Kotak Home Loan for Salaried Person

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If you are a salaried person looking for a home loan, Kotak Mahindra Bank offers a range of options to suit your needs. With competitive interest rates and flexible repayment terms, Kotak Home Loan for salaried individuals is designed to make your dream of owning a home a reality. Whether purchasing a new property or refinancing an existing one, Kotak Home Loan provides financial assistance to help you fulfil your housing needs. With a quick and hassle-free application process, you can easily apply for a home loan and enjoy the benefits of doorstep service and dedicated customer support. 

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Table of Content

1. Kotak Home Loan for Salaried Person Highlights

2. Kotak Home Loan for Salaried Person Fees and Charges

3. Kotak Home Loan for Salaried Person Documents Required

4. Kotak Home Loan for Salaried Person 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
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.

Kotak Home Loan for Salaried Person – Highlights

Here is a quick snapshot of the basic highlights for the Kotak Home Loan for salaried person 

Maximum Loan Amount 80 Lakhs
Loan Tenure Up to 25 years 
Loan-to-value Ratio (LTV) Up to 90% of the property’s value
Interest Rate (p.a) 8.70% onwards

Kotak Home Loan for Salaried Person – Fees and Charges

Kotak home loan for salaried persons entails certain fees and additional charges, which are tabulated below. 

Processing Fee
  • 0.5 % of the loan amount 
  • non-refundable fee of ₹5,000
Copy of Any Documents
  • ₹250 (plus taxes)
Change in Repayment Mode
  • ₹500(plus taxes)
Conversion Fee
  • 0.5% of the principal outstanding 
Rescheduling of Loan Term
  • ₹500 (plus taxes)

Kotak Home Loan for Salaried Person – Documents Required

The table below showcases the documents an applicant must submit while applying for a Kotak home loan for a salaried person. 

Proof of Identity
  • Passport
  • PAN Card
  • Voter ID
  • Driving License
Proof of Residence
  • Utility Bill
  • Leave and License Agreement
  • Passport
Income Proof
  • Bank Statements (Last six months for domestic accounts, or 12 months for self-employed professionals)
  • Salary Slips
  • Latest Form-16
Signature Proof 
  • Proof of Educational Qualifications

Kotak Home Loan for Salaried Person – Eligibility criteria

Applicants interested in availing of a Kotak Home Loan for salaried persons must meet the institution’s eligibility criteria. These criteria include the following:- 

Age Criteria  From 18 to 60 years of age 
Income Requirements INR 20,000 onwards
Educational Qualification  Bachelor’s degree
Net Income  INR 2,40,000 onwards

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