Central Bank Home Finance Limited – JKD Homeloan

I N S U R E N

Central Bank Home Finance Limited

Borrower Category	Income Based	Income Estimation	Local LTV	Post Pension Programme	Low Income Group Programme
Salaried	Base rate 9.65% + Spread 0.30% ,Effective Rol-9.95%	NA	Base rate 9.65% + Spread 0.50% ,Effective Rol-10.15%	Base rate 9.65% + Spread 1% ,Effective Rol-10.65%	Base rate 9.65% + Spread 1.50% ,Effective Rol-11.15%
Self-employed(SEP/SENP)	Base rate 9.65% + Spread 0.45% ,Effective Rol-10.10%	Base rate 9.65% + Spread 0.50% ,Effective Rol-10.15%	Base rate 9.65% + Spread 0.70% ,Effective Rol-10.35%	NA	Base rate 9.65% + Spread 1.50% ,Effective Rol-11.15%
Non-Individual Loan Upto Rs.30 Lakh		Base rate 9.65% + Spread 1.50% ,Effective Rol-11.15%
Non-Individual Loan above Rs.30 Lakh		Base rate 9.65% + Spread 2% ,Effective Rol-11.65%

Income Based Program

Purpose	Eligibility	Loan Quantum	Repayment	Margin	Security
For Purchase/Construction/Improvement/Extension/Take over/Residential Plot purchase/Plot purchase plus Construction/Top-up-housing	Individuals who are Salaried/Professionals/Self employed non-professional/NRI who has adequate repayment capacity supported by proof i.e Salary slip/Form 16/and Income tax returns.	Min : Rs2 lakh, Max : No Ceiling	Upto 30 Years (Subject to Maximum age of 65 years or Retirement age, whichever is earlier for Salaried and for Self Employed maximum age is 70 years at the time of loan maturity	Loan upto Rs.30 Lakh -10%,from Rs30. Lakh to 75 Lakh -20% ,above Rs.75 Lakh -25%	Mortage of the property being financed

Low LTV Programme

Purpose	Eligibility	Loan Quantum	Repayment	Margin	Security	Special Features
For Purchase/Construction/Improvement/Extension/Take over/Residential Plot purchase/Plot purchase plus Construction/Top-up-housing	Individuals who are Salaried/Professionals/Self employed non-professional/NRI who has adequate repayment capacity supported by proof i.e Salary slip/Form 16/and Income tax returns.	Min : Rs2 lakh, Max : Rs200 Lakh	Upto 30 Years (Subject to Maximum age of 65 years or Retirement age, whichever is earlier for Salaried and for Self Employed maximum age is 70 years at the time of loan maturity	Flat 60%	Mortage of the property being financed	Programmefor borrower who have invested more in property and require lesser loan amount, Considering 15% additional DBR/IIR which results in higher laon eligibility,Maximum Loan to value-40%

Post Pension Programme

Purpose	Eligibility	Loan Quantum	Repayment	Margin	Security	Special Features
For Purchase/Construction/Improvement/Extension/Take over/Residential Plot purchase/Plot purchase plus Construction/Top-up-housing	Applicable for persons working in govt. /PSU or similar organizations who are entitled for monthly pension income i.e Pensioners or Persons on the verge of retirement.	Min : Rs2 lakh, Max : Rs200 Lakh	Maximum age at the time of loan maturity can be upto 80 Years	Loan upto Rs.30 Lakh -10%,from Rs30. Lakh to 75 Lakh -20% ,above Rs.75 Lakh -25%	Mortage of the property being financed	Flexible/Graded repayment schedule,Future lump sum repayment can be considered for loan computation,Persons on the verge of retirement.