आईसीआईसीआई बैंक (ICICI) Bank Extra होम लोन (गृह ऋण) (Backed द्वारा IMGC)
ऋण प्रदाता बैंक / संस्थान: ICICI Bank Ltd.
Up to ₹2 Crore home loan at 8.65% – 9.50% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Mortgage guarantee-backed home loan in partnership with India Mortgage Guarantee Corporation (IMGC), allowing up to 20% higher loan eligibility.
प्रमुख लाभ एवं विशेषताएं
Up to 20% increase in sanction amount; extended repayment tenure up to age 67 for salaried applicants; lower monthly EMI burden.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Salaried professionals seeking higher eligibility than conventional debt-to-income limits allow.
संपत्ति एवं तकनीकी शर्तें
Approved society apartment or ready-to-move builder floor.
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. IMGC guarantee premium applies.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.icicibank.com/personal-banking/loans/home-loan/extra-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 ICICI Bank Extra Home Loan (Backed by IMGC)?
The maximum repayment tenure offered for ICICI Bank Extra Home Loan (Backed by IMGC) is Up to 30 years, subject to borrower's age not exceeding 67 years at loan maturity.
What are the processing charges and prepayment rules for ICICI Bank Extra Home Loan (Backed by IMGC)?
The processing fee is 0.50% + GST + Mortgage Guarantee Fee. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for ICICI Bank Extra Home Loan (Backed by IMGC)?
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 ICICI Bank Extra Home Loan (Backed by IMGC) 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. IMGC guarantee premium applies.