How to Get an ICICI Home Loan in 2022: Home loans in India have become much easier to avail because of the excellent service provided by public banks like ICICI. ICICI is one of the biggest names of home loan providers in India. ICICI provides home loans of different kinds for different kinds of needs. A home loan from this lender is much easy to avail and a loan applicant is certain to get the best service from the lender.
How to Get an ICICI Home Loan in 2022:
Benefits of Availing an ICICI Bank Home Loan
- A wide range of loan product to choose according to the need of the customer.
- Great customer support throughout the loan processing
- Provides doorstep service at any place of your comforts such as your home, office or any public place.
- Easy documentation process
- Facility of pre-approval of the home loan without having selected a property.
- Flexible repayment options
- A great network of more than 2500 branches throughout the country.
- A home loan at ICICI bank comes with free personal accident insurance
- Insurance options available for home loan at a competitive rate.
- Each time you pay EMI payment through Auto-debit, you will get reward points.
- Loan tenure as loans as 30 years
- The easy and faster home loan process
https://financebuddha.com/blog/home-loan-agreement-important-clauses-that-every-buyer-must-know/embed/#?secret=vKzPmNhr6t The Eligibility Criteria for Availing ICICI Home Finance
- The minimum age of applying for a home loan from ICICI bank is 21 years. One must be 21 years or more at the time of sanctioning the loan.
- The maximum age at the termination of the loan should be 65 years or age of retirement, whichever is earlier.
- The loan applicant, whether salaried or self-employed, must have a regular source of income.
- The applicant and the co-applicant (if applicable) both should have a credit score of 750 or above.
https://financebuddha.com/blog/how-to-manage-your-home-loan-like-a-pro/embed/#?secret=ARDPt8wy8J Documents Required for ICICI Home Finance
The loan seekers are divided into three categories and accordingly, the list of required documents are mentioned by the bank. The three categories of loan seekers are Salaried Employees, Self Employed Professional and Self Employed Non-Professional. Here is the list of documents-
How to Get an ICICI Home Loan in 2022
Salaried Employees
- Application form with photograph duly signed
- Identity, residence and age proof
- Last 6 months bank statements
- Last 3 months Salary-slips
- Processing fee cheque
- Form 16 / Income Tax Returns
Self Employed Professional
- Application form with photograph duly signed
- Identity, residence and age proof
- Last 6 months bank statements
- Processing fee cheque
- Form 16 / Income Tax Returns
- Education qualification certificate and proof of business existence
- Last 3 years Income Tax Returns with the computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account
https://financebuddha.com/blog/how-to-compare-and-choose-home-loans-in-india/embed/#?secret=PDtw0WfA6L Self Employed Non-Professional
- Application form with photograph duly signed
- Identity, residence and age proof
- Last 6 months bank statements
- Processing fee cheque
- Form 16 / Income Tax Returns
- Last 3 years Income Tax Returns with the computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account
- Business profile
- Proof of business existence
- Last 3 years Income Tax Returns with the computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account
Different Ways to Apply for an ICICI Home Loan
https://financebuddha.com/blog/essential-considerations-applying-home-loan/embed/#?secret=hU8dvLsSBR Apply Online
The first and the most availed method of applying for a home loan from ICICI is applying online through the official website of the bank. On the website of the bank, one will get an ‘Apply’ button which will make you apply for the loan within a few clicks. Before opting for a home loan check your home loan EMI. How to Get an ICICI Home Loan in 2022
Receive a Call
The next way of applying for a home loan is by requesting a call from the bank. This option is also available at the bank’s official website. You are to provide your contact number so that the bank representatives can reach you. How to Get an ICICI Home Loan in 2022
Sending SMS
The next way of applying for a home loan is by sending an SMS HOME to 5676766. This is another way to apply for a home loan. Once your message will be delivered, the bank representatives will get in touch with you and initiate the loan processing. How to Get an ICICI Home Loan in 2022
Customer Care Centre
An ICICI housing loan can be applied by calling the customer care centre too. You can call the customer care centre and ask the representatives that you want to apply for a home loan. Your call will be forwarded to the concerned department and the loan application process will be started.
Locate Nearest ICICI Bank Branch -How to Get an ICICI Home Loan in 2022
This is the last way to apply for a home loan. One can apply for a home loan by going to the branch office of the bank. One can go to any of the bank branches and fill out the home loan application form to apply for a home loan. How to Get an ICICI Home Loan in 2022
Why an ICICI Home Loan Application can be Rejected
https://financebuddha.com/blog/home-loan-rejection-reasons-lenders-will-not-tell-you/embed/#?secret=JoaIwPXdlx A home loan process from ICICI is very much transparent and a borrower will never experience hidden charges. Only if you keep some of the things into consideration you will get easy approval on ICICI home loans. Here are some of the reasons which may make your home loan application go rejected. How to Get an ICICI Home Loan in 2022
- Low credit score
- Insufficient income
- Unstable employment
- Not falling into the age limit
- Working in a delisted private company
- Applying for a loan from an address which is present in the defaulter list
The Bottom Line
A home loan from ICICI bank has become popular because of the many advantages that come with this credit product. The customer service of this lender is always exceptional. So if you are looking for a home loan in the coming days or trying to have a balance transfer, an ICICI home loan is a considerable option.
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How to Get an ICICI Home Loan in 2022
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