90 Lakh Home Loan ICICI

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The ICICI ₹90 lakh home loan presents a robust financial solution tailored to diverse housing needs. This flexible financing option empowers you to purchase or construct a new residence, expand or renovate your current property, or even purchase a plot to construct your dream home. With competitive interest rates, accommodating repayment plans, a streamlined application process, and swift fund disbursement, ICICI stands out as a reliable choice for home financing. In the following sections, we will discuss details such as the ICICI home loan interest rate for ₹90 lakh, eligibility criteria, necessary documentation, applicable fees, and projected EMIs for different tenures.

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Table of Content

1. 90 Lakh Home Loan ICICI Highlights

2. 90 Lakh Home Loan EMI for 10 Years ICICI

3. 90 Lakh Home Loan EMI for 20 Years ICICI

4. 90 Lakh ICICI Home Loan Fees and Charges

5. 90 Lakh ICICI Home Loan Documents Required

6. 90 Lakh ICICI Home Loan Eligibility Criteria

Written By

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

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.

90 Lakh Home Loan ICICI – Highlights

Here are the key parameters of the ICICI ₹90 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.

90 Lakh Home Loan EMI for 10 Years ICICI

Let’s take a look at the estimated ₹90 lakh home loan EMI for 10 years with ICICI Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest Payable	Total Amount Payment
₹90 Lakh	9.50% p.a.	10 years	Rs 1,16,458	Rs 49,74,936	Rs 1,39,74,936

90 Lakh Home Loan EMI for 20 Years ICICI

Let’s take a look at the estimated ₹90 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
₹90 Lakh	9.50% p.a.	20 years	Rs 83,892	Rs 1,11,34,034	Rs 2,01,34,034

90 Lakh ICICI Home Loan – Fees and Charges

Let’s take a look at the fees and charges associated with an ICICI ₹90 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

90 Lakh ICICI Home Loan – Documents Required

The required documents for an ICICI ₹90 lakh home loan are as follows:

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.

90 Lakh ICICI Home Loan – Eligibility Criteria

The required ₹90 lakh home loan eligibility in ICICI Bank is as follows:

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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