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    We found 2 ICICI Bank Home Loan Eligibility
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.50% - 8.85% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.45% - 8.80% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Home Loan BYTES FROM OUR KITCHEN

    ICICI Bank Home Loan Eligibility

    ICICI Bank is one of the leading banks in India that offers great financial products and services. The home loans offered by this come with great innovation and customisation. Headquartered in Mumbai, the bank has grown to be one of the dominant banks in the country in terms of growth and network.

    Minimum Age Applicants must be at least 21 years of age
    Maximum Age The entire loan must be paid on or before the applicant turns 65 years of age
    Income Source Applicant must be salaried or self employed
    Age of co-applicant The co-applicant must be at least 18 years of age

    In order to avail a home loan from ICICI Bank, one be at least 21 years of age and must be able to repay the loan on or before he / she turns 65 years old. The applicant must either be salaried or self-employed in order to be eligible for the loan. Lastly, the co-applicant, I any, must be at least 18 years old.

    ICICI Bank Home Loan Eligibility Calculator

    ICICI Bank is equipped with up to date technology when it comes to online tools and calculators. The bank’s Home Loan Eligibility calculator makes it fairly simple to determine whether a potential borrower is eligible for a particular loan offered by the bank or not. Your eligibility to avail a particular loan is determined by taking into consideration various basic factors like credit history, age, monthly income, etc. By considering these basic details, ICICI Bank’s home loan eligibility calculator will instantly determine if a potential borrower is eligible to avail the loan offered by the bank or isn’t. To know if you are eligible for ICICI Home Loan, please click on the link below that will take you to the page of the bank’s Home Loan eligibility calculator.

    ICICI Bank Home Loan Eligibility Calculator

    Why should you calculate your eligibility?

    Apart from your credit score, lenders also decipher your eligibility by assessing various other details like age, income, etc. By using the simple Home Loan Eligibility Calculator that the bank provides, one can quite easily assess if he / she is eligible for the loan. Doing this is important because, having a loan rejected can hamper, not only your credit score, but also the chances of getting another loan. Therefore, it makes sense to check your eligibility. If you aren’t eligible, it’s best to not apply.

    How do you enhance your eligibility?

    Although many aspects that determine your eligibility cannot be altered, mentioned below are a few things one can look into for enhancing their eligibility.

    • You can enhance your eligibility by adding your earning spouse as a co-applicant. This will increase the total income of the applicants, reducing the burden of eligibility when it comes to income.
    • Co-owners must necessarily be co-applicants

    FAQs about ICICI Bank Home Loan

    1. How can I change my EMI? Does ICICI levy penalty for that?

      This reduction from the current rate will definitely influence your EMI or tenure.

    2. What is the least part advance-payment sum that I should to pay?

      Minimum part pre-payment sum must at least be one EMI.

    3. How much should my EMI be?

      It is completely based on your annual income and expenditures. Frequently, the banks recommend you to limit your EMI to 35 to 45 percent of your earnings per month.

    4. What is refinancing of home loan?

      To refinance is to get loan from one bank to settle a loan availed from a different bank. This is usually opted if the rates in your bank are higher.

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