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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.
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.
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.
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.
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.
Service provided by Manoj Patel in Surat vesu Branch was helpful and because of his support we were able to close loan.
Home Loan | 23 Aug, 2024
Excellent A1 Services. The Lady at the Customer Desk is very Cooperative and helpful so that my work completed without the time frame. The name of the Lady is Amruta Pathak. God bless her and her family. Thanks and Regards for the entire team of Tata Capital.
Home Loan | 13 Aug, 2024
Very good & prompt service, and we have spoken to Mr. Manish also, and he always helps us to provide our request. Thank you, Ms Apurva Shende & Manish Padwal
Home Loan | 24 Jul, 2024
I'm happy with the service and the help I got earlier for foreclosure letter. Thank you so much & thanks to Alisha mam for her guidance.
Home Loan | 17 Jul, 2024
Special thanks to Mr. Avinash for his help rendered with full commitment to his job, answering the queries to me clearly, and follow up so that the work is done in given time to get customer satisfaction.
Home Loan | 02 Jul, 2024
Mr Avinash who handled my case is well experienced and has courtesy for customers' concerns. However, some of the Tata Capital products are very expensive when compared to other banks' ones!
Home Loan | 28 Jun, 2024
Start to end of my loan process was simple and guidance of your team members were to the point. My last communication was with Mr. MANOJ PATEL from surat branch he was very polite and helpful.
Home Loan | 20 Jun, 2024
We extend our heartfelt gratitude to Mr. Pravin Sagare, Senior Officer of Customer Service, for his exceptional service. His remarkable demeanor and professionalism during telephonic interactions with customers have been truly outstanding. Over the past two years, we have utilized various services, yet none have matched the quality provided by Mr. Sagare. We are deeply impressed by the exemplary service, due to this reaons we has influenced our decision to obtain a second home loan from TATA Capital Housing Finance Limited.
Home Loan | 07 Jun, 2024
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.
Home Loan | 14 Mar, 2022
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Looking for a bungalow or an apartment? With Tata Capital Home loans, find a dream home and make it your reality. Ab aapke sapnon ka ghar aapke naam!
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