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| Eligibility and Fee Structure |
| Eligibility Criteria ( Annual Income) |
| Age Criteria |
| Loan Amount |
| Tenure |
| Loan to Value Ratio |
| Current Experience |
| Processing Fees |
| Prepayment Charges |
| Documents Required |
| Eligibility Criteria | ||
| Banks | Salaried | Self- Employed |
| CITIBANK | 1,00,000 p.a | 85,000 p.a. |
| ICICI | 1,44,000 p.a | 1,50,000 p.a |
| HDFC | 1,20,000p.a | 1,50,000 p.a |
| IDBI | 1,44,000 p.a. | 1,50,000 p.a. |
| LIC HOUSING FINANCE | 1,80,000 p.a. | 2,00 ,000 p.a. |
| SBI | 1,20,000 p.a. | 2,00,000 p.a |
| Kotak | 1,44,000 p.a | 1,44,000 p.a |
| ING VYSYA | 1,20,000 p.a | 1,50,000 p.a |
| DHFL | 1,44,000 p.a | 1,50,000 p.a |
| STANDARD CHARTERED | 1,80,000 p.a | 2,50,000 p.a |
| Age Criteria (in Years) | ||
| Banks | Salaried | Self- Employed |
| CITIBANK | 23 to 65 | - |
| ICICI | 21 to 65 | 21 to 65 |
| HDFC | 21 to 58 | 21 to 65 |
| IDBI | 21 to 60 | 21 to 65 |
| LIC HOUSING FINANCE | 18 to 60 | 18 to 60 |
| SBI | 21 to 60 | 21 to 70 |
| ING VYSYA | 23 to 58 | 25 to 65 |
| Kotak | 21 to 60 | 21 to 65 |
| STANDARD CHARTERED | 21 to 60 | 21 to 60 |
| Loan Amount | ||
| Banks | Salaried | Self- Employed |
| CITIBANK | 2,00,000 - 2,00,00000 | 2,00,000 - 2,00,00000 |
| ICICI | 2,00,000 - 1,00,00000 | 2,00,000 - 2,00,00000 |
| HDFC | 2,00,000 - 1,00,00000 | 2,00,000 - 2,00,00000 |
| IDBI | 2,00,000 - 1,00,00000 | 2,00,000 - 2,00,00000 |
| LIC HOUSING FINANCE | 5,00,000 - 1,00,00000 | 5,00,000 - 2,00,00000 |
| SBI | 5,00,000 - 1,00,00000 | 5,00,000 - 2,00,00000 |
| ING VYSYA | 5,00,000 - 3,00,00000 | 5,00,000 - 3,00,00000 |
| Kotak | 2,00,000 - 1,00,00000 | 2,00,000 - 1,00,00000 |
| STANDARD CHARTERED | 5,00,000 - 1,00,00000 | 5,00,000 - 1,00,00000 |
| Tenure (in Years) | ||
| Banks | Salaried | Self- Employed |
| CITIBANK | 5-25 | 5-20 |
| ICICI | 5-20 | 5-20 |
| HDFC | 5-20 | 5-20 |
| IDBI | 5-20 | 5-20 |
| LIC HOUSING FINANCE | 5-20 | 5-15 |
| SBI | 5-20 | 5-20 |
| ING VYSYA | 5-20 | 5-20 |
| Kotak | 5-25 | 5-25 |
| DHFL | 5-20 | 5-20 |
| STANDARD CHARTERED | 5-20 | 5-20 |
| Loan to Value Ratio | ||
| Banks | Salaried | Self- Employed |
| CITIBANK | 85% of Agreement value | 85% of Agreement value |
| ICICI | 85% of Agreement value | 85% of Agreement value |
| HDFC | 85% of Agreement value | 85% of Agreement value |
| IDBI | 88% of Agreement value | 88% of Agreement value |
| LIC HOUSING FINANCE | 85% of Agreement value | 85% of Agreement value |
| SBI | 80% of Agreement value | - |
| ING VYSYA | 85% of Agreement value | - |
| Kotak | 85% of Agreement value | 85% of Agreement Value |
| DHFL | 85% of Agreement value | 85% of Agreement Value |
| STANDARD CHARTERED | 85% of Agreement Value | 85% of Agreement Value |
| Current Experience | ||
| Banks | Salaried | Self- Employed |
| CITIBANK | 2 year | 3 year |
| ICICI | 1 year | 3 year |
| HDFC | 3 year | 3 year |
| LIC HOUSING FINANCE | 2 year | 3 year |
| SBI | 2 year | 3 year |
| Kotak | 2 year | 3 year |
| ING VYSYA | 3 year | 3 year |
| DHFL | 2 year | - |
| STANDARD CHARTERED | 2 year | 2 year |
| Processing Fees | |
| Banks | Fees |
| LIC HFL | 1% |
| ICICI HFC | 0.50% |
| HDFC | Rs.10000/- or 0.5% of loan amount(whichever is lesser) + Service Tax |
| IDBI | 10000 (up to 20 lacs) |
| SBI | 0.5% |
| Kotak Mahindra | 0.5% |
| ING VYSYA | 0.5% of Loan amount + Rs.500 + Service Tax(10.30%) |
| DHFL | 1% |
| STANDARD CHARTERED | 0.25% - 0.5% |
| Axis bank | 0.5% |
| PNB | 0.5% |
| Dena Bank | 0.5% |
| Fedral Bank | 0.5% |
| Barclays Bank | 0.25% |
| Deutsche Post | 0.5% of Loan amount + Rs.500 + Service Tax(10.30%) |
| Union Bank | 0.50% |
| Prepayment Charges | |
| Banks | Fees |
| CITIBANK | - |
| ICICI HFC | 2%(Full payment), No Penalty (Part Payment) |
| HDFC | If 25% of outstanding amount is paid every year till 3 years - No penalty, otherwise 2% of outstanding amount |
| IDBI | - |
| LIC HFL | 2% |
| SBI | 2% |
| Kotak Mahindra | 2% |
| ING VYSYA | 2% - 4% |
| DHFL | 5%(upto 5 years),2%(above 5 years),If balance transfer 5% |
| Axis bank | - |
| PNB | 2.50% |
| Dena Bank | 2% |
| Fedral Bank | 2% |
| Barclays Bank | 2% |
| Deutsche Post | 2%-4% |
| Union Bank | 2% |
| STANDARD CHARTERED | 2% |
| Documents Required | ||
| Banks | Salaried | Self-Employed |
| CITIBANK | 1) Application form with photograph, 2) Identity & residence proof, 3) Latest salary slip, 4) Form 16, 5) Last 6 months bank statements, 6) Processing fee cheque |
