ICICI Bank Standard Home Loan
Primary Lending Institution:ICICI Bank Ltd.
Up to ₹30 Crore home loan at 8.50% – 9.35% with Up to 30 years tenure.
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without formal conversion orders.
What is ICICI Bank Standard Home Loan?
Fast, technology-led home loan offering 100% digital sanction via iMobile and net banking for pre-approved customers.
Key Benefits & Features
Instant digital in-principle sanction letter in 5 minutes; 30-year repayment tenure; floating rate linked to RBI Repo rate; express legal verification.
Property & Project Eligibility Requirements
Approved residential builder project, society flat, or self-construction with sanctioned map.
Borrower Eligibility Criteria
Salaried or self-employed individuals with monthly income ≥ ₹25,000.
How to Apply (3 Verified Paths)
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 with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
Documents Required Checklist
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.
Frequently Asked Questions
What is the maximum loan tenure available for ICICI Bank Standard Home Loan?
The maximum repayment tenure offered for ICICI Bank Standard Home Loan is Up to 30 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for ICICI Bank Standard Home Loan?
The processing fee is 0.50% to 1.00% (Min ₹3,000) + 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 Standard 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 Standard 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 without formal conversion orders.