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IDBI HOME LOAN

Trust IDBI for a home loan with attractive rates, smooth approval, and quick disbursal.

Rate of interest

HDFC Bank offers low home loan interest rates starting from 8.55*% p.a

Tenure

IDBI Home Loans have maximum repayment tenure of up to 30 years.

Purpose

Purchase of new Home through direct allotment or Resale of home.

Processing fee

Up to 0.50% of the loan amount or Rs 3,000 whichever is higher

Your Choice of Home, With Your Choice of Home Loan

One of life's greatest ambitions is to own a home. IDBI's home loan options are designed to provide you with convenience and make the road to your dream home enjoyable. IDBI home loan options are tailored to your needs and are based on the following characteristics: IDBI Bank offers house loans beginning at 8.45% p.a. that are available for terms of up to 30 years and loan amounts of up to 90% of the property's cost. It also provides a balance transfer facility as well as top-up home loans to current borrowers of other banks and housing finance businesses, in-principle loan approval prior to property selection, flexible loan repayment options, and customized home loan features for salaried and self-employed borrowers.

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KEY FEATURES OF IDBI HOME LOAN

  • Home loan approval in 4 simple steps.
  • Tailor-made home loans to suit your requirements
  • Apply with minimal documents, save time and effort.
  • Login to your account to conveniently manage your loan.
  • Expert legal and technical counselling
  • AGE - 21-65 years
  • PROFESSION - Salaried / Self Employed / Business Individual
  • NATIONALITY - Resident Indian
  • GENDER - All Genders

For Salaried Applicants:

  • Aadhar, Pan card
  • Salary slips for last 3 months
  • ITR and Form 16
  • Bank account statement for past 6 months showing salary credit

    • For Self-Employed Applicants:

  • Aadhar,Pan card
  • Business profile
  • Memorandum and Articles of Association of the Company
  • List of shareholders and directors with the individual certified by a CA/CS in case business entity is a company
  • Details of current loans of the individual and business entity including installments, outstanding amount, purpose, security, balance loan term, etc.

    • Property-related Documents

  • For New Home – Allotment letter copy/Buyer agreement
  • Payment receipt made to the developer
  • For Resale Home – Title deeds including previous chain of property documents
  • Agreement to sell copy
  • Initial payment receipt made to the seller

    • For House Construction

  • Title deed of plot
  • Copy of the plan approved by Local Authorities
  • No encumbrance proof on the property
  • The total estimate of construction by a Civil Engineer/Architect