ICICI Bank Home Loan Interest rates in Tirupati

Please Find the Detailed ICICI Bank Home Loan Interest Rates For Various Categories

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 Tirupati

Please Find the Detailed Margin Money Details For ICICI Bank Home Loan

	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 Tirupati

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 Tirupati 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

Other ICICI Bank Home Loan Products

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 ICICI Bank Home Loan Products

PL linked to Home Loan

Pragati Home Loans

Extraa Home Loans

Home Overdraft

Pradhan Mantri Awas Yojna

Balance Transfer Plus Top Up

Saral Rural Housing Loan

Home Improvement 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 ICICI Bank Home Loan Products

PL linked to Home Loan

Pragati Home Loans

Extraa Home Loans

Home Overdraft

Pradhan Mantri Awas Yojna

Balance Transfer Plus Top Up

Saral Rural Housing Loan

Home Improvement 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 ICICI Bank Home Loan Products

PL linked to Home Loan

Pragati Home Loans

Extraa Home Loans

Home Overdraft

Pradhan Mantri Awas Yojna

Balance Transfer Plus Top Up

Saral Rural Housing Loan

Home Improvement 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 ICICI Bank Home Loan Products

PL linked to Home Loan

Pragati Home Loans

Extraa Home Loans

Home Overdraft

Pradhan Mantri Awas Yojna

Balance Transfer Plus Top Up

Saral Rural Housing Loan

Home Improvement 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 ICICI Bank Home Loan Products

PL linked to Home Loan

Pragati Home Loans

Extraa Home Loans

Home Overdraft

Pradhan Mantri Awas Yojna

Balance Transfer Plus Top Up

Saral Rural Housing Loan

Home Improvement 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 ICICI Bank Home Loan Products

PL linked to Home Loan

Pragati Home Loans

Extraa Home Loans

Home Overdraft

Pradhan Mantri Awas Yojna

Balance Transfer Plus Top Up

Saral Rural Housing 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 ICICI Bank Home Loan Products

PL linked to Home Loan

Pragati Home Loans

Extraa Home Loans

Home Overdraft

Pradhan Mantri Awas Yojna

Balance Transfer Plus Top Up

Saral Rural Housing Loan

Home Improvement Loan

About ICICI Bank

ICICI Bank Limited (the Bank) is a banking company. The Bank is a diversified financial services group offering a range of banking and financial services to corporate and retail customers through a variety of delivery channels. The Bank operates in the segments: retail banking, wholesale banking, treasury, other banking, life insurance, general insurance and others.

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

ICICI Bank was ranked first in ‘The Brand Trust Report, India Study 2016’ done by Trust Research Advisory (TRA) under the BFSI category

‘Best Retail Bank in India’ in Asia Pacific, at the Asian Banker Excellence in Retail Financial Services International Awards 2016.

‘Best Employee Engagement Initiative’ Middle-East and Africa at the Asian Banker Excellence in Retail Financial Services International Awards 2016

IBA Banking Technology Awards 2016 in the category of 'The Best Use of Technology to Enhance Customer Experience'

ICICI Bank won the 'Global Safety Awards 2016' organised by The Energy and Environment Foundation

ICICI Bank won ‘Best Private Sector Bank’ under ‘Global Business’ category at the ‘Dun & Bradstreet Banking Awards 2015

Home Loan Can Be Used For Many Purposes Like Below

For Construction of a New House

For Purchase of Dream Home

For Interiors of Home

Purchase of Open Land

To Buy an Apartment

Home Renovation

To Purchase a New Villa

Construction of Commercial Building

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

Based on your earning and repaying capacity decide the home loan amount to be taken. The various factors to be taken into consideration include your income, fixed obligations, remaining work experience, future growth prospects, future expenses like children education, marriage etc, other source of income, job related risks etc. This thorough analysis will help in taking right decision. This will help in not making a mistake of taking small loan when your income supports higher loan and taking high loan when your income do not support a huge amount.

Things not to do for Home Loan

Interest Rates

2) Nature of Employment:
The nature of your job also plays a crucial role in determining the interest rate. Banks have different checks in place if you are a salaried individual vis-à-vis a self employed person. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest. But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement.

3) Bank-Customer relationship:
If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway. This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0.5-1% on the interest rate.

So next time you go around shopping for a Home loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied. In the next article we will cover more points that affect interest rates on Home loan. So stay tuned!

Other Benefits

1) Tax Benefits:

As per Income Tax Act 1961, under section 80C, Principal repayment up to Rs. 100000 on your home loan taken for purchase or construction of a residential home property is eligible for deduction from gross salary on a annual basis.

As per Income Tax Act 1961, under section 24, Interest on home loan to an extent of Rs. 150000 P.A is allowed as expenditure under the head “Income from House Property”.

In case home loan is take by two or more jointly then under sec 80C deduction is allowed on proportionate basis.

2) Tips for Home Loan:

To increase the loan eligibility go for a joint loan. Combine your income with that your spouse or your parents.

Loans must not be taken for holidays, investing in stocks, weddings, buying expensive gadgets etc.

In case of Bad credit score take a short term loan (6 months) and repay it promptly and improve your score then.

Have the property insurance and buy loan protector life insurance for unexpected future risks.

Do not avail any short term loans like vehicle loans, Home Loans, credit cards before going for a home loan. Any additional loan taken will reduce your Home Loan eligibility.

Facts about Home Loans

The Banks/Financial Institutes takes care about the following, when you apply for a Home Loan.

