About IDBI Bank Home Loan in Guwahati
To serve the citizens of the country, IDBI Bank has proposed several banking products. It helps the people by providing them the unique solution for their problem. It caters the requirement of home buyers by giving them the home loan through which they can arrange the funds for purchasing or constructing their house.
IDBI Bank Home Loan in Guwahati at a Glance
Particulars | Details |
---|---|
Interest Rate | 8.80% - 12.25% |
Loan amount | ₹ 5 lakhs to ₹ 10 Crores |
Tenure | Salaried - 30 years Self Employed Professional/ Non-Professionals - 20 years |
Processing fee | As per bank's norm |
Pre- payment charges | As per bank's norm |
Eligibility Criteria
The IDBI Bank provides home loan after evaluating individual’s profile. It has set certain criteria to determine the suitability. The home loan can be availed by:
(1) Salaried individuals who have at the time of loan application attended the age of 22 years. The maximum age at the termination of loan should not be more than 70 years subject to establishment of satisfactory repayment.
(2) Self Employed Professionals (viz.doctors, engineers, dentists, architects, chartered accountants, management consultant, company secretary, etc) who have attended the age of 25 years at the time of application and maximum age at the time of termination of loan should not be above 70 years.
(3) Self Employed Non-Professionals (Businessmen) who have attended the age of 25 years at the time of application and maximum age at the termination of loan should not be above 65 years. Maximum age under the category may be relaxed subjected to availability of proper succession plan of the business.
Documents Required
In order to avail the benefit of home loan, the individual needs to submit the following documents:
- Signed application form with photograph
- ID Proof- PAN Card/ Voter ID/Passport/Driving License, photograph
- Residence proof – Latest Telephone Bill/ Electricity Bill/ Property Tax Receipt/ Passport/ Voter ID
- Income Proof – Form 16/ITR (for salaried individuals) & Last 3 years Income Tax returns (self and business), Last 3 years Profit /Loss and Balance Sheet (for Self-Employed)
- Last 6 months bank statement
- Last 3 months salary slips
- Processing fee cheque
- Education Qualifications Certificate and Proof of business existence (for Self-Employed Professionals)
- Proof of business existence and Business Profile (for Self-Employed Non-Professionals)
To know more, refer Home Loan Guwahati
Address of IDBI Bank Branches in Guwahati
The complete address, IFSC Code, MICR Code and customer care details of IDBI Bank branches located in Guwahati is mentioned in the table below:
Branch Name | Address | IFSC Code | MICR | Contact Details | |||
---|---|---|---|---|---|---|---|
The Gauhati Co Operative Urban Bank Ltd | Baidyanath Bhawan, Kc Road, Chatribari, Guwahati - 781001 | IBKL0115GCU | 781113002 | 0361-2544055 | |||
Guwahati (Pan Bazar) | SHOP NO.3 TO 7, Royal Heritage Building, Opp.to Basant Bahar Theater, Assembly Road, | IBKL0000115 | 781259002 | 0231-2680681/2/3 | |||
Guwahati - Main Branch | Panampilly Nagar, Post Bag NO.4253 | IBKL0000136 | 781259003 | (0484)2322157 | |||
RAC - Guwahati | IDBI Bank , IDBI Building, Rac 4th Floor, G.s Road, Guwahati - 781005 | IBKL0000844 | NON-MICR | ||||
Six Mile | IDBI Bank, 1st Floor, Vip Building, Vip Road, Six Mile, Guwahati - 781022 | IBKL0001123 | 781259004 | ||||
Chandmari | IDBI Bank, 1st Floor, H/no 216, M.r.d.road, Chandmari, Guwahati - 781021 | IBKL0001207 | 781259005 | 9435346959 | |||
Central Clearing Unit, Guwahati | IDBI Bank Building, 6th Floor, Nr. Abc Bus Stop, G. S. Road, Guwahati - 781005 | IBKL0000951 | 781259001 | 9085091088, 09706077351 | |||
Beltola Branch | 1ST Floor, 26-kanishka, Dr.b.n Saikia Road, Wireless, Dispur, Guwahati, Assam, PIN:781006 | IBKL0001329 | 781259006 | 0361-2220853/0361-2220854 | |||
THE Industrial Co Op Bank Ltd | S.S.Road, Lakhtokia, Guwahati 781001 | IBKL0115ICB | 781114002 | 2541616 |