ICICI Bank Home Loan

ICICI Bank provides attractive home loan options with interest rates beginning at 8.75% p.a. and a maximum tenure of 30 years. Eligible borrowers can secure loans up to ₹5 crore, suitable for various property-related purposes such as purchasing plots, constructing homes, renovations, and home extensions.

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ICICI Home Loan Eligibility

ICICI Bank Home Loan eligibility depends on the applicant’s income, employment status, age, and the nature and duration of employment.

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ICICI Home Loan Interest Rates

Employment	Interest Rate Range
Salaried Individuals	8.75% – 9.70%
Self-employed Individuals	9.05% – 9.85%

ICICI Home Loan Processing Fee and Charges

Fee Type	Charges
Processing Fees	0.50% of the loan amount plus applicable taxes
Administrative Charges	0.25 % of Facility Amount or ₹ 5000/- whichever is lower.
Late EMI Payment Charges	5% p.a. on overdue EMI + taxes
Statutory Charges	As per state laws
Check Bounce Charges	₹500 per instance

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ICICI Home Loan Schemes and Top Plans

ICICI Bank offers several home loan schemes to cater to diverse needs:

Feature	Home Loan	Loan Against Property	Home Loan Balance Transfer	Construction Loan	Plot Loan	Renovation Loan	Extension Loan	Top-Up Loan	Advantage Plus (Balance Transfer)	Pensioners Home Loan	Loan Against Property (LAP)
Minimum Loan Amount	–	–	–	₹1 lakh	₹1 lakh	₹1 lakh	₹1 lakh	₹1 lakh	₹1 lakh	₹1 lakh	₹2 lakh
Maximum Loan Amount	₹5 crore	₹5 crore	₹5 crore	₹15 crore	₹15 crore	₹15 crore	₹15 crore	₹15 crore	₹15 crore	₹15 crore	₹15 crore
Interest Rate	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	8.70% p.a. onwards	8.65% p.a. onwards	8.65% p.a. onwards	9.70% p.a. onwards	8.50% p.a. onwards	8.60% p.a. onwards	9.70% p.a. onwards
Tenure	Up to 30 years	Up to 15 years	Up to 20 years	Up to 30 years	Up to 30 years	Up to 30 years	Up to 30 years	Up to 20 years	Up to 20 years	Up to 30 years	Up to 15 years
Eligible Applicants	Salaried/Self-employed	Salaried/Self-employed	NRIs/PIOs	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Pensioners under DBPS	Salaried/Self-employed

Details

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ICICI Bank Home Loan Application Process

Here’s a quick guide to help you navigate the ICICI Bank Home Loan process effortlessly.

1. Check Eligibility: Use ICICI Bank’s calculator to quickly verify eligibility by entering your details.
2. Select Loan Amount & Tenure: Choose your loan amount and tenure (up to 20 years).
3. Submit Application: Fill in your details and submit the application via Net Banking or iMobile Pay.
4. Submit Documents: Upload required documents through Net Banking or iMobile Pay.
5. Get Loan Sanctioned: Once approved, receive the Sanction Letter with loan details.
6. Loan Disbursement: After document verification, the loan is disbursed to the seller or builder.

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How to Track ICICI Home Loan Application Status?

Tracking your ICICI home loan application status is straightforward and helps you stay updated on your loan approval process.

1. Visit ICICI Bank’s ‘Track My Loan‘ Page.
2. Click on ‘Products’, select ‘Home Loan’, and click on ‘TrackmyLoan’
3. Enter your registered mobile number, date of birth and PAN number.
4. Verify your OTP and click on ‘Login’. Now, you can see your home loan’s application status.

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How to Download ICICI Home Loan Statement?

Downloading your ICICI home loan statement is quick and easy, allowing you to access your loan details and track your payments online.

1. Register for Internet Banking
2. Go to the ICICI Bank homepage.
3. Click on the ‘Login’ button.
4. Enter your credentials to access your account.
5. After logging in, follow these steps to find your home loan statement
6. Click on ‘Accounts & Deposits’.
7. Select ‘Loans’ from the dropdown menu.
8. Choose your home loan account.
9. Click on ‘View Statement’.
10. Select the period for which you need the statement.
11. Click on ‘Download’ to save the statement to your device.

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ICICI Bank Home Loan Customer Care

To facilitate effective communication with customers, in addition, ICICI offers various channels for customer support.

Contact Method	Details
Email ID	customer.care@icicihfc.com
Toll-Free Number	1800 267 4455
Text Message	SMS “HOME” to 5676766
Official Address	ICICI Home Finance Company LimitedICICI Bank Towers,Bandra – Kurla Complex,Mumbai 400 051, IndiaTel.: (+91- 22) 26531414
Website	https://www.icicihfc.com/

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Comparison

You can also compare the home loan rates of different banks here. For detailed comparison between top banks you can visit our compare banks page.

Bank	Up to Rs. 30 Lakh	Above Rs. 30 Lakh to Rs. 75 Lakh	Above Rs. 75 Lakh
SBI Bank	8.50% p.a. onwards	8.5% p.a. onwards	8.50% p.a. onwards
HDFC Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
LIC Bank	8.50% – 10.35% p.a.	8.50% – 10.55% p.a.	8.50% – 10.75% p.a.
ICICI Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
Kotak Mahindra Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
Punjab National Bank	8.50% – 11.05% p.a.	8.50% – 11.05% p.a.	8.50% – 11.05% p.a.
Bank Of Baroda	8.40% – 10.65% p.a.	8.40% – 10.65% p.a.	8.40% – 10.90% p.a.
Bajaj Housing Finance	8.50% p.a. onwards	8.50% p.a. onwards	8.50% p.a. onwards
Axis Bank	8.75%-10.30% p.a.	8.75%-10.30% p.a.	8.75%-10.30% p.a.
Bank of India	8.40% p.a onwards	8.40% p.a onwards	8.40% p.a onwards
TATA Capital	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards