Yes, you can. Your dream to get a
home can be fulfilled through various ICICI Bank home loan schemes. As one of
the leading home loan providers, it offers a variety of home loan schemes with different
eligibility criteria that you need to know/fulfill before applying.
Normally, if you are a salaried
individual, you need to submit last 2 years IT returns & balance sheet
& P/L account statement. To get these documents you need to have an experience
of 2 years.
ICICI bank provides an easy and quick way to get a home loan. With a higher
eligibility, you can even enjoy lower EMIs at an affordable rate of interest.
In addition to this, ICICI also offers pre-approved loans to select customers
and existing customers can avail the benefit of reduced documentation requirements.
Features and benefits of a home loan from ICICI Bank:
1. Reasonable
rate of interest with both floating and flexible options
2. The
home loan can be sanctioned without even selecting the property
3. A
really simple and smooth documentation process for both new and existing
customers
4. Customers
opting for this home loan enjoy longer loan term and lower EMIs
5. The
Balance transfer facility is another advantage of ICICI bank home loan. It allows customers to transfer their
existing home loan from any other bank to ICICI bank and enjoy long term
savings
6. Customers
can get the loan for up to 30 years
7. Enjoy
a fixed rate of interest for the first 10 years, and later choose a fixed or
floating interest rates
8. The
facility of pre-approved loans is also available for customers at ICICI bank
9. An
access to Eligibility calculator and EMI calculator on the ICICI bank website
10. The
Balance Transfer facility allows customers to enjoy additional top up loan
amount. This can be up to 100% of the original home loan.
In addition to this, the ICICI
bank offers complete guidance to its customers to make their home buying
process hassle free. Simplified documentation, flexible repayment options, free
personal accident cover, sanctioned approval without having selected a property
are other key benefits of ICICI bank home loan.
Those who are interested to apply
for an ICICI bank home loan need to provide the following documents:-
1. Identity
Proof, Age Proof, and Residence Proof
2. Bank
Statement of The Last Six Months
3. Salary
Slip of The Last Three Months
4. Processing
Fee Cheque
5. Form
16 / Income Tax Returns
Furthermore, self-employed
professionals and self-employed nonprofessionals are also required to
provide:-
1. A
valid proof of Education qualification and business existence
2. Income
Tax Returns with computation of Income of the last 3 years
3. Last
3 years CA Certified / Audited Balance Sheet, only from ICICI Bank.
4. You
can apply for a Home Loan with ICICI Bank online in few easy steps.
5. Visit
the ICICI Bank website
6. Select
‘Apply Now’ option
7. Fill
in the ‘Get eligibility’ form and click on ‘Get Quote Now’ option present at
the bottom of the page
8. Once
you get the quote in the next window, click on Apply now option present in
front of each loan scheme you are eligible for.
9. In
a new window, you need to fill in your name and mobile no.
10. Once
providing both the details, you will get access to ICICI bank home loan
application form.
11. You
need to fill all the information and submit online.
The bottom line: From the above concluded topic it is clear that
Home loan has become the basic necessity in day-to-day’s life. People greatly
look for flexible housing loan schemes to buy their dream home without many
hassles. In this context, the home loan
schemes offered by ICICI are benefitting prospective home buyers significantly
and helping them fulfill their much-anticipated dream.
EmoticonEmoticon