ICICI Bank Home Loan Interest rates in Bhavnagar
ICICI Bank Home Loan Floating interest Rates
Up To 28,00,000 | 28,00,000 To 75,00,000 | 75,00,000 To 5,00,00,000 | 5,00,00,000 Above | |
---|---|---|---|---|
Salaried | 6.70% | 6.70% | 6.75% | 6.75% |
Self Employed | 6.75% | 6.75% | 6.75% | 6.75% |
Women | 6.70% | 6.70% | 6.75% | 6.75% |
ICICI Bank Home Loan ICICI Bank Home Loan Fixed Interest Rate for 2 Years, 3 Years
Up To 28,00,000 | 28,00,000 To 75,00,000 | 75,00,000 To 5,00,00,000 | 5,00,00,000 Above | |
---|---|---|---|---|
Salaried | 8.70% | 8.70% | 8.75% | 8.85% |
Self Employed | 8.70% | 8.70% | 8.75% | 8.85% |
Women | 8.70% | 8.70% | 8.75% | 8.85% |
ICICI Bank Home Loan ICICI Bank Home Loan Fixed Interest Rate for 5 Years, 10 Years
Up To 28,00,000 | 28,00,000 To 75,00,000 | 75,00,000 To 5,00,00,000 | 5,00,00,000 Above | |
---|---|---|---|---|
Salaried | 8.75% | 8.85% | 8.85% | 8.95% |
Self Employed | 8.75% | 8.85% | 8.85% | 8.95% |
Women | 8.70% | 8.80% | 8.80% | 8.80% |
ICICI Bank Home Loan ICICI Bank Home Loan Fixed Interest Rates for Full Tenure
Up To 28,00,000 | 28,00,000 To 75,00,000 | 75,00,000 To 5,00,00,000 | 5,00,00,000 Above | |
---|---|---|---|---|
Salaried | 9.75% | 9.85% | 9.85% | 10.10% |
Self Employed | 9.75% | 9.85% | 9.85% | 10.10% |
Women | 9.70% | 9.70% | 9.80% | 10.05% |
Loan To Value (LTV) For ICICI Bank Home Loan in Bhavnagar
Up To 28,00,000 | 28,00,000 To 75,00,000 | 75,00,000 To 5,00,00,000 | 5,00,00,000 Above | |
---|---|---|---|---|
Salaried | 85.00% | 85.00% | 85.00% | 85.00% |
Self Employed | 85.00% | 85.00% | 85.00% | 85.00% |
Women | 90.00% | 90.00% | 90.00% | 90.00% |
Features of ICICI Bank Home Loan Bhavnagar
Type | Features |
---|---|
Processing Fee | 1.0% |
Pre Closure Charges | Nil |
Part Payment Charges | Nil |
Min Tenure | 5 Years |
Max Tenure | 30 Years |
Min Age | 21 Years |
Max Age | 65 Years |
Min Loan Amount | Rs.1,00,000/- |
Max Loan Amount | Rs.30,00,000/- |
ICICI Bank Home Loan Bhavnagar Charges
Type | Charges |
---|---|
E M I Bounce Charges | 2% per month |
Duplicate Statement Charges | Rs.500/- |
Insurance Cover | Upto Loan Amount |
Inspection Charges | Nil |
Legal Opinion Valuation Charges | Nil |
Cheque Swapping Charges | Rs.500/- |
Bounce Cheque Charges | Rs.500/- |
Issue Duplicate Provisional Interest Certificate | Nil |
Issue Duplicate Interest Certificate | Nil |
Duplicate Balance Certificate | Nil |
Issue Amortization Schedule Duplicate | Nil |
Switch Variable To Fixed | Floating to Dual fixed rate 0.5% of the principal outstanding plus applicable taxes |
Switch Fixed To Variable | Dual fixed rate to Floating 0.5% of the principal outstanding plus applicable taxes |
Photocopy Documents | Rs.500/- |
Documentation For Home Loan
For Salaried Persons
- Filled Application form
- Identity Proof (PAN CARD)
- Address Proof
- Latest 3 months Payslips
- Job Continuity Proof
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
For Self Employed/Professionals
- Filled Application form
- Identity Proof
- Address Proof
- Last 2 years Income Tax Returns
- Professional/Self employed existence proof for more than 3 years
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
Identity Proof For Home Loan
- Passport
- Driving License
- PAN card
- Photo credit card (with embossed Signature and last two months statement)
- Banker's sign verification
Age Proof For Home Loan
- PAN Card
- Passport
- License
- School leaving certificate
- Voter card
- Birth Certificate
- LIC policy (only for age Proof)
Income Proof For Home Loan
- Passport
- Telephone bill (BSNL/MTNL)
- Electricity bill
- Title deed of property
- Rental agreement
- Driving license
- Election ID card
- Photo-credit card (with last two month statements)
Address Proof For Home Loan
- Latest salary slip
- Current dated salary Certificate with latest form 16.
- Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
Job Continuity Proof For Home Loan
- Form 16
- Relieving letter
- Appointment Letter (for last two months)
- Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
Banking History For Home Loan
- Bank statements of latest 2 months
- 3 months bank passbook
Property Related Documents For Home Loan
- Min of 15 years of Link documents of Property
- Min 15 Years of Encumbrance Certificate (EC) of the property obtained from Govt. Authorities
- Property Sanction plan
- BRS/LRS copies (if required, any)
ICICI Bank Home Loan FAQ's
Faq1
faq ans
PL linked to Home Loan
The Personal Loan linked to Home Loan offers an opportunity of meeting your requirements like home furnishing, marriage expenses, funding children’s higher education, holiday expenses etc.
Top Up loan is available for non individuals also.
Benefits:
Loan amount up to 100% of originally sanctioned Home Loan
Tenure up to 20 years (subject to outstanding/original tenure on Home Loan)
Attractive interest rate
Lower EMI
Simplified documentation
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Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
Pragati Home Loans
ICICI Bank Pragati Home Loans for salaried and self-employed borrowers will cater to the Home Loan requirement of a wider section of Indian society. Under Pragati Home Loans you can avail Home Loan, Home Improvement Loan and Non Residential Premise Loan (NRP).
Product Features
Minimum income of ?10,000 per month for salaried applicants
Loan amount from ?5 lakh to ?50 lakh
Tenure up to 20 years
Easy Balance Transfer facility available
Presently Approved Locations for Pragati Home Loans are Mumbai, Delhi, Bengaluru, Pune, Hyderabad, Surat, Ahmedabad, Kolkata, Chennai, Vadodara, Rajkot, Jaipur, Nashik, Nagpur,Cochin, Raipur, Indore, Agra and Lucknow.
Other Bank Home Loan Products
Bajaj Finserv Home Loan
Axis Bank Home Loan
HDFC Bank Home Loan
Magma Fincorp Home Loan
DHFL Home Loan
Citi Bank Home Loan
Dcb Bank Home Loan
IDBI Bank Home Loan
IndusInd Bank Home Loan
Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
Extraa Home Loans
ICICI Bank Extraa Home Loans allow you to enhance your loan amount by up to 20% and also provide you an option to extend the repayment period up to 67 years of age. This facility provides the dual advantage of improved affordability and a longer repayment period.The enhancement in loan/repayment period is backed by Mortgage Guarantee.
The facility is currently offered in Greater Mumbai, National Capital Region, Bengaluru and Surat. ICICI Bank Extraa Home Loans is available in three variants designed to address the needs of a wide range of customers:
Eg: For middle age, salaried customers: Suitable for salaried borrowers up to 48 years of age. While with regular home loan, you get a repayment schedule until the age of retirement, with this facility you may now extend the loan tenure up to 65 years of age.
Illustration
Mr. Raj Mehta, aged 47 years, aspires to buy a 2 BHK house worth Rs. 65 lakh. Mr Mehta has a family with two children, lives in Mumbai and has a monthly gross Income of Rs. 75,000.
He has accumulated Rs. 21 lakh for his own contribution. When he applies for a home loan, bank sanctions a loan of only Rs. 39 lakh with an EMI of Rs. 45,000 and 13-year tenure till 60 years of age. He faces a gap of Rs. 5 lakh to buy his dream house!
With Extraa Home Loans:
He gets a higher loan of Rs. 45.5 lakh (increase of 17%) with the same EMI
Longer repayment tenure of 18 years till 65 years
He pays a guarantee fee of Rs. 70,000
Other Bank Home Loan Products
Bajaj Finserv Home Loan
Axis Bank Home Loan
HDFC Bank Home Loan
Magma Fincorp Home Loan
DHFL Home Loan
Citi Bank Home Loan
Dcb Bank Home Loan
IDBI Bank Home Loan
IndusInd Bank Home Loan
Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
Home Overdraft
ICICI Bank Home Overdraft - Home loan Overdraft Facility:
ICICI Bank Home Overdraft is an innovative offering in our product suite for the salaried customers. This facility is available for existing Mortgage Loan customers and will be linked to your Salary / Savings Account. With Home Overdraft, you can now avail instant funds to meet your personal needs.
