उत्पाद विवरण
बैंक का नाम
Indian Bank
अधिकतम ऋण अवधि
Up to 15 years.
अधिकतम ऋण राशि
Up to 25,00,00,000.
ब्याज दर
10.10% to 11.75% per annum.
प्रकार
Floating
अग्रिम भुगतान
40% of the Realisable sale value of the immovable property offered as security in Tier-I & II cities.
50% in the case of properties situated in other places.
फीस और शुल्क
Processing fees- 1% of the loan amount.
Pre-payment charges: NIL for floating interest rate.
Late payment charges: 2% per annum for the default/overdue period.
Legal charges: At actuals.
Stamp Duty and registration charges: At actuals.
न्यूनतम CIBIL स्कोर
Not specified by the bank.
डाउन पेमेंट और शुल्क
IND Mortgage
विशेष लक्षण
Maximum loan amount of 25 crores.
पात्रता मापदंड
Salaried class:
Permanent Employees of Central/State govt./Quasi govt. bodies/Public Limited Companies/ reputed Private Limited companies with a clear record of paying timely salaries.
Applicant should have a minimum completed service of 3 years.
Employees of Indian Bank and other Banks (PSU/Private/Foreign/Co-op) are also eligible.P & SE, Other Individuals, Sole-proprietor & other Business Class:* Self-employed/Professionals/ Traders/Businessmen including, Sole Proprietary concern, Firms and Limited companies are eligible based on their income level and cash flow.
Pensioners: All Central / State Govt. Pensioners, Family Pensioners, Re-employed pensioners who are drawing their pension through our branches are eligible
NRI customers are also included subject to the condition that the end use is for bankable purposes, as RBI permitted.
Age criteria: For individuals: Minimum entry-level age: 18 years.
Salaried Class individuals: Exit Level age: 60 years (or date of retirement whichever is earlier)
Other individuals: Exit Level age: 70 years
विशेष रियायत
No
होम सेवर विकल्प
No
विशेषताएं, पात्रता और रियायत
पेशेवरों
Minimal processing fee.
Maximum loan amount of 25 crores.
दोष
The loan-to-value (LTV) ratio is very low.
Loan tenure of up to 15 years.
No Home Saver option
पक्ष विपक्ष
Application Procedure
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