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Home, sweet home, built out of your dreams. A place where you return after a hard day's work and relax, a place where you share precious moments with your family. A place that gives you a sense of belonging. We are here to help you realize your long cherished dream of owning your home through hassle free and customer friendly home loans. Features:
• Tenor of a home loan can be up to 20 years for a resident individual whereas
for NRIs the maximum tenure is 10 years subject to maximum age of 60 years
at maturity.
• Loan can be applied for a maximum of 90% of the property value subject
to credit discretion.
• Security for the loan is a first mortgage of the property to be financed,
normally by way of deposit of the title deeds or such collateral security
as may be necessary.
• Title to the property should be clear and free from encumbrance, i.e.,
without any pending legal litigation adversely affecting the ownership of
the property.
• Other parameters considered include an account of your age, income, number
of dependents, financial stability and co-applicant’s income.
Eligibility
Following are eligible to apply for an IDBI Home Loan:
• Salaried individuals
• Self employed professionals/businessmen
• NRIs
You can include your spouse/parents/children as co-applicant if you require
higher eligibility subject to maximum of three applicants.
Home Loan Interest Rates
Floating Rate |
Fixed Rate |
| Loan Tenor- 1-20 years | Loan Tenor: 1-20 years |
| Rates : 10.5 % (Cat A) | Rates- Fixed for 3 Yrs: 13 % Fixed for 5 Yrs: 13.25 % |
Know the Rate of interest charged by major banks for Home Loan.
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