A) Earnings & repayment capacity

The Banks/Financial Institutes have their own norms and hence there will be difference in the loan amounts sanctioned to you by different the Banks/Financial Institutes. The main focus of the Banks is on your repayment capacity. They analyze how comfortably you will be able to pay the EMIs throughout the tenure of the loan. This analysis is done based on the ratios like Fixed obligation to Income ratio (FOIR) and Installment to income ratio (IIR).

These ratios are expressed in percentage. FOIR includes all your fixed obligations including EMIs on your existing loans. IIR indicates the percentage of monthly home loan installment of the total income. These two ratios may vary based on actual salary details, years of experience, stability of income, professional qualification, future career growth prospects etc.

B) Property legal and technical clearance:

Banks will not finance all properties. Banks look into various aspects like type of property, locality, Builder etc. They have certain type of properties and localities classified as negative. Therefore before finalizing a property one has to check whether the property is eligible for funding. Though it costs you little extra it is always better to check the legal and technical aspects before buying a property. Banks normally have loan to value (LTV) of 70-85% of value/ cost of the property considering type of property.

Apart from the above two mentioned parameters there is one additional and most important thing the Bank looks into is Credit history. Willingness to repay can be understood from ones past credit history and banking track.

Before selecting the Bank the following are the few points to be understood. All these will help you in selecting a right home loan lender for purchasing your dream home.

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 Tirupati

Tirupati is a city in Chittoor district of the Indian state of Andhra Pradesh. It is a municipal corporation and the headquarters of Tirupati (urban) mandal, and of the Tirupati revenue division.As of 2011 census, it had a population of 287,035, making it the ninth most populous city.

It is the seventh most urban agglomerated city in the state, with a population of 459,985. Tirupati is one of the holiest Hindu pilgrimage site because of Tirumala Venkateswara Temple, besides other historical temples, and is referred to as the "Spiritual Capital of Andhra Pradesh".

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Places To Be Visited In Tirupati

Swami Pushkarni Lake

Swami Pushkarni Lake lies within the sacred premises of Thirumala Venkateswara Temple. A place of utmost reverence and religious significance, it’s believed that Lord Venkateswara himself bathed in this lake along with his consorts. In fact, the lake is considered to be as holy as the mighty River Ganges.

Thirumala Venkateswara Temple

One of the holiest and most sacred Hindu pilgrimage temples in the world, the Thirumala Venkateswara Temple stands tall in full glory on the seventh peak, the Venkatachala, of the majestic Tirupati Hills.

Chandragiri Palaces and Fort

Chandragiri was the fourth capital of Vijayanagar Empire and is most famous for its historical fort built in the 11th century as well as the Raja and Rani Palaces found within it. It was in the year 1646 when the fort was won over by the Golkonda territory and then came under Mysore rule. The Raja Mahal is now an archeological museum and is a brilliant example of Indo-Saracenic architecture of Vijayanagar period. The three-storeyed palace with its tall towers standing for certain Hindu architectural elements, was made of stone, brick and lime mortar. The Queen’s Palace or the Rani Mahal is just like the King’s Palace in terms of architecture.

Silathoranam

Silathoranam is one of the few natural bridges or arches to be found in Asia. It’s a natural rock formation and has the peculiar shape that appears to be the hood of a serpent and a conch. This is perhaps why it is believed that the idol of Lord Venkateswara at the Tirumala Venkateswara Temple is exactly of the same height as the Silathoranam.

Talakona Waterfalls

With a 270 feet-fall, Talakona is the highest waterfall in Andhra Pradesh. The region has a serne quality and it was declared as a biosphere reserve in 1989-90 because of the rich variety of flora and fauna here. The forests here are home to some rare and endangered species of animals such as Slender Loris, Indian Giant Squirrel, Mouse Deer, Golden Gecko, Panther, Porcupine, Chital and Sambar. The forest has a large cover of sandalwood trees and medicinal plants.

Sri Padmavathi Ammavari Temple

This is the temple of Sri Padmavathi Devi, the consort of Lord Sri Venkateswara.The temple is about 5 kilometres away from Tirupati, and there’s a reason why it is located away from the Lord’s temple. Legend has it that the Lord (Sri Maha Vishnu, who later took on the incarnation of Sri Venkateswara) expressed his worship towards the sage, Bhrigu Maharshi, even though the sage had insulted Vishnu. This enraged his consort, Sri Maha Lakshmi, who went to Patala Loka, where she heard a divine voice stating that a pushkarini was dug on the banks of the river Swarnamukhi. So, she immersed herself here in penance for 12 years. In the 13th year Sri Padmavathi emerged from a golden lotus. It is also said that Goddess Mahalakshmi herself emerged as Sri Padmavathi.

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ICICI Bank Home Loan in Tirupati

ICICI Bank Home Loan Interest rates in Tirupati

ICICI Bank Home Loan Floating interest Rates

ICICI Bank Home Loan ICICI Bank Home Loan Fixed Interest Rate for 2 Years, 3 Years

ICICI Bank Home Loan ICICI Bank Home Loan Fixed Interest Rate for 5 Years, 10 Years

ICICI Bank Home Loan ICICI Bank Home Loan Fixed Interest Rates for Full Tenure

Loan To Value (LTV) For ICICI Bank Home Loan in Tirupati

Features of ICICI Bank Home Loan Tirupati

ICICI Bank Home Loan Tirupati Charges

Documentation For Home Loan

For Salaried Persons

For Self Employed/Professionals

Identity Proof For Home Loan

Age Proof For Home Loan

Income Proof For Home Loan

Address Proof For Home Loan

Job Continuity Proof For Home Loan

Banking History For Home Loan

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