICI Bank in the following ways:

a. iMobile Pay – a) Login b) Click on Loans c) The offer will be visible

b. Express Home Loan – a) Verify your relationship with the Bank b) Validate through OTP c) The offer will be visible

The sanction letter is valid for a period of 6 months during which you can avail instant Home Loan disbursement.

The maximum loan amount is based on your salary and existing obligations. The loan amount will be displayed when you log in to iMobile Pay to avail the offer. However, the maximum loan one can avail is Rs 5 crore.

The maximum tenure is 30 years. However, the offer tenure based on your age will be displayed on the offer page. You can reduce the tenure if required but cannot increase it beyond the offer tenure.

If you need a higher loan amount, you need to add the income of spouse or other blood relatives which is acceptable as per ICICI Bank. For a loan amount higher than the pre-approved offer amount, you can apply for the same on Express Home Loan.

Yes. You are required to submit the following documents at the time of the disbursement: 

  • Property documents of the proposed property 
  • Disbursement documentation (our executives/branch sales managers will assist you) 
  • Any other document as per the conditions mentioned in your sanction letter or as per the property identified

In case you reduce the offer tenure, your loan offer amount will get reduced according to the tenure so that the overall Equated Monthly Instalment (EMI) remains the same.

Scan to check your pre-approved offer