Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • ICICI Loan Against Property is Rated as "Great!" by 15633 Users

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    ICICI Loan Against Property

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    Overview

    ICICI offers a special loan scheme wherein the customers can avail loans against property. ICICI loan against property comes at an attractive rate of interest. The loan amount can be used for business or personal needs.

    Features of ICICI Loan against Property (Mortgage Loan)

    Listed below are the features of ICICI loan against property scheme.

    • The loan is sanctioned against existing property owned by the applicant.
    • The loan can be used for any purpose ranging from business expenditure to education needs.
    • Competitive rates
    • Fast processing
    • The loan is available for salaried, self-employed professionals and non-professionals residing in India.
    • High loan amounts
    • Loan tenors up to 15 years
    • The loan can be applied for online
    • Easy and hassle free application process
    • Dedicated team of customer service

    Benefits of ICICI Loan against Property

    Listed below are the benefits of ICICI loan against property.

    • High loan amounts- The bank offers high loan amounts for its ICICI loan against property.
    • Long tenor-The loan comes ta high tenor periods of up to 15 years.
    • Utility-The loan can be utilised for any personal expenditure and there is no restriction on it.

    Eligibility criteria for ICICI Loan against Property

    Listed below is the eligibility criteria for ICICI loan against property.

    • Available for salaried individuals and self-employed professionals and non-professionals.
    • The applicant should be the owner of the property being mortgaged.

    Fees and charges for ICICI Loan against Property

    Listed below are the fees and charges for ICICI loan against property.

    • Prepayment charges- No prepayment charges after six months of final disbursement. Prepayment charges of 2% on principal outstanding amount is applicable within six months of final disbursement.
    • Processing fee- Up to 1% of the loan amount.

    ICICI Loan against Property Interest rate

    • ICICI Regular loan against property interest rate- 12.50%

    How to avail ICICI Loan against Property?

    It is very easy to avail ICICI loan against property (Mortgage Loan) schemes. One can apply for it online through the bank’s official website or visit one of the bank’s branches. The applicant can also apply for the loan through third party financial websites.

