उत्पाद विवरण
बैंक का नाम
Indian Bank
अधिकतम ऋण अवधि
Up to 10 years.
अधिकतम ऋण राशि
Up to 10,00,000
ब्याज दर
9.40% to 9.95% per annum.
प्रकार
Floating
अग्रिम भुगतान
LTV ratio of up to 70%.
फीस और शुल्क
Processing fees- NIL
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
IB Home Enrich.
विशेष लक्षण
No processing fee.
पात्रता मापदंड
Resident individuals & NRI individuals owning a residential dwelling unit in their name and supported by a copy of the latest Tax Paid certificate/Sale deed/Gift deed/Mutation Certificate/Partition deed.
Salaried Class, Businessman, Professional and Self- employed people, Pensioners having a steady source of income and have put in a minimum period of confirmed service/experience of 3 years (including previous employment/experience and confirmed in the present employment).
The staff of the bank and the spouse of the staff can also avail this loan. In such cases the guarantee of spouse/staff is compulsory.
Existing home loan customers can also avail this loan.
विशेष रियायत
No
होम सेवर विकल्प
No
विशेषताएं, पात्रता और रियायत
पेशेवरों
Minimal processing fee and penal charges.
दोष
Low LTV ratio.
The amount for this loan is limited to 10 lakhs only.
पक्ष विपक्ष
Application Procedure
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