ICICI Home Loan for Salaried Person

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With a legacy of excellence in banking and financial services, today, ICICI Bank stands as one of the most trustworthy banks in India. Its home loan offerings are tailored to suit the unique needs of the applicants, offering competitive interest rates, flexible repayment options, and swift processing to ensure a hassle-free experience.

ICICI Bank is dedicated to facilitating their path to a secure and comfortable abode. ICICI Bank's comprehensive suite of home loan products caters to diverse preferences, whether individuals are first-time homebuyers or looking to upgrade their living space. They can experience the convenience of a seamless application process, transparent terms, and a customer-centric approach. All of this sets ICICI Bank apart when it comes to home financing. 

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Table of Content

1. ICICI Home Loan for Salaried Person Highlights

2. ICICI Home Loan for Salaried Person Requirements Fees and Charges

3. ICICI Home Loan Documents for Salaried Persons

4. ICICI Bank Home Loan for Salaried Person Eligibility

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
Piyush Bothra
Piyush Bothra
Chief Financial Officer, Square Yards
Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

ICICI Home Loan for Salaried Person – Highlights

Here is a quick snapshot of ICICI Bank Home Loan for Salaried persons. 

Loan Amount Rs 5 CR
ICICI Home Loan for Bank Employees Interest Rate 9.00-9.90% p.a.
Loan Tenure 18 – 25 years
Eligibility Bank Employees 

ICICI Home Loan for Salaried Person Requirements – Fees and Charges

Take a look at the fees and charges for ICICI Bank Home Loan for salaried persons. 

Fee/Charge Amount
Processing Fee Up to 2% of the loan amount + GST or INR 3,000 whichever is higher 
Late Payment Fees Rs. 500/-plus applicable taxes and other statutory levies, if any.
Prepayment Charges 2% + GST for fixed rate; Nil for floating rate
Cheque/ECS/NACH dishonour Charges Rs 500
Property Document retrieval charges Rs. 500/-plus applicable taxes and other statutory levies, if any.
Cheque/Repayment mode swap charges Rs. 500/-plus applicable taxes and other statutory levies, if any.
Charges for Amortisation Schedule Rs. 150/-plus applicable taxes and other statutory levies, if any for physical printout
Charges for Statement of Account Rs. 150/-plus applicable taxes and other statutory levies, if any for physical printout
Charges for prepayment statement Rs. 150/-plus applicable taxes and other statutory levies, if any for physical printout
Charges for duplicate NOC/No Dues Certificate Rs. 250/- plus applicable taxes and other statutory levies, if any.
Professional charges (Advocate Charges/Retainer ship Charges) At Actuals

ICICI Home Loan Documents for Salaried Persons

Here is a quick rundown of the documents that an applicant will require to apply for ICICI home loan for salaried persons.  

  • Identity Verification: To establish identity, applicants will need to provide any one of the following government-approved documents: an Aadhaar card, PAN card, passport, voter ID, or driving licence.
  • Address Verification: Proof of address can be validated through the submission of utility bills, passport, or driving licence.
  • Income Verification: To validate income, applicants must furnish income tax returns for a minimum of 2 years, income proof certification from a Chartered Accountant (CA), regular filing of GST, TDS, and income tax, along with business and personal bank statements spanning the last 3 years.
  • Property Verification: Documents such as the title deed, sale agreement, approved plan, etc., are required for property verification.

ICICI Bank Home Loan for Salaried Person Eligibility

The ICICI home loan eligibility for salaried persons is as follows:

  • The applicant must be an Indian citizen. 
  • The person should be between 20-65 years of age. 
  • The applicant must have a minimum salary of INR 25,000. 
  • The applicant must have a healthy credit score.

Frequently Asked Question (FAQs)

What is the age limit for a salaried person to avail a home loan via ICICI Bank?

The maximum age limit for a salaried person to apply for a home loan via ICICI Bank is 65 years.

What is the maximum age for a salaried person to apply for ICICI Bank home loan?

The maximum age limit for a salaried person to apply for a home loan via ICICI Bank is 65 years.

How much is the ICICI Bank home loan interest rate for a salaried person?

The interest rate at ICICI Bank starts at 9.00%.

What is the minimum and maximum home loan amount that a salaried person can apply for via ICICI Bank?

The minimum amount that a salaried person can apply for a home loan via ICICI Bank is INR 3 lakh, and the maximum amount is INR 5 crore.

What is the repayment tenure for an ICICI Bank home loan for a salaried person?

The repayment tenure for the ICICI Bank home loan is 25 years.

What is the minimum age for a ICICI home loan to salaried person?

The minimum age for a salaried person to avail of an ICICI Bank home loan is 18 years.

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