2 Crore Home Loan ICICI

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If you belong to the majority in India, purchasing your own home is a goal every individual or family tends to dream of. A home loan is an ideal yet essential step to fulfil that dream. A 2 crore ICICI Bank home loan is one scheme that meets your goal of owning a home or even redecorating your current one. However, getting a home as big as you've dreamed of can require significant funds. And finding a reliable bank offering a loan amount like ₹2 crore is not easy either. Worry no more; Your search ends with an ICICI Bank ₹2 Crore Home Loan. Whether planning to buy or build your dream house, you can confidently start your loan application. Eligible candidates can enjoy generous loan amounts, competitive interest rates, flexible repayment plans, a streamlined application process, and fast disbursement of funds.

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Table of Content

1. 2 Crore Home Loan ICICI Highlights

2. 2 Crore Bank Home Loan EMI for 10 Years ICICI

3. 2 Crore Bank Home Loan EMI for 20 Years ICICI

4. 2 Crore ICICI Bank Home Loan Fees and Charges

5. 2 Crore ICICI Bank Home Loan Documents Required

6. 2 Crore ICICI Bank Home Loan Eligibility Criteria

Written By

Kirti Bansal

Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of finance.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

₹2 Crore Home Loan ICICI – Highlights

The key parameters of an ₹2 crore ICICI Bank home loan are as follows:

Highlights
Interest Rates	9.50% – 9.95% p.a.
Loan Amount	Up to 90% of the property price.
Loan Tenure	Maximum 30 years
Eligibility	Both salaried and self-employed individuals are eligible.

₹2 Crore Bank Home Loan EMI for 10 Years ICICI

Below is the EMI schedule that an applicant may incur while availing of a 2 crore ICICI Bank home loan over 10 years.

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Amount Payment
₹2 Crore	9.50% p.a.	10 years	Rs 3,88,193	Rs 1,65,83,121	Rs 4,65,83,121

₹2 Crore Bank Home Loan EMI for 20 Years ICICI

The EMI schedule for a 2 crore ICICI Bank home loan for 20 years follows.

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Amount Payment
₹2 Crore	9.50% p.a.	20 years	Rs 2,79,639	Rs 3,71,13,446	Rs 6,71,13,446

₹2 Crore ICICI Bank Home Loan – Fees and Charges

The fees and charges associated with an ICICI Bank ₹2 Crore home loan are as follows:

Fee/Charge	Amount
Processing Fee	0.75% – 3% of the loan amount + GST
Prepayment Fee	Nil
Default repayment	2% per month + GST
Cheque / ECS /NACH dishonour Charges per transaction	₹ 500 + GST
Copy of original documents	₹ 1000 + GST
Repayment mode swap charges	₹ 1000 + GST
Charges for Amortisation Schedule	₹ 100 + GST
Charges for swap of property	₹ 10000 + GST
Charges for duplicate NOC / No due certificate	₹ 500 + GST
Conversion charges	0.50% on principal outstanding + GST
Charges on account of non-submission of PDC/NACH Mandate Form for EMI payment per transaction	₹ 2000 + GST
Cheque / Repayment Mode swap charges other than PDC to PDC	₹ 500 + GST

₹2 Crore ICICI Bank Home Loan – Documents Required

Let’s take a look at the required documents for an ICICI Bank ₹2 Crore home loan:

Proof of Identity: Aadhaar Card, PAN Card, Passport, Voter ID or Driving License.

Proof of Address: Utility Bills, rent agreement, or ration card.

Proof of Income: Salary slips, income tax returns or Form 16, and bank statements for the last six months.

Proof of Employment: Job offer/appointment letter, business proof (Applicable for self-employed individuals)

Proof of Property: Title deeds of the property and construction approvals.

₹2 Crore ICICI Bank Home Loan – Eligibility Criteria

Let’s take a look at the ₹ 2 crore home loan eligibility in ICICI Bank:

Age: Salaried individuals must be between 20 and 65 years old, whereas self-employed individuals can be in the age range of 21 to 70 years.

Income: Applicants are required to have a minimum salary or income of Rs 25,000 per month.

Credit Score: Applicants must possess a credit score of 700 or above.

Nationality: Applicants must be Indian citizens.

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