ICICI Home loans Kochi – Interest Rates, EMI, Branch

Find best interest rates on ICICI bank home loans in Kochi. Get instant quotes on EMI, Documents, Eligibility, Processing charges & other charges online. Building your own home is special. As one of the leading home loan providers, ICICI Bank Home Loans is here to help you lay the foundation for your dream home.

With the experience of sharing the dream of millions of our customers, we offer you the most convenient housing loan plans to suit your needs.

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ICICI Home Loan Interest Rates Feb 2024

Interest Rates 9.00% - 10.05%
Processing Fees 2999+GST for CIBIL Score above 700, .50% + GST for Score below 700
Pre payment Charges Nil
Loan Amount upto 90% of market value
Lowest EMI Rs.805 per lakh
Min. Income Rs.18000/- p.m
Loan Repayment 1 to 30 years
Special Rates - Home Loan, Balance Transfer, Top on Balance Transfer
Salaried**
Upto 35 Lakh 9.25% - 9.65%
> 35 Lakh <=75 Lakh 9.50% - 9.80%
>75 Lakh 9.60% - 9.90%
Self-Employed**
Upto 35 Lakh 9.40% - 9.80%
> 35 Lakh <=75 Lakh 9.65% - 9.95%
>75 Lakh 9.75% - 10.05%
The processing fee is 0.50% of the loan amount, plus applicable taxes Valid till 28 February, 2023

ICICI Bank Home Loan in Kochi

Home loans by ICICI come with higher eligibility and lower EMIs at attractive home loan interest rates. Apply now for an ICICI Bank home loan and fulfill the dream of owning your dream home.

ICICI Home Loan Eligibility Criteria Kochi

  • Applicants must be at least 21 years old when the loan is sanctioned.
  • The entire loan must be repaid at or before the age of 65 years.
  • Applicant must be self-employed or salaried with a regular income source.
  • The co-applicant’s age must be at least 18 years.

Pradhan Mantri Awas Yojana By ICICI Bank

Under the housing for all by scheme (Pradhan Mantri Awas Yojana), interest subsidy can be availed by the customers belonging to MIG (Middle Income Group), LIG (Lower Income Group) and EWS (Economically Weaker Section) for improvement, extension, construction and purchase of houses.

Features of PMAY Schemes:

  • In case of MIG categories, the beneficiary family’s Aadhaar numbers are mandatory.
  • The interest subsidy benefit can be availed on the outstanding principal.
  • The subsidy can be availed for maximum tenure of 20 years or the tenure availed by the customer, whichever is lower.
  • No cap is there on the property’s cost or the amount of loan.
  • The NPV or Net Present Value of the subsidy is calculated at a discounted rate of 9%.
  • Any additional loan above the specified cap, will come with a non-subsidized rate.

Home Loan By Top Banks in Kochi

  • SBI Home Loan
  • HDFC Ltd Home Loan
  • Axis Bank Home Loan
  • PNB Housing finance
  • LIC Housing Finance
  • PNB Home Loan

Home Loan Amount:

The home loan amount depends on your repayment capability and is restricted to maximum of 80% (90% in certain scenarios) of the value of property as applicable for home loan upto Rs. 7.5 million and maximum of 75% of the value of property as applicable for home loan above Rs. 7.5 million.

Tenor/Repayment period:

Maximum tenure of your home loan can be 20 years. However, in case of salaried customers it is capped at retirement age.

Eligibility Required for Home Loan in Kochi:

Every customer’s eligibility is different. Access your eligibility with our simple calculator. To know more Home Loan Eligibility.

Branches of ICICI Bank In Kochi:

Address: Emgee Square MG Road Ernakulam, Kochi, Kerala 682035
Address: Teepeyem Square, Mahatma Gandhi Rd, Opposite Shipyard, Ravipuram, Kochi, Kerala 682015
Address: Isaacs towers, Jawahar Nagar, Kadavanthra, near Bread World, Kochi, Kerala 682020
Address: Kanchenjunga Apartments, Civil Lane Road, Palarivattom, Kochi, Kerala 682025
Address: Manna, Near Avenue Centre, Panampilly Nagar, Kochi, Kerala 682036
Address: Old D L D Building, Wellington Island – Fort Kochi Ferry, Kochi, Kerala 682009
Address: Broadways Arcade, Punnakal Junction, Ground floor, Kochi, Kerala 682026
Address: C-108, First Floor, Northern Wing SCK-01 Building, Kakkanad, Kochi, Kochi, Kerala 682303
Address: Rajagiri Road, Kalamassery, Ward 3, Door 284/285, Kochi, Kerala 683104

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Top Banks for Home Loans in India
Banks Interest Rates
SBI 8.60% - 9.65%
HDFC Bank 8.50% - 9.40%
ICICI Bank 9.00% - 9.10%
LIC Housing Finance8.50% - 10.50%
PNB Housing 8.50% - 11.95%
Axis Bank 8.75% - 9.15%
Bank of Baroda 9.15% - 10.50%
Canara Bank 8.90 %- 11.25%
Aadhar Home loan N.A