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.

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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

Banks	up to 30 lacs	30-75 lacs	75 & above	Processing fees
HDFC	12.75%	13.50%	13.50%	1% of the loan amount
Fullerton	15.5%	15.5%	15.5%	1% of the loan amount
Ing vysya	13% fixed for 3 years	13% fixed for 3 years	13% fixed for 3 years	1% + service tax
Axis Bank	13% - 14%	13% - 14%	13% - 14%	1% of the loan amount
India Bulls	13.50%	13.50%	13.50%	1% + service tax
ICICI Bank	13.25%	13.25%	13.25%	0.5% - 1%