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    ICICI Bank Home Loan Eligibility

    ICICI bank offers affordable home loans at competitive interest to eligible customers. The loans come with minimal documentation, higher eligibility and longer loan tenures. Read more about the bank’s eligibility criteria below.

    We found 2 ICICI Bank Home Loan Eligibility
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.90% - 9.10% 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
    8.85% - 9.05% 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
    Home Loan BYTES FROM OUR KITCHEN

    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.

    Home Loan - Sitemap

    ICICI Home Loan Eligibility Reviews

    • ICICI Bank Home Loan
      "Need to reduce the rate of interest"
      0.5 3.0/5 "Satisfactory"
      I am running a home loan with ICICI Bank and have completed 18 months. The loan duration is 20 years. The interest rate and processing fee is very high. My experience was good so I would suggest them to reduce the interest rate. They are doing good customer service. I have purchased a residential property.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 23, 2019
    • ICICI Bank Home Loan
      "Need to reduce ROI"
      0.5 3.5/5 "Pretty good"
      My home loan experience was average with ICICI bank, the process was smooth and i received my loan amount on time. Rate of interest was way high when compared to other banks. Customer service was good with ICICI and tenure period is for 20 years.
      Was this review helpful? 0
      , kochi
      Reviewed on Jan 23, 2019
    • ICICI Bank Home Loan
      "Average Financial service"
      0.5 3.0/5 "Satisfactory"
      I have taken housing loan from Icici bank , as they have given promising rate of interest while comparing to other banking which available in market , easy approval process , payments made through ecs process .customer service and customer response is best regarding queries provides solution.The processing fees is nominal one with tenure period of 20 years .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • ICICI Bank Home Loan
      "Good in Need"
      0.5 4.5/5 "Excellent!"
      I am a customer of ICICI from long and at the time i was looking for a Home loan it was easy for me to apply with ICICI. There was not much documentation work, everything was processed with ease and on time. Customer service is good and they take care of customers request.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 22, 2019
    • ICICI Bank Home Loan
      "Good in Service"
      0.5 3.0/5 "Satisfactory"
      I had applied for a Home loan with ICICI and i remember that there was a quick processing. My application for loan was taken care and was processed on time. The interest rates given on my loan amount is reasonable. It is somewhere around 8.65%. ICICI customer service is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 22, 2019
    • ICICI Bank Home Loan
      "Useful for private employee people"
      0.5 4.0/5 "Great!"
      In 2006, I have taken my housing loan with ICICI Bank. During that time, they have assured me a lower interest rate hence i have chosen them. After 1 year, they have increase the interest rate which is higher than other bank hence i have done the pre-closure. Processing fee and interest rates were very high.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 18, 2019
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my home loan with ICICI bank,they have given me sufficient loan amount,and the rate of interest they have charged me up to 8.9% it is not fixed,it varies according to market rate, and they have not charged me processing fee as it is zero processing fee, and the loan is still running,overall service is good.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 17, 2019
    • ICICI Bank Home Loan
      "Good Service and ROI is low"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with ICICI 1 year back. ICICI service is really good. I did not spoken with the call centre people and i just directly visited their branch when i approach for the loan and bank employee response is really good. They have given me a nominal processing fee and rate of Interest rate was 8.8% which i like it.
      Was this review helpful? 4
      , vapi
      Reviewed on Jan 10, 2019
    • ICICI Bank Home Loan
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I had taken this loan a while back and the experience was quite good and the loan amount which they had provided has been sufficient as well. The interest rate with them has been nominal when compared with the market rate. There has not been any sort of additional charges which they had made so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 08, 2019
    • ICICI Bank Home Loan
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      I have my home loan with ICICI Bank. It has not been a transparent process with regards to the charges they have taken. Initially they said a amount and once they processed the loan there was a lot of hidden charges. They need to be clear with the interest rate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 16, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my home loan with ICICI bank for long time, the tenure period they have given me up to 20 years, and the loan amount they have given me is sufficient, and the rate of interest they charged me was nominal, they have charged genuine rate of interest like how much they said they have charged me , and overall service is good.
      Was this review helpful? 4
      , vadodara
      Reviewed on Dec 12, 2018
    • ICICI Bank Home Loan
      "Average service"
      0.5 3.5/5 "Pretty good"
      I have applied for ICICI home loan for a while, there customer service is not up to the mark, they have not properly explained me about any issue i have faced it this loan , and the rate of interest they have charged me was nominal,and the loan amount they have given me was sufficient, and the processing fee they have charged me was nominal, but there service is not up to the mark.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 10, 2018
    • ICICI Bank Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this loan almost 14 years back and the process in getting this loan has been quite good, the loan amount which they had provided has been sufficient as well. The interest rate with them has been nominal when compared with the market rate and there has not been any sort of other charges which they had made so far as well.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 10, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      My home loan experience was good with ICICI bank, the process was smooth and i received my loan amount on time. The rate of interest is nominal when compared to other banks. Customer service was good with ICICI bank and the tenure period for this loan is 24 years. They charged for insurance without my knowledge and i made a part payment before 6 months.
      Was this review helpful? 2
      , chennai
      Reviewed on Nov 29, 2018
    • ICICI Bank Home Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The doc process is very good quick with the simple process with the housing loan where i have taken it from the ICICI BANK. The rate of interest is 10.75% which is floating. The customer service is good i have to repay the loan within 20 years approx.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 26, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My housing loan was taken with ICICI BANK , they have given me sufficient loan amount and the rate of interest they have charged me was nominal , and the processing fee also was charged nominal only, they have not charged any hidden charges there service is good.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 25, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with ICICI BANK , there rate of interest and processing fee was very nominal compare to other in the market . I have taken loan for the first time so i do not have much knowledge about others . Overall it has been great experience while taking loan .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan experience was good with ICICI bank, the process was smooth and i received my loan amount on time. The rate of interest is very less when compared to other banks. Customer service was good with ICICI bank and the tenure period for this loan is 20 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 15, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      My home loan was taken with ICICI BANK , the tenure period is 15year and they charge very nominal rate of interest . The processing fee is high with this bank . They provide satisfactory loan amount and there are no hidden charges with this bank .
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 12, 2018
    • ICICI Bank Home Loan
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have took my home loan from ICICI bank ,the service was good, and they have charge nominal rate of interest and processing fee and i am very satisfied with my loan amount as i expected i got more than that and they donâ??t charge unnecessarily like there is no hidden charges and the tenure period is good and even customer support team is good they respond well.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 30, 2018
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