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Buying a home is a dream for many individuals. A housing property is not only a high-value asset but also carries invaluable emotional significance and offers monetary assurance. ICICI Direct understands what owning a home means to every individual. We offers a range of home loan products and features to help you finance your dream home. Whether you are a salaried individual, a self-employed professional, or an NRI, ICICIdirect has options tailored to your specific needs. Applying for a Home Loan is the easiest way to realize your dream of buying a home. You can receive financing at reasonable interest rates and repay it as per your affordability in Equated Monthly Installments (EMI). You can apply for a Loan by visiting the nearest bank branch or online.
ICICIdirect Home Loans offer a range of features and benefits to help you finance your dream home:
Dedicated Home Loan Expert: ICICIdirect provides you with a dedicated home loan expert who will guide you through the entire process and help you choose the right loan for your needs.
Doorstep Service: ICICIdirect understands the importance of convenience, which is why they offer doorstep service. You can apply for a home loan from the comfort of your own home.
Choice of Multiple Lenders: ICICIdirect gives you the freedom to choose from multiple lenders, ensuring that you get the best rates and terms for your home loan.
Higher Sanction Value: With the choice of 9 lenders, the approval and sanction ratio is high, allowing you to get a higher loan amount for your dream home.
Higher Approved Rate: ICICIdirect works with its lending partners to ensure that you get the best interest rates for your home loan, based on your profile and credit score.
Dedicated Customer Service: ICICIdirect is committed to providing excellent customer service. They are available to answer any queries or address any service-related complaints you may have.
ICICIdirect offers competitive interest rates and charges for home loans. The interest rate and other charges may vary depending on factors such as your credit score, loan amount, and tenure. It is important to carefully review and compare the rates and charges before finalizing your home loan.
When applying for a home loan with ICICIdirect, you will need to submit certain documents. These documents may include:
Application form with photograph
Identity and residence proofs
Last six months' bank statements
Processing fee cheque
Income documents (such as salary slips, Form 16, educational qualification certificates, business profile, and previous years' income tax returns for self-employed individuals)
Statement of loans availed in the previous two years
Previous three years' profit/loss and balance sheet
It is important to gather all the required documents and ensure their accuracy before submitting your loan application.
To determine your eligibility for a home loan, ICICIdirect provides an online eligibility calculator. This calculator takes into account factors such as your income, age, qualification, number of dependents, spouse's income, assets and liabilities, savings history, and stability of occupation. By inputting these details, you can get an estimate of the loan amount you are eligible for.
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