Features:
Flexibility of using funds at your convenience
Interest applicable on utilised amount
Facility available for Mortgage Loan customers
Other Bank Home Loan Products
Bajaj Finserv Home Loan
Axis Bank Home Loan
HDFC Bank Home Loan
Magma Fincorp Home Loan
DHFL Home Loan
Citi Bank Home Loan
Dcb Bank Home Loan
IDBI Bank Home Loan
IndusInd Bank Home Loan
Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
Pradhan Mantri Awas Yojna
Pradhan Mantri Awas Yojna - Credit Linked Subsidy Scheme:
ICICI Bank offers "Credit Linked Subsidy Scheme" for Economically Weaker Section (EWS) and Lower Income Group categories under Pradhan Mantri Awas Yojana.
The beneficiaries of the scheme are:
Families not owning a pucca house
Economically Weaker Section (EWS) and Low Income Group (LIG)
Families comprising husband, wife and unmarried children
Scheme features:
Subsidy benefit of 6.5% p.a for first home buyers
Upfront subsidy benefit on principal outstanding
Other Bank Home Loan Products
Bajaj Finserv Home Loan
Axis Bank Home Loan
HDFC Bank Home Loan
Magma Fincorp Home Loan
DHFL Home Loan
Citi Bank Home Loan
Dcb Bank Home Loan
IDBI Bank Home Loan
IndusInd Bank Home Loan
Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
Balance Transfer Plus Top Up
Opt for this facility to lower your EMI obligation on your existing Home Loan from other Banks and Non-Banking Financial Companies (NBFCs) and avail additional funds for your personal or business needs.
Key Features
Attractive interest rate
Simplified documentation
Additional top-up loan amount up to 100% of the original home loan. Terms and Conditions apply.
Other Bank Home Loan Products
Bajaj Finserv Home Loan
Axis Bank Home Loan
HDFC Bank Home Loan
Magma Fincorp Home Loan
DHFL Home Loan
Citi Bank Home Loan
Dcb Bank Home Loan
IDBI Bank Home Loan
IndusInd Bank Home Loan
Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
Saral Rural Housing Loan
ICICI Bank Saral Rural Housing Loan is designed to empower the women borrower and weaker section to realise their dream of owning a home.
The credit facility will be extended for acquisition, construction, repairs, renovation or up-gradation of a house in rural areas.
Key Features:
Loan up to 90% of property value
Loan amount between 5 Lacs – 15 Lacs
Tenure between 3 - 20 years
Other Bank Home Loan Products
Bajaj Finserv Home Loan
Axis Bank Home Loan
HDFC Bank Home Loan
Magma Fincorp Home Loan
DHFL Home Loan
Citi Bank Home Loan
Dcb Bank Home Loan
IDBI Bank Home Loan
IndusInd Bank Home Loan
Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
Home Improvement Loan
Refurbish your dwelling unit with ICICI Bank Home Improvement Loan.
Key Features:
HIL covers a range of facilities internal as well as external to the structure without increase in the living pace
Loan at Home Equity rate of interest
Other Bank Home Loan Products
Bajaj Finserv Home Loan
Axis Bank Home Loan
HDFC Bank Home Loan
Magma Fincorp Home Loan
DHFL Home Loan
Citi Bank Home Loan
Dcb Bank Home Loan
IDBI Bank Home Loan
IndusInd Bank Home Loan
Kotak Mahindra Bank Home Loan
State Bank of India Home Loan
Standard Chartered Bank Home Loan
LIC Housing Finance Home Loan
Fullerton Home Loan
TATA Capital Home Loan
HDFC Limited Home Loan
Aditya Birla Housing Finance Home Loan
Edelweiss Home Loan
Indiabulls Housing Finance Home Loan
Yes Bank Home Loan
Bank of Baroda Home Loan
About ICICI Bank
The Bank provides a range of commercial banking and project finance products and services, including loan products, fee and commission-based products and services, deposit products and foreign exchange and derivatives products to corporations, middle market companies and small and medium enterprises in India. Its commercial banking operations for retail customers consist of retail lending and deposit taking and distribution of third party investment products. It also offers agricultural and rural banking products.
