A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 2 ICICI Home Loan Eligibility

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.40% - 8.85% Floating
    0.5% (min. ₹11,500) One time fee
    5L - 10Crs
    3-30 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 8.80% Floating
    0.5% (min. ₹11,500) One time fee
    5L - 10Crs
    3-30 Years
    Response Time Within 30 minutes
    Rs.5,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria

    ICICI Home Loan Eligibility is Rated as "Great!" by 2118 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Home Loan BYTES FROM OUR KITCHEN

    Introduction:

    A dream home can be much closer to actuality if you live a monetarily disciplined and a well-organized life. All that it needs, is to play it smart at the right time when you are doing well personally as well as professionally.

    Loan applicants can state their income, and most banks are prepared to allow short-term alterations based on those info. But to make these reforms permanent, the banks have to receive income papers like Income Tax Returns, bank statements etc. ICICI Home Loan Eligibility Calculator is a tool that will help you understand how much you can borrow and the tenure in which you can pay back that. This will help you strategize your finances accordingly without this loan affecting your other commitments.

    Home Loan Offers

    For ICICI Home Loan Eligibility:

    Firstly an ICICI home loan applicant should be of age 21 and above. The minimum income requirement for salaried applicant is INR five lakhs annually, and for self-employed or freelance professionals, it would be INR 7.5 lakhs per year.

    Why should one calculate home loan eligibility through ICICI Bank website?

    Eligibility Calculator for ICICI Home Loans offers you the most precise estimation of housing loan amount that you can mortgage from that bank. You can get immediate sanction even if you have not decided on which property to buy.

    ICICI Home Loan Eligibility Calculator:

    Home Loan eligibility is gauged after taking into consideration numerous factors like monthly income, stable monthly financial commitment, age, retirement age etc. Your home loan eligibility may also be considered a pointer of how much home loan you can afford to take. Your house loan eligibility can be further improved if you include your income details of your co-applicant (preferably spouse).

    Further Reading: Check Home Loan Eligibility .

    How to enhance your eligibility:

    • Clearing your existing loans before applying for a home loan: It might be a personal loan or that irksome credit card dues, but all these can serve as warning signals to the bank.
    • Ensure that you have a record of how many bonuses or benefits you receive as a salaried employee and show them at the bank.
    • If you have other properties from you which you earn a steady amount as rent.
    • With increased loan tenure (as long as it is not more than the maximum tenure allowed) comes enhanced eligibility.
    • If you show income of your spouse (if he/ she is earning), show those income proofs too.

    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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  • ICICI Home Loan Eligibility Reviews

