ICICI Bank Home Loan in Kochi

Home Loan Rates 2017 78 views

About ICICI Bank Home Loan in Kochi

ICICI bank is one of the leading private sector banks and has been serving the customers in India since 1994. The bank gives wings to the dreams of people in Agra who wish to buy or construct a home of their own. The bank offers various housing loan schemes to the customer in Agra so that their dreams are turned into reality. The bank has set up seven branches in Agra for providing the product on time.

ICICI Bank Home Loan in Kochi at a glance

The important details of ICICI Bank Home Loan Kochi 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 Kochi

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 Kochi

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 information, please refer to Home Loan Kochi

Address of ICICI Bank branches in Kochi

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

BranchAddressIFSCMICRContact details
Mahatma Gandhi RoadEmgee Square, M.G.Road, Ernakulam, Kochi. 682035 KeralaICIC00000106822290029020667777
KadavantharaAdonai Towers, S.A Road, Kadavanthara Po, Kochi - 682016 KeralaICIC00002776822290049020667777
PalarivattomModus Building, S.N Junction, Palarivattom, Kochi - 682037, KeralaICIC00010296822290089020667777
EdappallyB M Complex, Edappally, Ernakulam, Kochi Kerala 682024ICIC00062646822290039020667777
ThoppumpadyAmbal Building, Near Gammon Bridge, Thoppumpady, Kochi - 682006, Ernakulam Dist., Kerala.ICIC00016916822290109020667777
Willingdon IslandOld Dlb Building, Willingdon Island, Kochi - 682 009.KeralaICIC00011646822290169020667777
ChembumukkuPalackal Building, Chembumukku, Kakkanad, Kochi - 682030, Ernakulam Dist., Kerala.ICIC00011636822290149020667777
Ravi PuramTeepeyem Tower, Opp. Shipyard, Ravi Puram, Kochi - 682020, Ernakulam Dist., Kerala.ICIC00011626822290139020667777
KaloorNaduparambil House, Kaloor - Kadavanthra Road, Kaloor, Kochi - 682017, Ernakulam Dist., Kerala.ICIC00011616822290129020667777
KalamasseryWard - 3, Door No.284 & 285, Rajagiri Road, Kalamassery, Kochi - 683104, Ernakulam Dist., Kerala.ICIC00011596822290119020667777
ElamakkaraBroadways Arcade, Punnakkal Jun, Elamakkara, Kochi - 682026, Ernakulam Dist., KeralaICIC00011606822290179020667777
VyttilaParekkattil Towers, Opposite Welcare Hospital, Vyttila , Ernakulam - 682019, Ernakulam Dist., Kerala.ICIC00011106822290209020667777

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