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track my icici home loan application | how to track home loan application in icici bank

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ICICI Home Loan

Home loan from ICICI Several home loan options can help you realise your dream of purchasing a home. Those looking to buy a new house or upgrade an existing one will find it easier with ICICI Bank’s low-interest rates.

Loan NameInterest RateProcessing FeeLoan AmountTenure
ICICI Bank Step9.10%0.5%-1.00% of home loan amountmaximum Rsup to 20
Up Home Loans9.25%or Rs 1,500 (whichever is higher)30 croresyears

DOCUMENTS REQUIRED

  • Aadhaar Card, Passport, Driver’s License, Election ID Card are examples of proof of identity and residence.
  • Completed application form with two recent passport-sized pictures
  • Proof of Income: Last six months’ bank statement with pay credits, most recent Form 16 and Income Tax Returns, and the last three months’ salary slips
  • Last six months’ bank statements
  • If the worker has been with the current organisation for less than a year, the employment contract / appointment letter is required.
  • Check for the processing fee

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BENEFITS

  • Get up to a 20% increase in eligibility.
  • You can get a loan of up to Rs 3 crores.
  • The loan can be repaid over a period of up to 20 years

ELIGIBILITY

  • The applicant must be an Indian citizen.
  • The applicant must be working and have a steady source of income.
  • The applicant’s monthly salary must be at least Rs 20,000.
  • ICICI Bank has picked a limited group of companies where you should work.
  • The applicant’s age should not exceed 40 years old.
  • Step Up Home Loan is not available to those who already have a home loan with ICICI Bank.

OTHER DETAILS

  • The annual salary rise of the individual is taken into account when funding the Step up home loan.
  • The loan is only available to people who do not have any outstanding loans at the time of application.
  • The loan repayment schedule is separated into two parts: the primary term and the secondary term.
  • The initial phase lasts 3–5 years, and you only have to pay interest during that time.
  • EMI (including interest and principal) must be paid during the secondary or balance term.
ICICI Bank Home Loan8.10% – 9.30%, Floating0.25% of loan amount + applicable taxes (max. ₹11,800), One time fee75 lakhs3-30 Years

DOCUMENTS REQUIRED

For Salaried Individuals

  • Aadhaar Card, Passport, Driver’s License, Election ID Card are examples of proof of identity and residence.
  • Completed application form with two recent passport-sized pictures
  • Proof of Income: Last six months’ bank statement with pay credits, most recent Form 16 and Income Tax Returns, and the last three months’ salary slips
  • Last six months’ bank statements
  • If the worker has been with the current organisation for less than a year, the employment contract / appointment letter is required.
  • Check for the processing fee

For Self – Employed Individuals

  • Aadhaar Card, Passport, Driver’s License, Election ID Card are examples of proof of identity and residence.
  • Completed application form with two recent passport-sized pictures
  • Income Tax Returns with computations of income for the previous three assessment years, Profit and Loss Accounts for the previous three assessment years
  • Last 6 months’ Balance Sheet with Annexures/Schedules Statements of the business’s current a/c and the individual’s savings account
  • Last six months’ bank statements
  • Cheque for the Processing Fee
  • Certificates of education and proof of business existence

BENEFITS

  • The home loan has a 30-year repayment period.
  • There is a larger loan amount available.
  • Procedure for documentation has been simplified.
  • There are no costs associated with the pre-closure process.
  • Services at your doorstep
  • Women borrowers might also take advantage of easy equal monthly instalments.

ELIGIBILITY

  • The applicant must be at least 21 years old.
  • The entire loan must be returned at or before the applicant’s 65th birthday.
  • The candidate might be either a salaried employee or a self-employed individual with a steady source of income.
  • Co-applicants must be at least 18 years old at the time of application submission.

OTHER DETAILS

  • Interest rates are provided in both fixed and floating versions.
  • Before you choose a property, get your house loan approved.
  • Applicants can choose fixed interest rates for the first ten years and then either fixed or adjustable interest rates until the loan is fully repaid.
  • With ICICI Bank, you can get a house loan with a loan term of up to 30 years.
  • The processing fee is 0.25 percent plus applicable taxes of the loan amount (maximum of Rs 11,800)
Top Up Loan On Home Loan9.65% per annum0up to Rs 5 crores20 years

