बैंक ऑफ इंडिया Star Diamond होम लोन (गृह ऋण) (High मूल्य)
ऋण प्रदाता बैंक / संस्थान: Bank of India
₹50 Lakh to ₹20 Crore home loan at 8.40% – 9.05% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Premium home loan product for high-net-worth salaried professionals and established corporate executives purchasing luxury residential property.
प्रमुख लाभ एवं विशेषताएं
Concessional interest rate for high-value loans; dedicated relationship manager; discounted processing fee; priority legal appraisal.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Senior corporate executives, doctors, CAs, and business owners with net annual income exceeding ₹12 Lakh.
संपत्ति एवं तकनीकी शर्तें
RERA registered luxury condominium, villa, or premium gated community.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Nil prepayment penalty for floating rate home loans as per RBI mandate
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible. Minimum loan ₹50 Lakh.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://bankofindia.co.in/star-diamond-home-loan with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure available for BOI Star Diamond Home Loan (High Value)?
The maximum repayment tenure offered for BOI Star Diamond Home Loan (High Value) is Up to 30 years, subject to borrower's age not exceeding 70 years at loan maturity.
What are the processing charges and prepayment rules for BOI Star Diamond Home Loan (High Value)?
The processing fee is 0.15% (Max ₹15,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for BOI Star Diamond Home Loan (High Value)?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does BOI Star Diamond Home Loan (High Value) require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible. Minimum loan ₹50 Lakh.