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Secure a home loan from ICICI Bank starting at 9.00% p.a. for up to 30 years. Get funding of up to ₹5 Crores with flexible repayment options to suit your requirements.
Interest Rates Starting
Max. Loan Amount
Max. Tenure
You can now get ICICI Bank Home Loans of up to ₹5 Crores at Bajaj Markets. These loans are affordable, with interest rates starting from as low as 9.00% p.a. and tenures ranging up to 30 years.
The simple eligibility criteria and convenient application process of these loans enable you to get the required funds in just a few clicks!
Listed below are the ICICI Bank home loan interest rate and other associated charges of ICICI Bank Home Loans:
Interest Rate |
9.00% p.a. onwards |
Processing Fees |
₹2,999 (T&C Apply) |
Prepayment/Foreclosure Charges |
|
Cheque Bounce Charges |
₹500 |
Transaction Charges (when you pay EMI via cash deposit at any ICICI branch) |
₹100 |
Document Retrieval Charges |
₹500 |
Disclaimer: The above-mentioned rates and charges are subject to change at the lender’s discretion.
Along with the primary charges, there are some additional charges as well. Keeping these charges in mind will prepare you for all kinds of circumstances:
Administrative Charges |
0.25 % of Facility Amount or ₹ 5,000, whichever is lower. |
Part Prepayment Fees |
Nil |
Charges for Amortisation Schedule |
₹ 200 for a physical printout at the branch |
Renewal Fees (Applicable for Overdraft Product) |
₹ 5,000 (Not applicable for Money Saver and Insta OD) |
Security guard charges |
At Actuals |
You can get amounts as high as ₹5 Cr with this loan. The amount can cover all big and small expenses for your dream house.
Enjoy flexibility in your home loan repayment tenures ranging up to 30 years. This will give you enough time to repay the amount without any financial pressure.
You can borrow the required funds at attractive interest rates starting from9.00% p.a. Make sure you fulfil all the eligibility criteria of the lender to get the best offer.
"You can transfer your existing home loan balance to ICICI Bank through its Home Loan Balance Transfer facility at nominal interest rates.
Given below is a comprehensive list of ICICI Bank home loan eligibility criteria:
You must be an Indian citizen
You need to have a stable credit history
You must fall under the age bracket of 21 to 65 years
Additionally, you will be required to fulfil certain conditions, based on your employment type, to be eligible for this loan. These are as follows:
1. Salaried Applicants
Your net monthly income should be at least ₹25,000
You should have a work experience of at least 2 years
2. Self-employed Applicants
Your net Profit After Tax (PAT) per month should be at least ₹30,000
Your business must have a vintage of at least 3 years
Disclaimer: The information mentioned above is subject to change as per the lender’s terms and policies.
While applying for this home loan, you also have to furnish the documents listed below:
Identity proof: PAN Card/Voter ID/Aadhaar Card
Address proof: Aadhaar Card/Passport/Driving licence
Bank statements for the last 6 months
Salary slips for the previous three months
Certificate and proof of business existence
Income Tax Returns
Disclaimer: The information mentioned above is subject to change as per the lender’s terms and policies.
ICICI Bank offers a comprehensive range of home and property-related loans to meet diverse financial requirements. These loans are available at competitive interest rates, with high sanction amounts and flexible repayment tenures. Here are the key offerings:
Designed for purchasing or constructing a residential property, this loan offers amounts up to ₹5 crore, with interest rates starting at 9.00% p.a. and tenures of up to 360 months.
The ICICI Bank Home Loan Balance Transfer facility allows you to transfer your existing home loan to ICICI Bank, with interest rates starting from 8.75% p.a., loan amounts of up to ₹5 crore, and repayment tenures of up to 360 months.
You can leverage the value of your residential or commercial property with ICICI Bank’s Loan Against Property, offering loan amounts of up to ₹5 crore and interest rates starting from 10.60% p.a.
This option enables you to shift your existing loan against property to ICICI Bank and benefit from lower interest rates, starting at 9.25% p.a.
To apply for this loan online on Bajaj Markets, follow the steps mentioned below:
Click on the ‘Check Offer’ option on this page.
Fill in your personal and professional details in the online application form.
Enter the loan amount you wish to borrow and the property details.
You can conveniently track the status of your ICICI Bank home loan application using the bank’s official mobile app by following these steps:
Download and log in to the iMobile Pay app
Navigate to ‘Cards, Loans, and Forex’
Select the ‘Loan Track’ tab and click on ‘Track New Loan’
Enter the required personal details and submit the form
Share the reference number with the representative collecting your application
You will receive loan status updates via SM
ICICI Bank offers flexible repayment choices based on your loan disbursal stage:
EMI (Equated Monthly Instalment): A fixed monthly payment that includes both principal and interest
Flexible Loan Instalment Plan (FLIP): A structured plan where EMIs are adjusted based on expected income reduction during the loan tenure
EMI: Standard EMIs begin once the entire loan amount is disbursed
FLIP: EMIs are structured to decrease when one of the borrowers is expected to retire before loan completion
Pre-EMI: You pay only interest on the disbursed amount until the loan is fully released
EMI Under Construction: EMIs start during the construction phase to reduce the interest burden and accelerate repayment
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
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Yes, ICICI Bank does offer pre-approved home loans.
Yes, a CIBIL score is a key factor taken into consideration when determining your eligibility for the loan.
Yes. You can apply for an ICICI Bank Home Loan with existing loans or liabilities. However, be mindful of your debt-to-income ratio, as it has a major impact on your ICICI Bank Home Loan eligibility.
You can apply for a home loan of up to ₹5 Crores. However, the final loan amount depends on factors such as your income, credit history, age, and repayment capacity.
ICICI Bank offers home loan tenures of up to 30 years, depending on your age, loan amount, and repayment ability.
The processing fee for an ICICI Bank Home Loan starts at ₹2,999 (terms and conditions apply). The exact fee may vary depending on the loan scheme and other applicable factors.
Yes, several lenders provide home loans for both resale and under-construction properties, subject to eligibility and property documentation.
The repayment and foreclosure charges are as follows:
Nil for floating interest rates
2% + applicable GST for fixed interest rates
2% for top-up loans if you utilise the amount for business purposes
4% if you repay the entire outstanding principal when you use the amount to buy a property for business purposes
Loan processing typically takes between 1 and 4 weeks. The timeline varies depending on the completeness of your documents and the lender’s internal checks.
Yes, ICICI Bank allows joint home loans. All co-applicants share responsibility for loan repayment and must meet the bank’s eligibility norms.
Yes, ICICI Bank offers balance transfer options with interest rates starting at 8.75% p.a. You can transfer loans up to ₹5 Crores, subject to eligibility.
You can view your ICICI Bank home loan statement by logging into ICICI Bank’s official website or the iMobile app.
You can reach ICICI Bank’s Home Loan customer care at 1800 1080. If this number is unavailable, you may also contact 1860 120 7777 for assistance.
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