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Loan Against Property Icici

Loan Against Property from ICICI Bank is the Great way to unlock the hidden value of your property. With Property loan, you can utilise full benefits from life's little surprises you may have earlier passed over due to lack of funds. This multi-purpose loan puts funds at your disposal to use as you wish. What's more, loan against property is available at a reasonable rate and can be repaid comfortably over as many as 10 years.

Apply for Best Loan Against Property in Icici
Professional Details
Loan Amount:
Occupation:
City:
Annual Income:
 
Banks up to 30 lacs 30-75 lacs 75 & above Processing fees
HDFC
12.75% 12.75% 12.75%

1%+ service Tax

Ing vysya
12% to 13% 12% to 13% 12% to 13% 1%
ICICI Bank
12.05% 12.05% 12.05% 1% + service tax
Axis Bank
13% 13% 13% 1%
India Bulls
12.50% 12.50% 12.50% 1%+service Tax
Fullerton
15.5% 15.5% 15.5% 1% of the loan amount

Service and Other Charges for ICICI Loan Against Property:-  You can choose from Adjustable, Fixed or Floating Rate Loan.

Charges

Loans Against Property

Loan Processing Charges / Renewal Charges (Non Refundable)

0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi & Bangalore), whichever is higher + applicable Service Tax & Surcharge

Prepayment Charges

No prepayment charge on floating rate home loan irrespective of the source of fund

2% of the outstanding loan amount plus applicable service tax and surcharge on fixed rate home loan and Home plus loan

4% of the outstanding loan amount plus applicable service tax and surcharge on Loan against property, Lease rental discounting and Non residential premises

For one year, two year and three year fixed rate loan the prepayment charge is 2% of the outstanding loan amount plus applicable service tax and surcharge till the time loan is under fixed rate. Once loan moves into floating rate there would be no prepayment charge irrespective of the source of fund

Charges for late payment

Home Loans : 2% per month 
Home OD : 1.5% of the outstanding amount subject to minimum of Rs. 500/- & Maximum of Rs.5000/-

Charges for changing from fixed to floating rates of interest

1.75% on principal outstanding

Charges for changing from floating to fixed rates of interest

1.75% on principal outstanding

Cheque Swap Charges

Rs. 500/-

Document Retrieval Charges

Rs. 500/-

Cheque bounce charges

Rs. 200/-

Amortisation Schedule

Rs.100 per schedule (Inclusive of S.T.)*

Statement of Account

Rs.100 per statement (Inclusive of S.T.)*

Final prepayment statement

Rs.100 per statement (Inclusive of S.T.)*

Duplicate No Objection Certificate / No Due Certificate

Rs.100 (Inclusive of S.T.)

Revalidation of No Objection Certificate

Rs.100 per NOC (Inclusive of S.T.)*

Provisional Income Tax Certificate

Nil

Final Income Tax Certficate

Nil

Interest Certificate

NA

Change of Address

Nil

Agreement Copy

Nil

No Objection Certificate / No Due Certificate

Nil

 

Note : Service Tax and other taxes, levies, etc. applicable as per prevailing rate will be charged over and above these charges

Source: ICICI Bank Website

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