35 Lakh ICICI Home Loan

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Secure your dream home with ICICI's ₹35 Lakh home loan, offering a seamless digital application process, minimal documentation, and instant approval. Whether you're buying, building, renovating, or expanding, ICICI provides competitive interest rates, flexible repayment options, and fast fund disbursement. Enjoy the convenience of applying online without visiting a branch. Benefit from affordable processing fees and meet moderate eligibility criteria. For details on ₹35 Lakh Home Loan EMI, interest rates, and fees, scroll down. Your ideal home is just a step away with ICICI Bank.

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Table of Content

1. 35 Lakh Home Loan ICICI Highlights

2. 35 Lakh ICICI Home Loan EMI for 10 Years

3. 35 Lakh ICICI Home Loan EMI for 20 Years

4. 35 Lakh ICICI Home Loan Fees and Charges

5. 35 Lakh ICICI Home Loan Documents Required

6. 35 Lakh ICICI Home Loan Eligibility Criteria

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

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

35 Lakh Home Loan ICICI – Highlights

Here are the key parameters of an ICICI ₹35 Lakh home loan:

Interest Rates	8.75% p.a. onwards
Processing Fees	0.50% – 2.00% of the loan amount or Rs. 3000, whichever is higher, plus taxes.
Loan Amount	Rs 35 Lakh (75% – 90% of the property cost)
Loan Tenure	Up to 30 years
Eligibility	Applicable to both salaried and self-employed individuals

35 Lakh ICICI Home Loan EMI for 10 Years

Following is the ₹35 Lakh home loan EMI in ICICI for a 10-year loan tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total amount Payment
Rs 35 Lakh	8.75% p.a.	10 years	Rs 43,864	Rs 17,63,724	Rs 52,63,724

35 Lakh ICICI Home Loan EMI for 20 Years

Following is the ₹35 Lakh home loan EMI for 20 years in ICICI Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total amount Payment
Rs 35 Lakh	8.75% p.a.	20 years	Rs 30,930	Rs 39,23,170	Rs 74,23,170

35 Lakh ICICI Home Loan – Fees and Charges

Here are the fees and charges associated with the ICICI ₹35 Lakh home loan:

Fee/Charge	Amount
Processing Fee	0.50% – 2.00% of the loan amount or ₹3000, whichever is higher
Administrative Charges	0.25 % of the facility amount or ₹5000, whichever is lower
Prepayment charges	2% of the prepayment amount
Late payment charges	2% per month on the overdue amounts.
Cheque bounce charges	₹500
Property Document retrieval charges	₹500
Repayment mode swap charges	₹500
Cheque issuance & revalidation charges	₹250
Stamp duty & other statutory charges	As per applicable laws of the state

35 Lakh ICICI Home Loan – Documents Required

The following are the required documents for an ICICI ₹35 Lakh home loan:

Proof of Identity: PAN Card, Passport, Voter ID, or Driving License.
Proof of Address: Utility Bills, Passport, Driving License, or Aadhaar Card.
Proof of Income: Salary slips of the last 3 months, Bank statements of the last 6 months, or Form 16/ Income Tax Returns.
Proof of Property: Receipts of payments done to the developer, A copy of the plans that is approved by the Local Authorities, Allotment Letter, Title Deeds, etc.
Other Documents: Cheque for processing fee, and the application form with passport size photograph.

35 Lakh ICICI Home Loan – Eligibility Criteria

₹35 Lakh home loan eligibility ICICI Bank is as follows:

You must be a salaried or self-employed individual.
You must be aged between 21 to 65 years old.
You must have a good credit score and repayment history.
You should have a stable source of income to cover the monthly repayment.
You must be an Indian citizen.

Frequently Asked Question (FAQs)

What is the EMI for a 35 Lakh Home Loan for 20 years in ICICI?

Rs 30,930 is the EMI for a 35 Lakh Home Loan for 20 years in ICICI Bank.

Who is eligible for a 35 Lakh Home loan in ICICI?

Either salaried or self-employed individuals who demonstrate a stable source of income to cover the monthly repayment of a ₹35 lakh home loan.

What is the monthly interest rate of a 35 Lakh home loan in ICICI?

0.729% is the monthly interest rate of a 35 Lakh home loan in ICICI.

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