SBI Home Loan Kolkata – Interest Rates 2023, 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.

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Highlight’s on SBI Home Loan Kolkata

Interest Rates 8.70% – 9.90%
Processing Fee Check here
Repayment Upto 30 Years
Loan Amount Upto 80% of Property
Foreclosure Charges Nil
Monthly Income Rs.12000 minimum
Lowest EMI per 1 Lakh Rs.787

Major Home Loan Tools available in Kolkata

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  • 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
    District: KOLKATA
    State: WEST BENGAL

    05964-217268
    KANNUR TOWN, KANNUR 008601 ELLIKA PLAZA, RAJIV GANDHI ROAD , KANNUR, KANNUR PIN – 670001

    City: KANNUR
    District: KOLKATA
    State: WEST BENGAL

    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
    District: KOLKATA
    State: WEST BENGAL

    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
    District: KOLKATA
    State: WEST BENGAL

    TEL: 033-22811071
    ALIPORE 000004 24 BY 1 BY 1 ALIPORE ROAD T KOLKATA W BENGAL 700027

    City: KOLKATA
    District: KOLKATA
    State: WEST BENGAL

    033-24798631 IP:500561
    AMHERST STREET 001800 1B, MAHENDRA SRIMANI, KOLKATA, WEST BENGAL

    City: KOLKATA
    District: KOLKATA
    State: WEST BENGAL

    IP-502221
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    Top Banks for Home Loans in India
    Banks Interest Rates
    SBI 8.70% - 9.40%
    HDFC Ltd 8.65% - 9.85%
    ICICI Bank 8.75% - 9.80%
    LIC Housing Finance8.65% - 10.25%
    PNB Housing 8.50% - 10.35%
    Axis Bank 8.60% - 9.05%
    Bank of Baroda 8.45% - 9.80%
    Canara Bank 8.60% - 10.80%
    Aadhar Home loan N.A