75 Lakh Home Loan ICICI

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The ICICI ₹75 lakh home loan is considered a versatile financing option. You can use the funds to buy or build a new house, extend or renovate your existing house, or buy a plot and construct a house on it. Moreover, the bank offers competitive interest rates, flexible repayment options, a hassle-free application process, and quick fund disbursal. To learn more about this appealing home loan, let’s scroll down. We will present information such as the ICICI home loan interest rate for ₹75 lakh, its eligibility criteria, required documents, applicable fees, and more. We will also outline the estimated ₹75 lakh home loan EMI with ICICI Bank for various tenures, including 10 and 20 years.

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Table of Content

1. 75 Lakh Home Loan ICICI Highlights

2. 75 Lakh Home Loan EMI for 20 Years ICICI

3. 75 Lakh ICICI Home Loan Fees and Charges

4. 75 Lakh ICICI Home Loan Documents Required

5. 75 Lakh ICICI Home Loan Eligibility Criteria

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything 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.

75 Lakh Home Loan ICICI – Highlights

Following are the key parameters of the ICICI ₹75 lakh home loan:

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.

75 Lakh Home Loan EMI for 20 Years ICICI

Here are the ₹75 lakh home loan EMI with ICICI for a 20-year loan tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Amount Payment
₹75 Lakh	9.50% p.a.	20 years	Rs 69,910	Rs 92,78,361	Rs 1,67,78,361

75 Lakh ICICI Home Loan – Fees and Charges

Here are the fees and charges associated with an ICICI ₹75 lakh home loan:

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

75 Lakh ICICI Home Loan – Documents Required

Here are the required documents for an ICICI ₹75 lakh 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.

75 Lakh ICICI Home Loan – Eligibility Criteria

Here is the ₹75 lakh 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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