1) Application form with photograph, 2) Identity & residence proof, 3) Education qualifications certificate & proof of business existence, 4) Business profile, 5) Last 3 years profit/loss & balance sheet, 6) Last 6 months bank statements, 7) Processing fee cheque |
| ICICI | 1) Application form with photograph, 2) Identity & residence proof, 3) Age Proof 4) Latest 3 months salary slip, 5) Form 16, 6) If current service is less than 2 years than previous company relieving letter, 7) Last 6 months bank statements, 8) Processing fee cheque |
1) Application form with photograph, 2) Identity & residence proof, 3) Education qualifications certificate & proof of business existence, 4) Business profile, Last 3 years profit/loss & balance sheet, 5) Last 6 months bank statements, Processing fee cheque |
| HDFC | 1) Application form with photograph, 2) Identity & residence proof, 3) Latest salary slip, 4) Form 16, 5) Last 6 months bank statements, 6) Processing fee cheque |
1) Application form with photograph, 2) Identity & residence proof, 3) Education qualifications certificate & proof of business existence, 4) Business profile, Last 3 years profit/loss & balance sheet, 5) Last 6 months bank statements, 6) Processing fee cheque |
| IDBI | 1) Application form with photograph, 2) Identity & residence proof, 3) Latest salary slip, 4) Form 16, 5) Last 6 months bank statements, 6) Processing fee cheque |
1) Application form with photograph, 2) Identity & residence proof, 3) Education qualifications certificate & proof of business existence, 4) Business profile, Last 3 years profit/loss & balance sheet, 5) Last 6 months bank statements, 6) Processing fee cheque |
| LIC HOUSING FINANCE | 1) Application form with photograph, 2) Identity & residence proof, 3) Latest 3 months salary slip, 4) Form 16, 5) Last 6 months salaried bank statements, 6) Processing fee cheque |
1) Application form with photograph, 2) Identity & residence proof, Education qualifications certificate & proof of business existence, 4) Business profile, Last 3 years profit/loss & balance sheet, 5) Last 6 months bank statements, 6) Processing fee cheque |
| SBI | 1) Application form with photograph, 2) Identity & residence proof, 3) Last 3 months salary slip, 4) Form 16, 5) Last 6 months bank salaried credit statements , 6) Processing fee cheque |
1) Application form with photograph, 2) Identity & residence proof, 3) Education qualifications certificate & proof of business existence, 40Business profile, 5) Last 3 years profit/loss & balance sheet, 6) Last 6 months bank statements, 7) Processing fee cheque |
| ING VYSYA | 1) Complete application form, 2) processing fees cheque, 3) Identification Proof, 4) Residential proof, 5) Signatures Proof, Last 3 months salary slip, 6) Form 16 ,Last 3 months bank statement |
1) Complete application form, 2) Identification Proof, 3) Residence Proof, 4) Last 3 year ITR, 5) Last 6 months bank statement , 6) as Processing fees cheque |
| Kotak | Complete application form, Address Proof, Age Proof, Income Proof, last 6 months bank statement, last 3 months salary slip | - |
| DHFL | 1) Complete Application Form, 2) Residence Proof, Identification Proof, 3) Income Proof, Last 3 months Salary slip or Salary Certificate, If Salary is above 10000 per month than Latest Form 16 4) Last 6 month bank statement |
Residence Proof, Identification Proof, Business Proof: 1) Brief Business Profile on the letter head 2) Copy of Shop & Establishment License / VAT Registration or any other mandatory license / registration 3) Copy of Partnership deed Details of Contract, 4) Copy of last 3 years Income Tax Returns, 5) Copy of last 3 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant, 6) Bank Statement for the last 1 year for the Savings A/c & Current A/c 7) Form 16 /Tax deduction certificate 8) Copy of Advance Tax paid / self assessment tax paid Challan |
| STANDARD CHARTERED | 1) Application form with photograph, 2) Identity & residence proof, 3) Last 3 months salary slip, 4) Form 16, 5) Last 6 months bank salaried credit statements , 6) Processing fee cheque |
1) Application form with photograph, 2) Identity & residence proof, 3) Education qualifications certificate & proof of business existence, 40Business profile, 5) Last 3 years profit/loss & balance sheet, 6) Last 6 months bank statements, 7) Processing fee cheque |
