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Buying a home is a dream for many individuals. A housing property is not only a high-value asset but also carries invaluable emotional significance and offers monetary assurance. ICICI Direct understands what owning a home means to every individual. We offers a range of home loan products and features to help you finance your dream home. Whether you are a salaried individual, a self-employed professional, or an NRI, ICICIdirect has options tailored to your specific needs. Applying for a Home Loan is the easiest way to realize your dream of buying a home. You can receive financing at reasonable interest rates and repay it as per your affordability in Equated Monthly Installments (EMI). You can apply for a Loan by visiting the nearest bank branch or online.

Key Features & Benefits

ICICIdirect Home Loans offer a range of features and benefits to help you finance your dream home:

  • Dedicated Home Loan Expert: ICICIdirect provides you with a dedicated home loan expert who will guide you through the entire process and help you choose the right loan for your needs.

  • Doorstep Service: ICICIdirect understands the importance of convenience, which is why they offer doorstep service. You can apply for a home loan from the comfort of your own home.

  • Choice of Multiple Lenders: ICICIdirect gives you the freedom to choose from multiple lenders, ensuring that you get the best rates and terms for your home loan.

  • Higher Sanction Value: With the choice of 9 lenders, the approval and sanction ratio is high, allowing you to get a higher loan amount for your dream home.

  • Higher Approved Rate: ICICIdirect works with its lending partners to ensure that you get the best interest rates for your home loan, based on your profile and credit score.

  • Dedicated Customer Service: ICICIdirect is committed to providing excellent customer service. They are available to answer any queries or address any service-related complaints you may have.

Home Loan Features

Avail a significant amount

By applying for a Home Loan, you can avail a significant amount and finance your house purchase easily. The maximum loan amount offered varies for each bank and is influenced by your personal profile. Factors such as your repayment capacity, credit score, and property value are key determinants in your loan eligibility and its subsequent offering.

Competitive interest rates

ICICIdirect offers home loans at competitive interest rates. This ensures that your dream of buying a house does not lead you to feel burdened with high-interest liabilities. The interest rate varies based on your profile, and having a solid financial profile and excellent credit score will help you negotiate for the best interest rates.


Flexible repayment terms

Repay your loan amount in equal monthly installments (EMIs), making it easier for you to plan your finances hassle-free. Choose a suitable tenure considering your affordability.

Quick disbursal

With ICICIdirect, you do not have to wait for several days to start living in your dream home. Once you have completed the application process, met the eligibility criteria, and had your home loan documents verified, your loan request is approved in no time. Furthermore, on approval, the loan amount is disbursed within the shortest possible time frame.

Home Loan Balance Transfer

If you already have a home loan, you can lower your loan repayments by making the smart choice of transferring your existing home loan to ICICIdirect. With competitive interest rates and flexible repayment terms, a home loan balance transfer can help you save money and reduce your financial burden.

Top-up Loan

If you have an existing home loan, home improvement loan, or a home extension loan, you can apply for a top-up loan. A top-up loan allows you to borrow additional funds over and above your existing loan amount. You can use the funds for various purposes such as educational fees, medical expenses, travel, buying a dream car, or debt consolidation.

Home Improvement Loan

ICICIdirect offers home improvement loans for enhancing your home in many ways, such as tiling and flooring, internal or external plaster, and painting. Whether you want to renovate your kitchen, upgrade your bathroom, or make any other improvements to your home, a home improvement loan can provide you with the necessary funds to make your home more comfortable and appealing.

Home Extension Loan

If you need to extend or add space to your home, ICICIdirect offers home extension loans. Whether you want to construct additional rooms, expand your living area, or create a home office, a home extension loan can help you bring your vision to life.

Loans for Construction on Land

If you own a plot of land and want to build a home that is uniquely yours, ICICIdirect offers loans for construction on land. These loans provide the necessary funds to turn your plot of land into the home of your dreams.

NRI Home loans for Salaried & Self Employed

ICICIdirect offers NRI Home Loans for both salaried and self-employed individuals. These loans are designed specifically for non-resident Indians who wish to purchase a property in India. With the choice of multiple lenders, customers would be able to get higher sanction and the best rate in the industry. The interest rate is determined based on the Cibil Score and sole discretion of the lending partner.

How to Apply for a Home Loan Online

Unlock your dream home with icicidirect home loans- partnered with tata capital. Competitive rates, flexible terms. Apply online now!

Applying for a home loan with ICICIdirect is quick and easy. You can apply online by following these simple steps:

  • Visit the ICICIdirect website and navigate to the home loan section.

  • Fill out the online application form with your personal details, income information, and loan requirements.

  • Upload the required documents, such as identity and residence proofs, bank statements, income documents, and property-related documents.

  • Submit the application and wait for the loan approval process to be completed.

  • Once your loan is approved, the loan amount will be disbursed to your bank account.

Home Loan Rates & Charges

ICICIdirect offers competitive interest rates and charges for home loans. The interest rate and other charges may vary depending on factors such as your credit score, loan amount, and tenure. It is important to carefully review and compare the rates and charges before finalizing your home loan.

Documents Required for Home Loan

When applying for a home loan with ICICIdirect, you will need to submit certain documents. These documents may include:

  • Application form with photograph

  • Identity and residence proofs

  • Last six months' bank statements

  • Processing fee cheque

  • Income documents (such as salary slips, Form 16, educational qualification certificates, business profile, and previous years' income tax returns for self-employed individuals)

  • Statement of loans availed in the previous two years

  • Previous three years' profit/loss and balance sheet

It is important to gather all the required documents and ensure their accuracy before submitting your loan application.

Home Loan Eligibility Calculator

To determine your eligibility for a home loan, ICICIdirect provides an online eligibility calculator. This calculator takes into account factors such as your income, age, qualification, number of dependents, spouse's income, assets and liabilities, savings history, and stability of occupation. By inputting these details, you can get an estimate of the loan amount you are eligible for.

What our customers say about us

I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.

Sumeet Verma

Home Loan | 14 March, 2022

The submission of my home loan application was very simple and easy. Even the documentation process was very simple and ended in very less time.

Yukta Jaiswal

Home Loan | 11 March, 2022

The customer support service is good as they responded to my queries without any wait time. With their help, my home loan was approved in very less time.

Rashmi Singhania

Home Loan | 28 February, 2022

I got my home loan approved from Tata Capital. The reason behind going with Tata Capital home loan is they were offering home loan at best price and zero processing fee.

Aman Malik

Home Loan | 18 February, 2022

Rate of interest for the home loan is nominal. The processing fee is applicable but even that's nominal.

Chintan Saraiya

Home Loan | 20 October, 2021

The agent explained clearly about the home loan process. There was no hassle in getting the loan.

Ayaz Azmi

Home Loan | 20 October, 2021

I was given a clear picture about the loan process. I am impressed how I was properly notified by the bank and how transparency was maintained.

Kalpana Singh

Home Loan | 20 October, 2021

The processing fee was nominal for my home loan. It was processed hassle free. I am satisfied with the service.

Sridhar Pillai

Home Loan | 20 October, 2021

The process for my housing loan was immediate. Interest rates were normal at X%. The documentation process was hassle free. What else can I expect!?

Kundan Meher

Home Loan | 20 October, 2021