उत्पाद विवरण
बैंक का नाम
IDFC Bank
अधिकतम ऋण अवधि
Up to 30 years.
अधिकतम ऋण राशि
Up to 10,00,00,000
ब्याज दर
8.85% per annum onwards.
प्रकार
Floating
अग्रिम भुगतान
Up to INR 30 lakh: Up to 90%.
Above INR 30 lakh & up to INR 75 lakh: Up to 80%.
Above INR 75 lakh: Up to 75%.
फीस और शुल्क
Processing fees-Up to 3% of the loan amount.
Pre-payment charges: NIL for floating interest rate.
Late payment charges: 2% per month of the unpaid EMI or Rs 300 whichever is higher.
Legal charges: At actuals.
Stamp Duty and registration charges: At actuals.
न्यूनतम CIBIL स्कोर
Not specified by the bank.
डाउन पेमेंट और शुल्क
Home Loan
विशेष लक्षण
None
पात्रता मापदंड
For Self-Employed Individuals:
Resident Indians only.
Aged between 23-70 years.
Minimum 4 years of business continuity.
Must earn minimum ₹1.5 lakh per annum.
Tenure duration 12 months - 300 months.
For Salaried Individuals:
Resident & Non-Resident Indians.
Aged between 21-60 years.
Minimum 3 years of experience.
Must earn minimum ₹1 lakh per annum.
Tenure duration 12 months – 360 months.
विशेष रियायत
No
होम सेवर विकल्प
No
विशेषताएं, पात्रता और रियायत
पेशेवरों
Loan tenure of up to 30 years.
Maximum loan amount of up to 10 crores.
दोष
High processing fee.
No Home Saver option.
पक्ष विपक्ष
Application Procedure
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