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Home Loan Sbi-kolkata

Get instant lowest quote on Best Home loans in Sbi-kolkata
Professional Details
Loan Amount:
Occupation:
City:
Annual Income:
Current Home Loan Interest Rates in Sbi-kolkata
Banks
Rate of Interest
Processing Fee
Prepayment Charges
State Bank Of India (SBI)
10.10% - 10.15%
Up to 25 lacs : 0.25% of loan amount minimum Rs.1000/-
25-75 lacs : Rs.3,250/-
75 & above : 5,000/-
Nil
ICICI Bank
10.10% - 11.25%
0.50% of loan amount upto 1 crore
N.A
HDFC Ltd
10.15% - 10.50%
0.5% or maximum 10,000+service tax (12.36%)
No prepayment charges shall be payable for partial or full prepayments irrespective of the source
AXIS Bank
10.25% - 10.50%
Upto 1% of the loan amount subject to minimum of Rs.10,000/-
Nil

Eligibility Criteria

Eligibility Criteria for Home Loan in Sbi-kolkata
The borrower's eligibility of getting a housing loan depend upon his/her repayment capacity & the banks establish this repayment capacity by considering various factors such income, spouse's income, age, assets etc.
close
The borrower's eligibility of getting a housing loan depend upon his/her repayment capacity & the banks establish this repayment capacity by considering various factors such income, spouse's income, age, number of dependants qualifications , assets, liabilities, stability and continuity of occupation and savings history. Calculate your Eligibility for Home loan
Your Home Loan eligibility is determined by your repayment capacity, taking into consideration, factors such as: Your:
• Income
• Qualifications
• Age
• Spouse's income
• No. of dependants
• Stability and continuity of occupation
• Assets/LiabilitiesM.
• Savings history.
The most important concern of banks in determining your loan eligibility is that whether or not you are contentedly able to pay off the amount you borrow.

List of Home Loans Banks

State Bank of India(SBI)
HDFC Ltd
LIC Housing Finance
ICICI Bank
Axis Bank
close
State Bank of India(SBI) HDFC Ltd LIC Housing Finance ICICI Bank Axis Bank
Fedbank PNB Housing ING Vysya Kotak Bank DHFL
Bank of Baroda Bank of India Union Bank of India United Bank of India Punjab National Bank
Standard Chartered IndusInd Bank IDBI Housing Finance Andhra Bank Citibank
Canara Bank Indian Bank Vijaya Bank Corporation Bank IDBI Bank

Documents required
for Home Loan

Documents required for Home
Loan in Sbi-kolkata
Generally the documents required to processing your loan application are almost similar across all the banks; however they may differ with various banks
close
Generally the documents required to processing your loan application are almost similar across all the banks; however they may differ with various banks depending upon specific requirement etc. Following documents are required by financial institutions to process the loan application:
· Age Proof
· Address Proof
· Income Proof of the applicant & co-applicant
· Last 6 months bank A/C statement
· Passport size photograph of the applicant & co-applicant
Salaried Self Employed
· Employment certificate from the employer,
· Copies of pay slips for last few months and TDS certificate
· Latest Form 16 issued by employer Bank statements
· Copy of audited financial statements for the last 2 years
· Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if it is a company
· Profit and loss account for the last few years
· Income tax assessment order

Eligibility Criteria

Eligibility Criteria for Home Loan in Sbi-kolkata
The borrower's eligibility of getting a housing loan depend upon his/her repayment capacity & the banks establish this repayment capacity by considering various factors such income, spouse's income, age, assets etc.
close
The borrower's eligibility of getting a housing loan depend upon his/her repayment capacity & the banks establish this repayment capacity by considering various factors such income, spouse's income, age, number of dependants qualifications , assets, liabilities, stability and continuity of occupation and savings history. Calculate your Eligibility for Home loan
Your Home Loan eligibility is determined by your repayment capacity, taking into consideration, factors such as: Your:
• Income
• Qualifications
• Age
• Spouse's income
• No. of dependants
• Stability and continuity of occupation
• Assets/LiabilitiesM.
• Savings history.
The most important concern of banks in determining your loan eligibility is that whether or not you are contentedly able to pay off the amount you borrow.

Main Branches of SBI in Kolkata from where you can get Home Loans:-

Bank Branch Branch Code Address
State Bank Of India (SBI) PANKHOO SAB 008768 PANKHOO, TEHSIL: DIDIHAT PITHORAGARH City: PITHORAGARH District: KOLKATA State: WEST BENGAL
State Bank Of India (SBI) KANNUR TOWN, KANNUR 008601 ELLIKA PLAZA, RAJIV GANDHI ROAD , KANNUR, KANNUR PIN - 670001 City: KANNUR District: KOLKATA State: WEST BENGAL
State Bank Of India (SBI) MICR CHEQUE PROCESSING CENTRE 004269 JEEVAN SUDHA, 42C J.L.NEHRU ROAD , DIST KOLKATA STATE WEST BENGAL PIN 700071 City: KOLKATA District: KOLKATA State: WEST BENGAL
 

Features of SBI Home Loans:-

  • Package of exclusive benefits.
  • Low interest rates.
  • Low processing charges.
  • No hidden costs or administrative charges.
  • No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan.
  • Over 13,700 branches nationwide, you can get your Home Loan account parked at a branch nearest to your present or proposed residence.

Eligibility:

  • Minimum age: 18 years as on the date of sanction
  • Maximum age: 70 years. i.e. the age by which the loan should be fully repaid, subject to availability of sufficient, regular and continuous source of income for servicing the loan repayment.

List of papers/ documents applicable to all applicants:

  • Completed loan application
  • 3 Passport size photographs
  • Proof of identify (photo copies of Voters ID card/ Passport/ Driving licence/ IT PAN card)
  • Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID card)
  • Proof of business address for non-salaried individuals
  • Statement of Bank Account/ Pass Book for last six months
  • Signature identification from present bankers
  • Personal Assets and Liabilities statement

For guarantor (wherever applicable):

  • Personal Assets and Liabilities Statement
  • 2 passport size photographs
  • Proof of identification as above
  • Proof of residence as above
  • Proof of business address as above
  • Signature identification from his/her present bankers

Additional documents required for salaried persons :

  • Original Salary Certificate from employer
  • TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Deptt.

Additional documents required for Professionals/self- employed/ other IT assesses:

  • Acknowledged copies of three years I.T. returns/ Assessment Orders.
  • Photocopies of challans evidencing payment of Advance Income Tax.

Source: SBI Website

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