ICICI Bank Home Loan in Guwahati

About ICICI Bank Home Loan in Guwahati

ICICI bank offers a home loan to eligible loan seekers in Guwahati. The product can be availed by anyone, irrespective of whether he/she is a salaried employee or a self-employed one. It comes with affordable interest rate and flexible tenure period. A person in Guwahati can now fulfill his/her dream of buying a house with the help of this product. ICICI bank has opened more than 10 branches here in Guwahati.

ICICI Bank Home Loan in Guwahati at a glance

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

ParticularDetails
Interest rate8.55% - 8.80%
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 Guwahati

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 Guwahati

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, refer to Home Loan Guwahati.

Address of ICICI Bank branches in Guwahati

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

BranchAddressIFSCMICRContact details
Fancy BazarOhio Shopping Complex, Fancy Bazar, M.G.Road, Guwahati 781001 AssamICIC00005437812290030361-2733137, 9954449045
G.S. RoadGround Floor, Shanti Complex, G S Road, Bhangagarh, Guwahati 781005 AssamICIC00063437812290029864667777
A.T. RoadA.T. Road, Mangal Ram Tower, Near Police Reserve, Guwahati, Pin - 781001 AssamICIC00012997812290049864667777
M.S.Road1St Floor, Laxmi Niwas, M.S.Road, Fancy Bazar, Guwahati - 781001 AssamICIC00066457812290059864667777
Beltola Ward No.: 29, H/N:3543 Opposite Megha Plaza, Beltola- Basistha Chariali, Guwahati, Assam, 781028ICIC00019897812290069864667777
SilpukhuriOpposite Goswami Service Station, GNB Road, Silpukhuri, Guwahati, Assam-781003ICIC00021067812290079864667777
Zoo Road TinialiR.G.B.Road, Zoo Road Tiniali, Near Traffic Point, Guwahati - 781021, AssamICIC00021507812290089864667777
GanshguriWard No.57, Near Ganeshguri Fly Over, Ganeshguri, Guwahati - 781006, AssamICIC00021517812290099864667777
KalapaharNear Bharat Sevashram Sangha, Kalapahar, Lokhra Main Road, Guwahati - 781016, AssamICIC00024537812290119864667777
NarengiOra Commercial Complex, Narengi Tiniali, Guwahati - 781026, AssamICIC00024547812290109864667777

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