SBI Home Loan Kolkata – Interest Rates 2024, Eligibility, Apply Online
Apply for SBI Home Loans in Kolkata: ✔ Low EMI ✔ Interest Rates ✔ Eligibility, Documents, Loan amount. Check and Compare Home Loan Eligibility for sbi home loan interest rates in Kolkata.
Highlight’s on SBI Home Loan Kolkata
| Interest Rates | 8.50% – 10.15% |
| Processing Fee | sbi home loan fees |
| Repayment | Upto 30 Years |
| Loan Amount | Upto 80% of Property |
| Foreclosure Charges | Nil |
| Monthly Income | Rs.12000 minimum |
| Lowest EMI per 1 Lakh | Rs.769 |
Major Home Loan Tools available in Kolkata
अधिक जानकारी – एसबीआई होम लोन की ब्याज दरें & SBI Home Loan.
Eligibility required for State bank housing loan in Kolkata
✓ Minimum age: 18 years as on the date of sanction
✓ Maximum age: 70 years. i.e. the age by which the housing loan should be fully repaid, subject to availability of sufficient, regular and continuous source of income for servicing the loan repayment.
✓ Minimum Income Should be Rs.10000 Per Month.
Loan Amount & factors:
Actual loan amount will be determined taking into consideration such factors as applicant’s income and repaying capacity, age, assets and liabilities, cost of the proposed house/flat etc. To enhance loan eligibility you have option to add:
✓ Income of your spouse/ your son/ daughter living with you, provided they have a steady income and his/ her salary account is maintained with SBI.
✓ Expected rent accruals (less taxes, cess, etc.) if the house/ flat being purchased is proposed to be rented out.
✓ Depreciation, subject to some conditions.
✓ Regular income from all sources.
How Much Loan amount you can get from the bank against the total value of Property:
| Individual Home Loan Amount | Margin (Min) | LTV Ratio (%) |
| Upto Rs. 20 Lacs | 10% | 90% |
| Above Rs. 20 Lacs. and upto Rs. 75 lacs | 20% | 80% |
| Above Rs. 75 lacs | 25% | 75% |
Repayment period: Maximum 30 years (or) Up to the age of 70 years (the age by which the loan should be fully repaid) of the borrower, whichever is early.
Moratorium period (Repayment holiday): The moratorium period is included within the maximum repayment period.
Documents Required for SBI Home loans in Kolkata:
| Salaried | Self Employed | |
|
Documentation |
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 4) Business profile, 5) Last 3 years profit/loss & balance sheet 6) Last 6 months bank statements 7) Processing fee cheque |
State Bank of India Home Loan Branches in Kolkata:
| Branch | Branch Code | Address | Contact |
|---|---|---|---|
| PANKHOO SAB | 008768 | PANKHOO, TEHSIL: DIDIHAT PITHORAGARH
City: PITHORAGARH |
05964-217268 |
| KANNUR TOWN, KANNUR | 008601 | ELLIKA PLAZA, RAJIV GANDHI ROAD , KANNUR, KANNUR PIN – 670001
City: KANNUR |
0497-2707452 2707520 (FAX) IP:951486 |
| MICR CHEQUE PROCESSING CENTRE | 004269 | JEEVAN SUDHA, 42C J.L.NEHRU ROAD , DIST KOLKATA STATE WEST BENGAL PIN 700071
City: KOLKATA |
IP: 502316; TEL: 033-22830006, 22830008 |
| SERVICE BRANCH , KOLKATA | 008554 | JEEVAN DEEP, 6 AND 7TH FLOOR, 1 MIDDLETON STREET, DISTT KOLKATA, W B 700001
City: KOLKATA |
TEL: 033-22811071 |
| ALIPORE | 000004 | 24 BY 1 BY 1 ALIPORE ROAD T KOLKATA W BENGAL 700027
City: KOLKATA |
033-24798631 IP:500561 |
| AMHERST STREET | 001800 | 1B, MAHENDRA SRIMANI, KOLKATA, WEST BENGAL
City: KOLKATA |
IP-502221 |