    ICICI Loan Against Property Reviews

    • ICICI Bank Personal Loan
      "Response part should be improved"
      0.5 3.5/5 "Pretty good"
      ICICI taken all the documents then no body contacted me back, they gave me the relationship manager number then I was following up. Then ICICI taken week times to get back to me, finally they have disbursed the amount with better rate of interest.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Can do better"
      0.5 3.0/5 "Satisfactory"
      No one contacted me from ICICI Team for the personal loan that is why i had not taken the personal loan as of now i had taken a mobile through HDB financial services. No calls no messages nor mail that I had received from ICICI bank team. It was my Manager who recommended me for ICICI.
      Was this review helpful? 0
      , kumbakonam
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Personal loan"
      0.5 5.0/5 "Blown Away!"
      The rate of interest charged by ICICI Bank was around 10.99 for the persona loan, but processing fee is some what high 3%, I personally feel ICICI bank is doing good, why because HDFC bank is charging 5% as the foreclosure charge where as ICICI bank hardly charges 3% for the above mentioned loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Behalf of me, my son have taken a loan from the bank hence my need got fulfilled. ICICI bank is good they have called me twice, once time I was work busy with some other work, hence they called me again. Finally I informed them I don't have any requirement right now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Go head for ICICI"
      0.5 5.0/5 "Blown Away!"
      I had a personal loan with ICICI for the amount Rs. 2 lakhs. After six months of EMI, my salary structure got changed and I started receiving salary delay. But whenever I receive the salary I used to make payment bank have accepted and without any late fee they helped to process the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank requested to me to share the document for the personal loan but at the time unfortunately I held with some other work. Hence I could not process my personal loan with them, now again I am planning to take personal loan with same bank.
      Was this review helpful? 0
      , medak
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I am planning to invest the money in small business, but ICICI asked me to submit three years of work experience. But it has been two years old, that is the reason I could not process my online loan request. Anyway two days back I opened saving account ICICI bank, through them I am going to process the loan.
      Was this review helpful? 0
      , kozhikode
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its average"
      0.5 4.0/5 "Great!"
      ICICI Bank expected the salary of Rs.17500 on monthly average, but I was getting the salary of Rs.15,000. Hence I could process my loan with ICICI. Therefore they have closed the loan application. I was looking for principal amount around Rs.1 lakh it was not successful.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Poor services"
      0.5 1.0/5 "Really Bad"
      After me applying for a personal loan with ICICI Bank, I received a call and it was from a branch which was pretty far away. So I requested for a branch which is near by to me. Since I got no call from them, I contacted them personally and their phone is not in coverage. Due to which I postponed the loan decision.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Its good"
      0.5 4.0/5 "Great!"
      My loan was not been sanctioned with ICICI, because I already have other loan based on property and one personal loan. Hence ICICI not willing to do balance transfer option. I am an existing customer of the bank , but I am fine with their norms.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "AVERAGE"
      0.5 5.0/5 "Blown Away!"
      I am happy with the services of ICICI Bank. I have taken a personal loan and I got the funds in my account within ten days. The rate of interest was very high, because my company was not listed in my account. The rate of interest was of 18% and they were high on the charges as well. I would suggest that they need to see the customers statement record and provide a lesser rate than too see to the company listed criteria.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      ICICI Bank contacted me for the personal loan and they asked me for couple of documents as I was talking to the executive about the same. My call was disconnected. It was not a very good experience with the bank. They need to be more professional.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Communication was proper"
      0.5 3.0/5 "Satisfactory"
      ICICI Banks communication with me regarding the Personal Loan application was top notch, I got the details pretty swiftly and efficiently. I felt the Rate of Interest of 17.99 % to be little high, but considering the urgency I was in it was alright for me. I also felt the new executive with the Bank lacked the communication required.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Okay"
      0.5 4.5/5 "Excellent!"
      My experience with the ICICI bank was really good one for me with them and the customer service was really fine one for me. The loan amount got disbursed within a week of time. I am happy for the personal loan, which got disbursed.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "excellent service"
      0.5 4.5/5 "Excellent!"
      I have got a personal loan from ICICI I am very much happy with their service before the time I applied for the loan the rate of interest was high with them but once I applied for a loan their branch manger have reduced the rate of interest rate and already I have uploaded the documents in the website so they have not asked for my documents during the process ,service from ICICI for my personal loan was excellent.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Dissatisfed"
      0.5 1.0/5 "Really Bad"
      ICICI interest rate was very high for the personal loan, I have taken the amount 3.6 lakhs for the interest rate of Rs. 12.5% of interest it was huge and also they taken around Rs.10,000 as a processing fee. I am disappointed with them on charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank for the personal loan. The customer services are good and the response is also good. There has been no hassles in the document collection. The only drawback is the loan amount. I was initially offered 3.5 Lakhs and the bank wanted to offer only 1.5 lakhs. Then I refused the loan and the bank finally disbursed two lakhs.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Good response"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with ICICI bank. I got a proper and prompt response. The customer service is good. The interest was nominal. The documentation process was good. They have sanctioned the loan on time, The preclosure and part payment option is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Hassle Free"
      0.5 5.0/5 "Blown Away!"
      I don't have any issues with ICICI, they gave me good service, I took the personal loan of ICICI for the principal amount of Rs. 4 lakhs it has the tenure of four years. I am quite fine with their interest rate and processing fee even EMI option is also good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Best service "
      0.5 5.0/5 "Blown Away!"
      I had taken a personal loan from ICICI bank for an amount of one lakh at low interest rate they had taken a minimum amount of processing fees from my principle amount.They took almost 5-7 days to credit the amount. It was a much quick process as compared to other banks in the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
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