ICICI Bank Highlights
About Other Banks
Bajaj Finserv
Axis Bank
HDFC Bank
Magma Fincorp
DHFL
Citi Bank
Dcb Bank
IDBI Bank
IndusInd Bank
Kotak Mahindra Bank
RBL Bank
State Bank of India
Standard Chartered Bank
Avanse
LIC Housing Finance
Fullerton
TATA Capital
Credila
HDFC Limited
Aditya Birla Housing Finance
Capital First
Edelweiss
Indiabulls Housing Finance
Religare Finvest
Yes Bank
Canara Bank
Bank of Baroda
Home Loan Can Be Used For Many Purposes Like Below
Why Home Loans?
Most of the families prefer to have their own house whether big or small. There is a significant difference staying in a self owned house than in a rented shelter. House is the most costly asset owned by middle and upper middle class families and it has emotional value. Affording own house with actual money is not always possible. Even though a person has stable income, years of savings are required to own a house in this current market. A Home loan answers the problems of those people who are willing to have their own home but do not have sufficient money to do that. You can now own your dream home by availing Home loan.
Home loan is normally for purchase of a new House/ Flat/Plot or renovation/ renewing of existing residential or commercial properties. Home loans are provided by Banks and registered finance companies. In Indian market there are several Banks/ HFCs providing Home loans at competitive interest rates. Home loan is always secured against the property that you buy. In case you are unable to repay the loan amount the lending bank will have right to take possession of the home.
In case of a Home loan entire lump sum amount will be sanctioned and disbursed initially based on the credit worthiness. You can plan your housing loan repayment tenure varying from 10-30 years and is repayable in form of EMIs. The rate of interest applicable is linked with Bank's base rate. You have a option to chose floating interest rate or fixed interest rate for the loan amount. For those who want the EMI amount to be fixed and are intending to plan their payments accordingly can opt for fixed interest rate. Those who are ready to take minimal risk and intend to avail the advantage in the long run can avail floating rate of interest. Floating rate of interest is more beneficial in the long run.
Expert Advice
Best Practices for Home Loan
Things not to do for Home Loan
Interest Rates
Other Benefits
Facts about Home Loans
The Banks/Financial Institutes takes care about the following, when you apply for a Home Loan.
Home Loan Vs Mortgage Loans
Home Loans | Mortgage Loan |
---|---|
Home loan can be availed for own/purchase of new property (Home or Flat). | Mortgage loans will be provided based on already owned property. |
Under Home Loan, loan can be availed only for purchase of new property. | There is no restriction on mortgage loan usage. It can be used for any purpose. |
Housing Loan will be provided for max of 25 years, some banks can extend it to 30 years also. | Mortgage loans will be restricted to max of 10 years of term, which will be varying from bank to bank in India. |
Home Loans interest will be as low as 9.95% to max of 11.5%, these interest rates will be subject to change as per market condition. | Interest rate will be very from 12% to max of 15% based on the bank to bank. Generally mortgage loans will be fixed interest loans. |
Home Loan customers can be eligible for Income tax deduction of Rs 1.00 lakh on housing loan interest under section 80EE. This would be in addition to the existing tax benefit of Rs 1.5 lakh under section 24, only if the value of the property purchased should not exceed Rs 40 lakh. Also, it could result in maximum savings of Rs 30,000-31,000. | If the money received from a mortgage loan is used for business purposes, the interest can be claimed as an expense on the balance sheet of the business. However, if an individual is using it for personal end use, like marriage or medical expenses, the interest is not tax deductible as per income tax guidelines. |
Loan can be availed up to max of Rs. 1.0 Cr under home loan, for real estate project funding it can be up to Rs. 20.0 based on the bank risk appetite. | Mortgage Loans can be avail up to Rs. 15.0 cr based on the type of property and its usage and value of property and eligibility of applicants as per banks norms. |
There is no prepayment penalty for the housing loan customers, when the loan will be cleared by the own funds. | There will be pre payment changes will be applicable for mortgage loans. This will be vary from 1% to 3% as per bank internal guidelines. |
Part pre Payments will be allowed in Housing Loans. | There were no part prepayment will be allowed for Mortgage loans. |
Housing Loan can be availed with joint eligibility by Husband and wife or blood relatives. | Mortgage loans also avail with the joint eligibility as company and director or blood relatives. |
You can avail max of 80% of the property value as a home loan as per your eligibility criteria. | In Mortgage Loan max of 65% property value can avail as a Loan based on the type of property. |
You can avail a top loan facility on your home loan. | Top up facility will be vary from bank to bank internal guidelines. |
About Bhavnagar
Bhavnagar, in the Indian state of Gujarat, is a port city on the coastal region of the Saurashtra peninsula abutting the picturesque Gulf of Cambay. It is fifth largest city of Gujarat is situated in the eastern coast of Saurashtra, also called Kathiawar and to the west of the Gulf of Khambat. It is the second largest city of Saurashtra.