    • ICICI Bank Home Loan
      "Wonderful "
      0.5 4.0/5 "Great!"
      I got the home loan with the ICICI bank and the interest rate is around 8.35%, also the service aspects are good. I had chosen them because the ICICI bank have strong bond with the builder, so the builder recommends me to deal with the ICICI bank. Response was fine with the ICICI bank and they have delayed the disbursement up to the month of November.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • ICICI Bank Home Loan
      "Recommendable Bank"
      0.5 5.0/5 "Blown Away!"
      During the year of 2014, I availed housing loan from ICICI bank. Interest rate is 10.30% now they had reduced it to 9.35%. They disbursed the loan according to my convenience. ICICI is a recommendable bank for the housing loan because they used to send executive and on behalf of the customer they will complete all the formalities. Really they are helpful but the drawback is the interest rate will be 1% higher than the government sector banks.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Home Loan
      "Good bank has flexible loan process"
      0.5 5.0/5 "Blown Away!"
      ICICI loan process is very much flexible. I felt ICICI is much better than HDFC Ltd. I could check the loan transaction through netbanking, Interest rate is also quite normal, and it is quite similar to other banks. I had taken the loan amount of Rs.32 lakhs this is for a tenure of 20 years. I am completely fine with the loan process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2017
    • ICICI Bank Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Rate of interest is around 11.49 % for the home loan with ICICI bank . I am having this loan from the last eight years of time tenur. Customer service is also a good one with them and the processing charges were very normal with them and its a balance transfer loan from DHCL and that was also smooth process and the EMI is 20k.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 18, 2017
    • ICICI Bank Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am happy with ICICI bank in terms of the housing loan. Recently I had taken this loan from ICICI bank. The loan process was good and there was no issues with the bank during the loan process. The rate of interest was 8.65% which is nominal and all things went good and the tenured is for 25 years and EMI is around 42k loan got disbursed with in 20 days of time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 18, 2017
    • ICICI Bank Home Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I am an existing customer of ICICI, I got the home loan interest rate around 9.75% it is bit high compared to other competitor. The processing fee was also high they have taken more than Rs.7000 from the disbursement, but loan process was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2017
    • ICICI Bank Home Loan
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank was excellent in the home loan process. They were very flexible and helpful to me. I got the loan on time also all the documents were also collected on time as they have committed and I also got a good deal on the interest rate and processing charges too.
      Was this review helpful? 2
      , pune
      Reviewed on Jun 16, 2017
    • ICICI Bank Home Loan
      "Average"
      0.5 2.0/5 "Expected more"
      I had been using ICICI Bank services for the home loan and I do not find the portal very convenient for this product. I need to visit the bank for every small thing. If I need a statement, I need to walk up to the branch. The only reason I did not switch over to another bank was because of the huge process. But if this inconvenient service continues I would surely think of moving ahead.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 15, 2017
    • ICICI Bank Home Loan
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      Whenever rate of interest is reducing ICICI wont give that benefit, still now they didn't give any information related to the reversed interest rate. ICICI should give transparent information to the customer. But loan process was good they have sanctioned 75% of loan on the property value, my disbursement done quickly.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jun 14, 2017
    • ICICI Bank Home Loan
      "Response part should be faster"
      0.5 3.0/5 "Satisfactory"
      I applied for the home loan same time with a different institute . ICICI delayed a lot, meanwhile I got a response from Can fin home limited, they had done fast process when it comes to home loan. But ICICI interest rate is good, they offered me 8.65% of interest but Can fin house limited provided around 8.95% as the interest.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 14, 2017
    • ICICI Bank Home Loan
      "Supportive Service"
      0.5 4.0/5 "Great!"
      I am happy with ICICI bank in terms of the housing loan. Recently I had taken this loan from ICICI bank. The loan process was good and there was no issues with the bank during the loan process. The rate of interest was 8.65% which is nominal and all things went good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2017
    • ICICI Bank Home Loan
      "Need improvement in customer service"
      0.5 2.0/5 "Expected more"
      The ICICI executives didn't gave any kind of response in concern to my home loan application. They gave a call and told that they need to check my eligibility, but after that I didn't got any response from ICICI bank. I would like to suggest the ICICI to give proper response to the customers, because I am waiting for the product status for last 1 month. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2017
    • ICICI Bank Home Loan
      "Below average service"
      0.5 1.0/5 "Really Bad"
      ICICI bank doesn't had any kind of communication in concern to my home loan application. There was no call back made by ICICI executive . ICICI haven't even gave a call to explain the product. ICICI was not at all coordinating in regards to my home loan application. The rate of interest is nominal with ICICI bank. I would say it was below average service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2017
    • ICICI Bank Home Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      ICICI offered 8.4% of interest rate for the housing loan. I approached ICICI bank through agency, so they had done with the work instead of me. I received all the services through the agent. Documentation part been over and everything has been submitted to the builder. 80% of the work is over. Things are going good for the home loan. Because of the agency I have done this much of the work so I will give the best rating only for them.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 13, 2017
    • ICICI Bank Home Loan
      "Good services"
      0.5 4.0/5 "Great!"
      I had closed the home loan with ICICI bank and the interest rate was around 9%. The loan amount got disbursed to my account within a month of time and the response is good. They have provided around 30% of cost of home as loan, which I really I was in need.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2017
    • ICICI Bank Home Loan
      "Helpful service within promised time"
      0.5 4.0/5 "Great!"
      The ICICI bank gave very good information with respect to their charges and got the split for what they are charged in concern to my home loan. One of my friend suggested me to get the home loan with ICICI bank. Within 10 days I got the loan amount. I am happy with the loan amount. The rate of interest is nominal with ICICI bank, when compared with others. I would certainly say that I am very much satisfied with their service.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 12, 2017
    • ICICI Bank Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      The service was not very prompt with ICICI bank in concern to my home loan, that reason I have given a average rating to their customer support. I try reaching the ICICI executives couple of times and after 4th and 5 th time It connected . We can't easily connect with the ICICI executives and reaching ICICI customer service is very difficult. The executives are very low on the product knowledge , it would be great if they can train on the product knowledge The rate of interest is nominal with the ICICI bank.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 12, 2017
    • ICICI Bank Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      ICICI bank is where I hold my salary account with and they had offer me a home loan. I got loan of 31 lakhs . Normally this home loan EMI gets deducted from my salary account. And there was some of the charges like 750 and 5750 and with in two weeks the loan got disbursed and over all it was a good service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2017
    • ICICI Bank Home Loan
      "Be flexible in ROI"
      0.5 3.5/5 "Pretty good"
      The process to get my home loan from ICICI Bank was not troublesome. The documentation was easy and the disbursement happened on time as well. But the bank does not reduce the interest rate when RBI drops the rates. I had taken a floating interest rate, the bank is on time to increase it but not decrease it.
      Was this review helpful? 1
      , vadodara
      Reviewed on Jun 10, 2017
    • ICICI Bank Home Loan
      "Convenient Process"
      0.5 5.0/5 "Blown Away!"
      My friend is working with ICICI, I am approaching them for the home loan through him. I had submitted all the documents like KYC , IT Return etc. Once I when I get the approval letter then I should submit the property documents. They ready to sanction 100% of loan, I might be getting verification call today or tomorrow.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jun 07, 2017
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