Oriental Bank of Commerce home loan | Interest Rates | Eligibility | Documents

Oriental Bank of Commerce home loan – Get instant quotes on Interest Rates, Eligibility, Documents and Processing Fees of OBC Housing loans in India for Free. Calculate emi and Eligibility with Calculator online.

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The Oriental Bank of Commerce offers financial assistance for/to:

  • Purchase of land and construction of a house thereon.
  • Construction of house, where in the plot/land already owned by the applicant.
  • To buy built up (new or second hand) / semi built up house or flat
  • To Extend/improve/repair, the existing house or flat.
  • To buy a flat under construction or proposed to be constructed
  • For Home furnishing, furniture / fixtures embedded to structure or otherwise
  • To take over of housing loan from other Banks/other financial institutes

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Current Interest rates on Housing loan of OBC


Tenure Term

Interest Rate

Loan Up to 75 lacs

10.25%

Above 75 lac to 3 Cr.

10.25%

Above 3 Crore

10.25%

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For Calculate Housing loan EMI’s and Eligibility Online Click Here


Eligibility of Oriental Bank of Commerce home loan

Individuals or group of specified individuals (co-borrowers) including HUF having an assured source of regular income viz. salaried / self-employed persons, professionals, businessmen, farmers etc.

Further,

1) The staff members of the Bank are also eligible subject to compliance of terms & conditions of Staff Housing Loan Scheme.

2) The NRI may also avail a housing loan in India subject to compliance of specific terms at par with those applicable to a person resident in India.

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PROCESSING FEE/ DOCUMENTATION CHARGES

Loan limit Process fee / Documentation Charges
Irrespective of any limit NIL( till 31-Dec-2014)
Documentation charges -NIL

Note: The Advocate charges, Valuer fee and insurance charges shall be borne by the applicant on actual basis.

List of Documents/ Information to be provided by the applicant along with Loan Application Form.

(These documents are indicative, relevant documents be obtained on case to case basis)

Loan application Form-cum-process note LF-2/Passport size photograph of applicant and co-applicant, ID Proof i.e. copy of valid passport / driving license / pan card/ voter ID card /Copy of bank account statement for last 6 months, Saving account.. In case of bank take over, copy of home loan account statement for the entire period shall be obtained/Also a certificate from the lending institution giving pre-closure amount./Affidavit as per Format. Title clearance report from advocate and valuation report from architect  on Bank’s panel along with all required   Documents/papers relating to title deeds of property  be submitted
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MARGIN

Loans Upto Rs.20.00 lac 15%
Loans Above Rs.20.00 lac 25%

 

Source:Oriental Bank of Commerce Website

 

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Disclaimer: This information is sourced from Bank's Website to help customers to gain information on Banks product.
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