Bhavnagar is primarily a business town, close to Alang which is the biggest ship breaking yard in South Asia. People coming in for business in Alang make Bhavnagar their base as all the offices are situated here, region and is known for its cultural capital.
In 1823, a new capital near Vadva village was established by Maharaja Bhavsinhji Gohil and the place was named Bhavnagar, after his name. The place gained importance owing to its location that facilitated maritime trade. It became the capital of Bhavnagar State. Until Indian Independence in 1947, the Rajput Gohil clan ruled the independent state of Bhanvanagar.In 1948, it was the first Indian princely state to unite with the Indian Union.
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Places To Be Visited In Bhavnagar
Takhteshwar Temple
Takhteshwar Temple is a famous temple situated in the Bhavnagar city in Gujarat. It was constructed in 1893 at the instructions of the then ruler of Bhavnagar, Maharaja Takhatsihnji. It has a magnificent shrine with a three eyed Lord Shiva who is regarded as the powerful and fascinating deity of the Hindu Trinity. The temple is constructed in white marble which showcases a rare architectural beauty. It also offers an aerial view of the city of Bhavnagar and the surrounding regions.
Tadhavaj Hill
On the confluence of the rivers Shatrunai and Talaji on the hill top the town of Talaja is located. Carved out in the hills are Buddhist caves or monasteries which were built thousand of years ago. A pleasant climb up the hill brings one to magnificently built Jain temples. Located 160 ft above sea level, the place is famous for a small cluster of temples and ancient caves, believed to be Buddhist origin, carved into the hills. Talaja Teerth is a center of religious activity.
Sihor
An interesting excursion from the Vijay Vilas Palace is Shihor, with its historic old palace of the Maharaja of Bhavnagar, featuring gardens, wall paintings and woodcarvings. It can also be used as a base to visit Alang Ship Breaking Yard, the Jain temples of Talaja, the historic town of Vabhipur and the Velavadar National Park.
Gandhi Smriti
Gandhi Smriti stands in Bhavnagar city as the vital link of the life of the political leader and the city. The memorial, which houses a hoard of photographs of the Mahatma, stands by the clock tower in Crescent Circle. Gandhi Smriti in Bhavnagar preserves a huge collection of books and other memorabilia used by Mahatma Gandhi. The repository also displays photographs that recreate the various events in the life of this great leader. Artifacts like religious carvings and betal cutters that are cultural representatives of Saurashtra are also found in Gandhi Smriti at Bhavnagar.
Bhavnagar Lock Gate
The Lock Gate of Bhavnagar is situated in a dockyard of the city that was built 100 years ago. It is a very old dry dock of the country, which is still operational. It is at present used for the making of ships. The Lock gates impound the sea-water in order to keep the ships floating in the time of low tides. One can watch the lock gates in action after taking special permission. Among the various places to see in Bhavnagar, the Lock Gate is surely a popular tourist choice.
Gopnath Beach
A beautiful hamlet on the coast of the Gulf of Khambhat and at a distance of 10 Kms from Talaja, the taluka headquarter of Bhavnagar district is Gopnath. Vying for eminence on the tourist circuit with development of a heritage hotel - Gopnath Bungalow, it was a pleasant sea-shore retreat of Gohil rulers of Bhavnagar. The bungalow built in a European colonial style with cottages and mansions surrounding the courtyard faces the sea and offers a beautiful view of the gulf.It attracts marine life and birdwatching enthusiasts to the rocky shores on the coast. It is also renowed for the temple of Gopnath Mahadev, where Narsinh Mehta is believed to have performed penance. The coast in this area is full of tiny islands and offers a picturesque delight to the onlooker.
Nilambag Palace
Nilambag, the royal palace now converted into a heritage hotel reflects the grandeur of the eighteenth century and is set amidst vivid lawns and gardens. The pillared porticos, stepped arches, pleasant center courtyard, turning marble staircase, dining hall furnished with European chandeliers and the historic library takes one back to the era of royalty and splendor.