30 Lakh ICICI Home Loan

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Over the years, ICICI Bank has emerged as one of the leading banks, guiding individuals through the significant milestone of homeownership with its 30 lakh home loan offering. Crafted to accommodate the diverse needs of aspiring homeowners, ICICI Bank's home loan provides a financial pathway to transform the dream of owning a home into reality. With a dedicated focus on affordability and transparency, this product ensures competitive interest rates and flexible repayment options.

Tailored for those aiming to purchase or construct their ideal home, ICICI Bank's 30 lakh Home Loan features a streamlined application process. Eligibility is open to Indian citizens who meet the basic criteria. In today's discussion, we will delve into comprehensive details about ICICI Bank's 30 lakh home loan.

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Table of Content

1. ICICI Bank 30 lakh Home Loan Highlights

2. 30 Lakh Home Loan EMI for 10 Years ICICI Bank

3. 30 lakh Home Loan EMI for 20 Years ICICI Bank

4. ICICI Bank 30 lakh Home Loan- Fees and Charges

5. 30 lakh ICICI Bank Home Loan Documents Required

6. 30 lakh Home Loan Eligibility ICICI Bank

Written By

Amrita Sinha

Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal 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.

ICICI Bank 30 lakh Home Loan – Highlights

The HDFC Bank 30 lakh home loan is available on the following terms:

Loan Amount	30 lakh
Interest Rate (p.a.)	8.75% – 9.40%
Maximum Loan Tenure	30 Years
Maximum Loan-to-Value Ratio (LTV)	75% of the property’s value

30 Lakh Home Loan EMI for 10 Years ICICI Bank

Here is the rundown of the ICICI Bank home loan interest rate EMI for 10 years. Take a look!

Loan Amount	30 lakh
Rate of Interest (p.a.)	8.75 %
Loan Tenure	10 Years
EMI	INR 37,598

30 lakh Home Loan EMI for 20 Years ICICI Bank

The following is the ICICI Bank home loan interest rate EMI for 20 years.

Loan Amount	30 lakh
Rate of Interest (p.a.)	8.75 %
Loan Tenure	20 Years
EMI	INR 26,511

ICICI Bank 30 lakh Home Loan- Fees and Charges

Following are the fees and charges associated with a 30 lakh ICICI home loan. Take a look!

A processing fee of 2.00% of the loan amount, along with the applicable 18% GST, is charged.
Additional charges, such as incidental costs, document verification charges, and stamp duty charges, may be applicable.

30 lakh ICICI Bank Home Loan – Documents Required

You will need the following documents to apply for ICICI Bank 30 lakh home loan.

Mandatory Documents: Loan Application, PAN Card
KYC Documents Required: ID Proof (Aadhar Card/ Voter’s ID), Residence proof (Utility Bills/ Aadhar Card)
For Income Proof: Last 3 months’ salary receipts; last 2 years’ balance sheet and P&L account; Last 2 years’ income tax returns, etc.
For Property Papers: Registered sales deed, Allotment letter and other documents showcasing ownership

30 lakh Home Loan Eligibility ICICI Bank

The eligibility criteria for a 30 lakh home loan are as follows:

Applicants can be either salaried, self-employed or engaged in agriculture.
Individuals must be Indian residents or NRIs.
The minimum age requirement for applying for a 30 lakh home loan is 18 years, and the maximum age limit is 70 years.

Frequently Asked Question (FAQs)

What is the monthly EMI for a 30 lakh home loan with ICICI Bank over 20 years?

The EMI for a 30 lakh home loan, at an interest rate of 8.75%, would be calculated based on the loan tenure.

Who qualifies for a 30 lakh home loan with ICICI Bank?

Any Indian citizen meeting the basic eligibility criteria is eligible to apply for a 30 lakh home loan with ICICI Bank.

What is the monthly interest rate for a 30 lakh home loan with ICICI Bank?

The monthly interest rate for a 30 lakh home loan with ICICI Bank starts at 8.75%.

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