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      Home Loan FAQs

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      What is a home loan?

      A home loan is essentially a financing option where funds are provided to an individual or an entity for the purchase, construction, extension, or renovation of a residential property.

      How do I apply for a home loan?

      You can apply for a home loan from ICICI Bank through our website (www.icicibank.com). Or, you could visit the branch of ICICI Bank that’s nearest to you to submit your application for a loan. To apply for a home loan, click here

      What are the documents required to apply for a home loan?

      To apply for a home loan, you need to submit documents such as a proof of identity, a proof of address, a loan application form that has been duly filled and your financial documents. To know more about this, click here.

       

      What are the parameters for arriving at Home Loan eligibility?

      We determine your eligibility after considering various factors, including your monthly income, your monthly financial obligations, your current age and your retirement age, among other things. To check if you’re eligible for our home loan, click here.

      How is the Equated Monthly Instalment (EMI) for a home loan calculated?

      The EMI is calculated on the basis of specific factors like the amount of the loan, its tenure and the rate of interest.

      To calculate the EMI for your home loan, click here.

      What do you understand by floating rate of interest in Home Loan?

      A floating rate of interest is linked to a benchmark rate. As per guidelines of RBI, floating rate Home Loans from banks are linked to external benchmark rates. ICICI Bank’s floating rate of interest is linked to Repo Rate declared by RBI from time to time. So, rate of interest of your housing loan changes in line with the Repo Rate. As a result, the EMI or the tenure of your loan will increase or decrease, depending on the change in the rate of interest.

      What is the meaning of a fixed rate of interest on a home loan?

      A fixed rate of interest on a home loan means that the rate of interest does not change throughout the tenure of the loan. So, the EMI will also remain fixed.

      Is there any tax benefit available on home loans?

      Yes, you can claim the amount paid towards the repayment of the principal and the interest components as deductions in your income tax return. The limits on the amount deductible are governed by the applicable income tax laws.

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