subject: Icici Bank Home Loan - Loan To Fulfill Your Dream [print this page] When it comes to your dream home, you always want to avail the deal that suits your need and budget. ICICI Bank takes special care and attention to cater every segment. As a leading home loan provider the lender understands the anxiety you go through while buying a property. ICICI Bank has a team of committed experts to guide you at every step of your loan.
Features & Benefits of ICICI Home Loan:
Attractive Home Loan Rates
No charges on part prepayment of your Home Loan
Top Up Loan and Home Improvement Loan facility available on existing Home Loan
Home loan amounts suited to your needs
Home Loan tenure up to 25 years
Simplified Documentation
Doorstep service
EMI Under Construction
Sanction approval without having selected a property
Free Personal Accident Insurance policies
Insurance options for your home loan at attractive premium
Vast database of properties
Purposes of ICICI Bank Home Loan:
To purchase a new home
Home Improvement Loan
Balance Transfer
Construction Loan
Land Loan
Gone are the days when borrowers had to visit the bank branch to understand his loan eligibility. ICICI Home Loan Eligibility Calculator is a system generated online tool designed by the financier to make possible for borrowers to do a self computation and get a fair idea of the possible loan amount. The amount of home loan a borrower is eligible for depends on factors like his / her occupation (whether you are salaried/ self-employed), income, other running debts, the applicable interest rate charged and the tenure of the loan (borrowers age).
Eligibility criteria for ICICI Bank Home Loan:
At least 21 years of age at the time of loan sanction
Maximum permissible age at the termination of the loan is 65 years of age or age of retirement, whichever is earlier.
Minimum age of co-applicant should be 18 years
Salaried or self-employed with a regular source of income
The lender allows to club spouses income to increase the eligibility limit and make him / her co-applicant in the loan. However, every customer's eligibility is different. The lender funds a maximum of 80% of the property cost. ICICI caters both Resident Indians and NRI clients.
ICICI Bank acknowledges the fact that it is essential to provide good customer service to meet the cut throat competition and to retain customers. To sustain in the market without providing proper customer service is impossible these days. ICICI Home Loan Customer Care firmly believes that a good customer service experience can change the entire perception of a customer for an organization. Dependability is a key to any good relationship, and good customer service is no exception. The Bank makes strict commitment to the clients for customer support round the clock.
To guarantees your peace of mind and hence takes necessary measures to validate that the proposed property is marketable i.e. free from all litigations. ICICI Bank Home Loan presents "HomeSafePlus and "Home Assure/ Health Assure" two special insurance plans to insure borrowers. These plans would shield the family in case of the borrowers unfortunate demise within the loan tenor.
