Sales@jkdhomeloan.in
If you have found it difficult to get a home loan in the past, you are not alone. If you find the loan application process complicated, we are here to help you at every step of the way. With the right support, getting a home loan can be a quick, easy and rewarding experience. We at ICICI HFC welcome salaried professionals working with big or small organisational set-up, be it, Proprietorship, Partnerships, LLP, Private or Public sector companies or MNCs.
Our home loan has been designed with you in mind. We offer easy eligibility norms and require very few and basic documents. You can get a home loan as we have a team of legal and technical experts at each of our 215+ ICICI HFC branches who can review your application on the spot.
Nothing should come between you and your dream of owning a home. We are here to assist you even after your loan is disbursed – be it during repayment or whenever you need any type of funding in the future.
Loans for all aspiring homeowners
Our home loan helps both salaried individuals like government employees and corporate professionals, as well as self-employed individuals like doctors, lawyers, CAs, traders and small business owners. We are committed to your dream of owning a home of your own.
Easy eligibility
Getting a home loan is quicker with ICICI HFC due to our flexible eligibility norms and basic document requirements. Even if you don’t have formal income proof documents like ITR, but have a good history of repaying loans, our local experts will help you get the support you need.
Tip: To increase your eligibility, you can even add a co-applicant like your spouse or immediate family member.
Quick loan disbursal
We have a team of legal and technical experts at each of our 215+ ICICI HFC branches to guide you and review your application on the spot, so you avoid multiple visits and requests for documents.
Home loans from ₹ 3 lakhs to ₹ 5 crores
Whether your need is big or small, we finance them all. You can get a home loan for all of the following:
The under-construction property, ready-for-possession property or builder property
New property or resale property
Property from state housing boards such as DDA and MHADA/existing Co-operative Housing Society/Apartment Owners’ Association/Development Authorities settlements/homes by private developers
For property in cities, regularised colonies and gram panchayat properties
For multi-unit or a self-constructed property or even to construct a house on a plot of land you own or to refinance a residential property
For construction on a freehold/leasehold plot or on a plot allotted by a Development Authority
Shift to ICICI HFC
Already been repaying a home loan for 2-3 years at an interest of rate of more than 11% p.a. If your home loan interest is at least 50 basis point higher, shift to an ICICI HFC Home Loan with our Balance Transfer facility to reduce your EMI burden, enjoy competitive interest rates and get undivided attention from our experts.
| Salaried Individuals | |
|---|---|
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Nationality |
Indian, residing in India and Non-Resident Indian |
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Age (Primary applicant) |
23 to 60 years, for resident Indians and 25 to 60 years, for NRIs |
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Eligible job profiles
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People working with proprietorship, Partnerships, LLP or private or public sector companies, MNCs |
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Co-owned Property |
ICICI HFC provides better interest rates to women to encourage them to apply as co-applicants. If you add your wife or mother to your home loan, you may be able to get a lower interest rate, even if they are not earning. |
| Co-applicant | |
|---|---|
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Minimum Age |
Why should you add a co-applicant? |
|
Age (Primary applicant) |
23 to 60 years, for resident Indians and 25 to 60 years, for NRIs |
|
Why should you add a co-applicant? |
If you want to increase your home loan eligibility, you can add a co-applicant, even if they are not earning. This can also help you to be eligible for a larger home loan. Your co-applicant can be your spouse or immediate family member. Because ICICI HFC provides better interest rates to women to encourage them to apply as co-applicants. |
Already have a home loan but feeling the pressure of making EMI payments?
Find the deal you deserve with ICICI HFC.
ICICI Balance Transfer facility allows you to shift your existing home loan to ICICI HFC. Become a part of the HFC family to enjoy exciting benefits like faster loan processing, better interest rates, flexible and easy eligibility norms and access to neighbourhood experts.
The process for your Home Loan Balance Transfer to ICICI HFC should be easier as you already have a home loan from another financial institution; there are certain steps you can skip which are typically involved during procuring a new home loan.
Loan amount
From ₹ 3 lakhs up to ₹ 5 crores
Comfortable repayment period/ tenure
Up to 25 years
Flexible repayment options
Step Up Repayment Facility (SURF)
(Where your EMI increases as your income increases)
Equated Monthly Instalments (EMIs)
(Where you pay a fixed amount every month, even when your income increases)
Easy eligibility norms
Both salaried individuals like government employees and corporate professionals, as well as self-employed individuals like doctors, lawyers, CAs, traders and small business owners can apply
Homes in different areas
Under-construction or ready-to-move-in property
New or resale property
Property developed by State Housing Boards such as DDA and MHADA, by private developers or an existing Co-operative Housing Society, Apartment Owners’ Association, Development Authorities settlements or homes by private developers
Builder-constructed or self-constructed property
Plot for future construction
To refinance a residential property
Property in cities, gram panchayat or regularised colonies, including multi-unit property
For construction on a freehold/leasehold plot or on a plot allotted by a Development Authority
To be eligible to transfer your Home Loan to ICICI HFC, you must fulfil these three conditions:
You are currently paying higher interest and are looking for some relief
You have paid EMIs for your existing home loan
2 reasons to add a co-applicant to your Balance Transfer application
If you want to increase your home loan eligibility or be eligible for a large loan amount, add an earning co-applicant- be it your spouse or immediate family member
Because ICICI HFC provides better interest rates to women to encourage them to apply as co-applicants