भारतीय स्टेट बैंक (SBI) Realty होम लोन (गृह ऋण) (प्लॉट खरीद)
ऋण प्रदाता बैंक / संस्थान: State Bank of India (SBI)
Up to ₹15 Crore home loan at 8.75% – 9.65% with Up to 10 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Plot loan providing credit for purchasing a residential plot from government development authorities (BDA, DDA, HUDA) or approved private gated layouts with construction mandate.
प्रमुख लाभ एवं विशेषताएं
Allows securing prime residential land; separate housing loan available for subsequent construction; high loan ceiling up to ₹15 Crore.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Resident Indian citizen with proven income stability; plot must be demarcated in a non-agricultural approved layout.
संपत्ति एवं तकनीकी शर्तें
Residential plot in statutory authority layout or approved private development.
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. Construction of dwelling unit must commence within 5 years.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://sbi.co.in/web/personal-banking/loans/home-loans/sbi-realty 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 SBI Realty Home Loan (Plot Purchase)?
The maximum repayment tenure offered for SBI Realty Home Loan (Plot Purchase) is Up to 10 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for SBI Realty Home Loan (Plot Purchase)?
The processing fee is 0.35% (Min ₹2,000, Max ₹10,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for SBI Realty Home Loan (Plot Purchase)?
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 SBI Realty Home Loan (Plot Purchase) 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. Construction of dwelling unit must commence within 5 years.