85 Lakh Home Loan ICICI

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ICICI Bank’s 85 lakh home loan can help finance big purchases and new constructions. These loans can be easily repaid in Equated Monthly Instalments (EMIs). Let's take a comprehensive look at the effect of changing loan tenures on the ICICI Bank home loan 85 lakh EMIs. 

The loan tenure is inversely related to loan EMIs. As the tenure increases, monthly instalments decrease. Currently, the ICICI Bank home loan interest rate for 85 lakhs is 9.60% p.a. Coupling the two factors, take a look at the 85 lakh home loan EMIs for loan tenures of 10 and 20 years. 

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Table of Content

1. 85 Lakh Home Loan ICICI Bank Highlights

2. 85 Lakh home loan EMI for 10 years ICICI Bank

3. 85 Lakh Home Loan EMI for 20 Years ICICI Bank

4. 85 Lakh ICICI Bank Home Loan Fees and Charges

5. 85 Lakh ICICI Bank Home Loan Documents Required

6. 85 Lakh ICICI Bank Home Loan Eligibility Criteria

Read more
Written By
Hepson Franklin
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
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.

85 Lakh Home Loan ICICI Bank – Highlights 

ICICI Bank’s 85 Lakhs home loan offers the following features to the borrowers.

Maximum Loan Amount 85,00,000
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

85 Lakh home loan EMI for 10 years ICICI Bank

An ICICI Bank 85 Lakhs home loan borrowed for 10 years results in the following EMI payments.

Loan Amount 85 lakh
Rate of Interest (p.a.) 9.60% 
Loan Tenure 10 Years
EMI ₹1,10,454

85 Lakh Home Loan EMI for 20 Years ICICI Bank 

Borrowers opting for the loan for a tenure of 20 years will be required to pay the following EMI charges every month.

Loan Amount 85 lakh
Rate of Interest (p.a.) 9.60% 
Loan Tenure 10 Years
EMI ₹78,787

85 Lakh ICICI Bank Home Loan – Fees and Charges 

Other than ICICI Bank’s home loan interest rate of 85 lakhs, there are several additional charges one has to pay while borrowing the loan. Some of these charges are:

  • A Processing fee of 0.50% of the loan amount
  • 18% Goods and Services Tax
  • Other charges like stamp duty, verification charges, legal fees etc. 

85 Lakh ICICI Bank Home Loan – Documents Required

While applying for the loan, borrowers must carry these documents to expedite the process.

  1. Properly filled out loan application form
  2. Identity Proof: Aadhar Card/ Driver’s License
  3. Residential Proof: Utility Bills/ Aadhar Card
  4. Income Proof: Salary Slips/ Balance Sheet and P&L account
  5. Financial Statement: Bank statement of the last 6 months
  6. Form 16
  7. Property Related Documents

85 Lakh ICICI Bank Home Loan – Eligibility Criteria 

ICICI Bank offers a home loan worth 85 lakhs to borrowers satisfying the following criteria:

  • Nature of Employment: Salaried/ Self-employed
  • Age Limit: 20-65 years for salaried applicants/ 21-75 years for self-employed applicants
  • Minimum Monthly Earning: ₹25,000
  • Credit Score: 700 and above
  • Citizenship: Indian

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