|Category || |
| Home Loan (Term Loan)* |
|Upto Rs. 30 lakhs ||Above Rs.30 lakhs & Upto Rs.75 lakhs ||Above Rs.75 lakhs || Home Loan as Overdraft (Maxgain)* |
|Above Rs.20 lakhs & Upto Rs.30 lakhs ||Above Rs.30 lakhs & Upto Rs.75 lakhs ||Above Rs.75 lakhs & Upto Rs.3 crores |
|Women || |
| 8.60-8.70 ** % p.a ||8.85-8.95% p.a ||8.95-9.05% p.a || |
| 8.65-8.75 ** % p.a ||8.95-9.05% p.a ||9.10-9.20% p.a |
|Others || |
| 8.65-8.75 ** % p.a ||8.90-9.00% p.a ||9.00-9.10% p.a || |
| 8.70-8.80 ** % p.a ||9.00-9.10% p.a ||9.15-9.25% p.a |
|Women || |
| 8.75-8.85 ** % p.a ||9.00-9.10% p.a ||9.10-9.20% p.a || |
| 8.85-8.95 ** % p.a ||9.15-9.25% p.a ||9.30-9.40% p.a |
|Others || |
| 8.80-8.90 ** % p.a ||9.05-9.15% p.a ||9.15-9.30% p.a || |
| 8.90-9.00 ** % p.a ||9.20-9.30% p.a ||9.35-9.45% p.a |
*Interest rate will vary as per the risk score of the customer
** Based on LTV of the Customer
- Processing Fee*
- 0.35% of the loan amount plus service tax, Minimum of Rs. 2,000/- plus service tax and Maximum of Rs. 10,000/- plus service tax. Out of pocket expenses for obtention of TIR/Valuation Report/CERSAI Registration, etc. are recovered separately.
- Processing fee waived till 31st May -Under campaign
*Plus applicable taxes
- Advocate's fee for property search and title investigation report.
- Valuer's fee for valuation report.
- Stamp duty payable for Loan agreement & mortgage.
- Property insurance premium.
- CERSAI Registration Fee of Rs 50 + GST up to Rs 5 Lakh limit; and Rs 100 + GST for limits above Rs 5 Lakh.
** To be paid at actuals.
List of papers/ documents applicable to all applicants:
- Employer Identity Card
- Loan Application: Completed Loan Application form duly filled with 3 Passport size photographs
- Proof of Identity (Any one): PAN/ Passport/ Driver’s License/ Voter ID card
- Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/Piped Gas Bill or copy of Passport/ Driving License/Aadhar Card
- NOC from Society/Builder
- Registered agreement for sale
- Occupancy Certificate
- Share Certificate(only for Maharastra), Maintenance Bill, Electricity Bill, property tax receipt
- Chain of all old Agreements for sale
- Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:
- Salary Slip or Salary Certificate of last 3 months
- Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.
Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:
- Business address proof
- IT returns for last 3 years
- Balance Sheet & Profit & loss A/c for last 3 years
- Business Licence Details(or equivalent)
- TDS Certificate (Form 16A, if applicable)
- Certificate of qualification (for C.A./ Doctor and other professionals)
Documents from the other Bank:
- List of original documents held at Bank
- Loan a/c statement for the past one year
- Sanction Letter
- Interim Period Security