ICICI Home loans Kochi | Interest Rates | Eligibility | EMI

Find best interest rates on ICICI bank home loans in Cochin. 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.

Home Loan applications received for rupees ₹ 419,027 crores till 05 December 2020

Compare & Get Instant Home Loan Quotes Online & Check your CIBIL score absolutely FREE.

Loan Amount
Occupation

Annual Income

City

120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

ICICI Bank Home Loan Details

Interest Rate 8.25% – 8.70%
Processing Fees 0.5% of loan amount + applicable service tax
Loan Tenure 3 year to 30 years
Partial pre-payment Charges Nil
Pre-closure Charges Nil
Guarantor Requirement No Guarantor Required

ICICI Bank Home Loan

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

  • 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 2022 scheme, 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

  • SBI Home Loan
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  • PNB Housing finance
  • LIC Housing Finance
  • PNB Home Loan
Advantages
Wide range of product to choose from Flexible repayment options
Guidance throughout the process making home buying hassle free With a network of 2500 branches we are always close to you
Doorstep service at your comfort Simplified documentation
Over 246 Bank Branches pan India for servicing of your loans Free Personal Accident Insurance
Sanction approval without having selected a property. Insurance options for your home loan at attractive premium

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 Cochin:

Every customer’s eligibility is different. Access your eligibility with our simple calculator. To know more click here.

Documents required for the Sanctioning of Home Loan – Cochin:

Getting a home loan from ICICI Bank is easy and quick. Proof of your identity, address and income are some of the key documents that are required to be submitted for ICICI Bank home loan Cochin.

Documents Salaried Self Employed Professional Self Employed Non Professional
Application form with photograph duly signed Yes Yes Yes
Identity, residence and age proof Yes Yes Yes
Last 6 months bank statements Yes Yes Yes
Last 3 months Salary-slips Yes
Processing fee cheque Yes Yes Yes
Form 16 / Income Tax Returns Yes
Proof of business existence Yes
Business profile Yes
Education qualification certificate and proof of business existence Yes
Last 3 years Income Tax Returns with computation of Income Yes Yes
Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account Yes Yes

Branches of ICICI Bank In Cochin:

Bank Branch Branch Code Address Contact
ICICI Bank ERNAKULAM (COCHIN) 000010 EMGEE SQUARE, M.G.ROAD, ERNAKULAM, KOCHI. 682035

City: KOCHI
District: ERNAKULAM
State: KERALA

PHONE – 022 – 67574314 / 4322
ICICI Bank KAKKANAD 000919 ICICI BANK LTD, COCHIN PORTALS, X 110 C, SEAPORT – AIRPORT ROAD, KAKKANAD, KOCHI. 682037

City: KAKKANAD
District: ERNAKULAM
State: KERALA

SHINOJ K., , 9846599944
ICICI Bank KOCHI – KADAVANTARA 000277 ADONAI TOWERS, S.A ROAD, KADAVANTHARA PO, KOCHI – 682016 682016

City: KOCHI
District: ERNAKULAM
State: KERALA

PHONE – 022 – 67574314 / 4322
ICICI Bank KOCHI 001029 ICICI BANK LTD., MOIDUS BUILDING, S.N JUNCTION, PALARIVATTOM, KOCHI – 682037, KERALA

City: KOCHI
District: ERNAKULAM
State: KERALA

ICICI Bank EDAPALLY – ERNAKULAM 006264 B M COMPLEX, EDAPPALLY, KOCHI 682024

City: KOCHI
District: ERNAKULAM
State: KERALA

PHONE – 022 – 67574314 / 4322
ICICI Bank THOPPUMPADY, KOCHI 001691 ICICI BANK LTD., AMBAL BUILDING, NEAR GAMMON BRIDGE, THOPPUMPADY, KOCHI – 682006, ERNAKULAM DIST., KERALA.

City: KOCHI
District: ERNAKULAM
State: KERALA

RAKESH M 0484 4073481/82/84/85
ICICI Bank KOCHI – WELLINGTON ISLAND KERELA 001164 ICICI BANK LTD, OLD DLB BUILDING, WILLINGDON ISLAND, KOCHI – 682 009.KERALA

City: KOCHI
District: ERNAKULAM
State: KERALA

MR.SREEKANTHA.B.H 09482161318, MR.SUNDARESH.S.PAI 9895441177
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