4 Crore Home Loan ICICI

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ICICI Bank offers home loans for the purchase or construction of a new house. The ICICI Bank home loan interest rate for 4 crore starts from 9.60% p.a. The loan can be comfortably repaid in monthly instalments.

Several factors influence EMI for a 4 crore home loan by ICICI Bank. Among these factors, loan tenure plays an important role. An increase in the loan period simultaneously results in a decrease in the monthly EMIs. Take a look at the EMIs a borrower would have to pay if a 4 crore home loan is borrowed for a period of 10 or 20 years. 

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Table of Content

1. 4 Crore Home Loan ICICI Bank Highlights

2. 4 Crore Home Loan EMI for 10 years by ICICI Bank

3. 4 Crore Home Loan EMI for 20 years by ICICI Bank

4. 4 Crore ICICI Bank Home Loan Fees and Charges

5. 4 Crore ICICI Bank Home Loan Documents Required

6. 4 Crore ICICI Bank Home Loan Eligibility Criteria

Read more
Written By
Kirti Bansal
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
Amit Prakash Singh
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.

4 Crore Home Loan ICICI Bank – Highlights 

An ICICI Bank 4 crore home loan is available at the following terms.

Maximum Loan Amount ₹ 4,00,00,000
Maximum Loan Tenure Up to 30 Years
Rate of Interest (p.a.) 9.60% – 9.90% for salaried employees

9.75%- 10.05% for self-employed

4 Crore Home Loan EMI for 10 years by ICICI Bank 

The following EMI for a 4 crore home loan by ICICI Bank is payable if the loan is borrowed for 10 years.

Loan Amount 4 crore
Rate of Interest (p.a.) 9.60% 
Loan Tenure 10 Years
EMI ₹5,19,783

4 Crore Home Loan EMI for 20 years by ICICI Bank 

Here is the ICICI Bank home loan 4 crore EMI payable over a loan term of 20 years.

Loan Amount 4 crore
Rate of Interest (p.a.) 9.60%
Loan Tenure 20 Years
EMI ₹3,75,468

4 Crore ICICI Bank Home Loan – Fees and Charges 

The ICICI Bank charges the following additional charges over and above the applicable interest rate.

  • Processing Fee: A processing fee of 0.50% of the loan amount is charged by the bank.
  • GST: An 18% Goods and Services Tax is payable over the loan.
  • Other Charges: Several other fees like stamp duty charges, verification charges and legal charges are also payable over home loans. 

4 Crore ICICI Bank Home Loan – Documents Required

The following documents are required while applying for an ICICI Bank 4 crore home loan.

  • Duly filled loan application form
  • ID and Residence Proof
  • Last 3 months’ salary slips for salaried applicants/ Last 3 years’ Balance Sheet and P&L Account for self-employed applicants
  • Last 6 months’ bank statements
  • Form 16
  • Property related documents

4 Crore ICICI Bank Home Loan – Eligibility Criteria 

The following candidates can apply for the ICICI Bank 4 crore home loan:

  • Eligible Applicants: Salaried/ Self-Employed individuals
  • Age Limit: 20-65 years for salaried applicants/ 21-70 years for self-employed applicants
  • Minimum Monthly Income: ₹25,000
  • Credit Score: 700 or more
  • Citizenship: Indian citizen

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