आईसीआईसीआई बैंक (ICICI) Bank Pratham सस्ता होम लोन (गृह ऋण)
ऋण प्रदाता बैंक / संस्थान: ICICI Bank Ltd.
Up to ₹50 Lakh home loan at 8.75% – 9.75% with Up to 20 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Affordable housing loan product designed for low-to-middle income families purchasing affordable apartments in peripheral urban clusters.
प्रमुख लाभ एवं विशेषताएं
Simplified underwriting; accepts bank statement analysis without extensive financial statements; transparent pricing; PMAY subsidy linkage.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
First-time home buyers with monthly household income starting from ₹15,000.
संपत्ति एवं तकनीकी शर्तें
Affordable housing project approved by municipal or development authority.
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.
🚀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/pratham-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 Pratham Affordable Home Loan?
The maximum repayment tenure offered for ICICI Bank Pratham Affordable Home Loan is Up to 20 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for ICICI Bank Pratham Affordable Home Loan?
The processing fee is 1.00% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for ICICI Bank Pratham Affordable Home Loan?
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 Pratham Affordable Home Loan 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.