ICICI Bank Home Loan in Ghaziabad

Home Loan Rates 2017 58 views

About ICICI Bank Home Loan in Ghaziabad

Ghaziabad is the gateway to the state of Uttar Pradesh and is an upcoming tier two city. The city has witnessed huge increase in the property rates due to its proximity to New Delhi. To allow the customer in the city to build a dream house, ICICI bank offers a home loan. The product is very much in demand due to low monthly installments and longest repayment tenure. Ghaziabad has eight ICICI bank branches that are working hard to provide the loan to the customer on time.

ICICI Bank Home Loan in Ghaziabad at a glance

The important details of ICICI Bank Home Loan Ghaziabad are given below.

ParticularDetails
Interest rate8.35% - 8.85%
Loan amountFrom ₹30 Lakhs to ₹5 Crore (Few Cases)
TenureUp to 30 years
Processing fee0.50 to 1% of the loan amount or ₹ 1,500 along with service taxes applicable

New Delhi, Mumbai and Bengaluru- ₹2,000
Pre-payment chargeNIL for floating rate of interest

Up to 4% on the principal amount outstanding along with applicable service taxes

Eligibility criteria for an ICICI Bank Home Loan Ghaziabad

The eligibility norms set by ICICI bank for a home loan are given below. Have a look at them.

  • The applicant should have attained a minimum age of 21 years when the loan amount is sanctioned
  • The age of maturity is 65 years. This means the loan has to be completely paid within the set limit of 65 years
  • Both self-employed individuals and salaried employees are eligible to apply for a home loan. They must earn a stable and regular income
  • In case, there is a co-applicant, his/her age should be at least 18 years
  • To improve loan eligibility, the applicant can add his/her spouse as a co-applicant, in case the said person is earning well

Documents needed for ICICI Bank Home Loan Ghaziabad

The list of the all the important documents has been given below. Check them out.

  • Completely filled application which is duly signed
  • Proof of Age- Passport/Birth certificate/ High school mark sheet
  • Identity Proof:- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
  • Photographs of passport size
  • Proof of Address- Utility Bill / Passport/Leave and License Agreement
  • Salary slip of the past three months
  • Bank statement of the last six months
  • Processing fee cheque

Some extra documents which are needed-

For Self-employed Professional:

  • Proof of existence of Business
  • Income tax returns of the last three years
  • Education qualification certificate

For Self-employed Non-Professional:

  • Education qualification certificate
  • Profit & Loss account and Audited Balance Sheet of the last three years which has been certified by a CA
  • Business Profile
  • Income tax returns of the past three years
  • Proof of existence of Business

Other documents related to property-

  • Power of Attorney Format

In case, the loan account holder dies, documents required are:

  • Letter of relinquishment
  • Request letter

For more details, see Home Loan Ghaziabad.

Address of ICICI Bank branches in Ghaziabad

The complete list of ICICI bank Ghaziabad branches has been given below with their address, IFSC & MICR codes and contact details.

BranchAddressIFSCMICRContact details
IndirapuramAg - 1; Plot Number - 3; Aditya City Centre, Vaibhav Khand, Indirapuram, Ghaziabad 201012 Uttar PradeshICIC00007181102290920120-3117147, 9811363158
Raj NagarR - 1/88, Raj Nagar, Ghaziabad, Uttar Pradesh. 201001 ICIC0006286110229028022 - 67574314 / 4322
Indirapuram 2Shop No.Fo1, Plot No.7, Krishna Apra Shopping Plaza, Vaibhav Khand, Indirapuram, Ghaziabad, Uttar Pradesh 201013ICIC00016541102291419873414576, 11-41630322
Choudhary MorePlot No.270, Ambedkar Road, Opp. Nehru Yuva Kendra, Choudhary More, Ghaziabad - 201001, Ghaziabad District., Uttar Pradesh.ICIC0001256110229119
VausundharaPlot No C - 7 Sec - 13 Opposite Jaipuria School, Vasundhara, Ghaziabad - 201012, Ghaziabad Dist., Uttar PradeshICIC000125511022911609953302093, 0120-6451631
VaishaliShop No - 4 Plot No - 18 Ajnara Landmark Sec - 4 Vaishali, Ghaziabad - 201010, Ghaziabad Dist., Uttar PradeshICIC000125411022911709953302093, 0120-6450866
Navyug Market65 Navyug Market, Ghaziabad - 201601 Uttar PradeshICIC00069551102291790120-3223653
Holy Angels school CampusHoly Angels School Campus , Sec - 3, Blk - 9, Rajendra Nagar, Sahibabad, Ghaziabad - 201005 Uttar PradeshICIC0006956110229181120-3226061; 9312208999

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