3 Crore Home Loan ICICI

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If you're similar to the majority in India, you'll likely need to secure a home loan to fund your upcoming home purchase. However, obtaining a home as big as you have dreamed of may require a substantial fund. And finding a trusted bank that offers a loan amount like ₹3 crore is also not easy. Worry no more; your search concludes with ICICI ₹3 crore home loan. Whether planning to purchase or construct your dream house, you can confidently initiate your loan application. Eligible candidates can enjoy the generous loan amount, competitive interest rate, flexible repayment plan, streamlined application process, and quick fund disbursement. Let’s scroll down to learn more about this borrower-friendly financing option.

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Table of Content

1. 3 Crore Home Loan ICICI Highlights

2. 3 Crore Home Loan EMI for 10 Years ICICI

3. 3 Crore Home Loan EMI for 20 Years ICICI

4. 3 Crore ICICI Home Loan Fees and Charges

5. 3 Crore ICICI Home Loan Documents Required

6. 3 Crore ICICI Home Loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

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.

₹3 Crore Home Loan ICICI – Highlights

The key parameters of an ICICI ₹3 crore home loan are as follows:

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.

3 Crore Home Loan EMI for 10 Years ICICI

Following are the ₹3 crore home loan EMI for 10 years with ICICI Bank:

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

3 Crore Home Loan EMI for 20 Years ICICI

Following are the ₹3 crore home loan EMI with ICICI for a 20-year loan tenure:

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

3 Crore ICICI Home Loan – Fees and Charges

The fees and charges associated with an ICICI ₹3 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

3 Crore ICICI Home Loan – Documents Required

Let’s take a look at the required documents for an ICICI ₹3 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 6 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.

3 Crore ICICI Home Loan – Eligibility Criteria

Let’s take a look at the ₹3 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 are required to possess a credit score of 700 or above.
Nationality: Applicants must be Indian citizens.

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