DOCUMENTS REQUIRED

For Salaried Individuals

  • Aadhaar Card, Passport, Driver’s License, Election ID Card are examples of proof of identity and residence.
  • Completed application form with two recent passport-sized pictures
  • Proof of Income: Last six months’ bank statement with pay credits, most recent Form 16 and Income Tax Returns, and the last three months’ salary slips
  • Last six months’ bank statements
  • If the worker has been with the current organisation for less than a year, the employment contract / appointment letter is required.
  • Check for the processing fee

For Self – Employed Individuals

  • Aadhaar Card, Passport, Driver’s License, Election ID Card are examples of proof of identity and residence.
  • Completed application form with two recent passport-sized pictures
  • Last 6 months’ Balance Sheet with Annexures/Schedules Statements of the business’s current a/c and the individual’s savings account
  • Income Tax Returns with computations of income for the previous three assessment years, Profit and Loss Accounts for the previous three assessment years
  • Last six months’ bank statements
  • Cheque for the Processing Fee
  • Certificates of education and proof of business existence

BENEFITS,

  • The home loan has a 20-year repayment period.
  • Procedure for documentation has been simplified.
  • Processing time is short.
  • Reduced EMI
  • Interest rates that are appealing

ELIGIBILITY

  • The applicant must be at least 21 years old.
  • The entire loan must be returned at or before the applicant’s 65th birthday.
  • The candidate might be either a salaried employee or a self-employed individual with a steady source of income.
  • The age of the co-applicants must be at least 21 years old at the time of application submission.
  • The entire EMI should not be more than 65 percent of the borrower’s monthly net income.

OTHER DETAILS

  • Get a loan for up to 100% of the original home loan amount.
  • The loan can be used to pay for house furnishings, renovations, and home repairs, among other things.
  • At the moment of home loan approval, you can get a loan for up to 80% of the house’s market value.
Mortgage Loan11.95% per annum0up to Rs 1 croreup to 15 years

DOCUMENTS REQUIRED

For Salaried Individuals

  • Aadhaar Card, Passport, Driver’s License, Election ID Card are examples of proof of identity and residence.
  • Completed application form with two recent passport-sized pictures
  • Proof of Income: Last six months’ bank statement with pay credits, most recent Form 16 and Income Tax Returns, and the last three months’ salary slips
  • Last six months’ bank statements
  • If the worker has been with the current organisation for less than a year, the employment contract / appointment letter is required.

For Self – Employed Individuals

  • Aadhaar Card, Passport, Driver’s License, Election ID Card are examples of proof of identity and residence.
  • Completed application form with two recent passport-sized pictures
  • Income Tax Returns with computations of income for the previous three assessment years, Profit and Loss Accounts for the previous three assessment years
  • Last 6 months’ Balance Sheet with Annexures/Schedules Statements of the business’s current a/c and the individual’s savings account
  • Last six months’ bank statements
  • Certificates of education and proof of business existence

BENEFITS

  • The borrower has the option of choosing between fluctuating and fixed interest rates.
  • Before you choose a property, you can get a loan approved.
  • Loan eligibility is improved.
  • Procedure for documentation has been simplified.
  • Services are delivered to your door.
  • Monthly instalments equivalent to a lower amount
  • Repaying the borrowed money over a longer period of time

ELIGIBILITY

  • For both salaried and self-employed applicants, the minimum age requirement is 21 years old.
  • The whole loan amount must be repaid at or before the applicant’s 60th birthday in the case of salaried applicants and 65th birthday in the case of self-employed applicants.
  • To qualify for a loan, the applicant must have a steady source of income.

OTHER DETAILS

  • The repayment period is limited to 15 years.
  • The processing fee is set at 0.50 percent of the total amount.
  • For variable interest rates, there are no prepayment penalties.
  • Under floating interest rates, foreclosure fees are also nothing.
  • The mortgage loan has an annual interest rate of 11.95 percent.

Features of ICICI Home Loan

ICICI Bank provides candidates with cutting-edge features. Scroll down to get a better understanding of the features and benefits.

Track my loan feature

The Watch My Loan feature is an online application platform that allows you to track your home loan progress and receive notifications about its status no matter where you are. This service is available on both mobile and desktop, and it allows you to check the status of your mortgage loan application by just inputting your cellphone number and application number.

Benefits of Track my loan feature

On a single home screen, get real-time updates. Track the status of your loan from start to finish, from login to sanction. Get help 24 hours a day, 7 days a week to solve your problem. You can use the track my loan feature on a variety of devices, including desktop and mobile.

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sangesh64
sangesh64http://technogayan.com
An aspiring MCA student formed an obsession with Blogging, SEO, Digital Marketing, and now Helping Beginners To Build Amazing WordPress Websites At No Cost.
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