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

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.

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

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

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

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.

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

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