Owning a home is one of life’s biggest aspirations, at IDBI our home loan solutions are designed to offer you convenience and make the journey to your dream home a pleasant one. Our home loan solutions cater to your home loan requirements in a customized manner and are based on the following traits.

• Our expertise & in-depth knowledge of the Industry.
• Quality of Service
• Transparency
• Quick Processing
• Power Packed customized Features to suit your Home Loan requirements.

IDBI Bank Home Loan Solutions: Advantages

1. Assistance in property search and due-diligence of property for acquisition.

2. In-principle loan approval even before property is selected.

3. Extensive Range of Home Loan Products viz .Home Loan, Home Loan Interest Saver, Home Loan -Top up, Home Loan - takeover facility, Home Improvement Loan, Home Extension Loan, Home Loan - Booking Finance, Loan on second Charge/Pari-passu charge and Home Loan-Refinance Facility.

4. Customized Home Loan Features for Salaried (Including NRI), Self Employed Professional and Self Employed Non Professional (Business Category).

5. Already approved projects for convenience of Home Loan buyers

6. Flexible Loan Repayment Option viz. Flexible Loan Installment Plan, Step up & Step down repayment facility, Tranche Based EMI.

7. Broad presence in India with 1900+ Branches and 75+ dedicated Loan Processing Retail Asset Centers.

8. Loan from anywhere to purchase Home anywhere in India.

9. Most experienced personnel for smooth and easy loan processing.

10. Online application facility.

Features

Maximum Loan Amount:

Maximum Loan Tenure:

*Subjected to repayment capacity of the individual as assessed by IDBI Bank Ltd.

Loan Purpose

1. Purchase of under construction and Ready possession Property by way of direct allotment/Resale.

2. Composite Loan for purchase of Plot and construction of dwelling units thereon.

3. Purchase of Plot of land for the purpose of construction of dwelling units.

4. Construction Finance

5. Home Loans for Improvement / Renovation of your existing Home.

6. Home Loans for Extension of your existing Home.

7. Takeover of an existing Home Loan from another financial institution except co-operative banks.

8. Refinance facility towards purchase/construction of the house within 12 months from date of transaction.

Takeover norms from other Banks / Financial Institution

1. Repayment Track Record for a period of 12 months is required

2. Facility of additional funds in the form of Top Up is available

3. Top up facility up to 100% of the original sanction at Home loan interest rates

Attractive & Flexible Interest rates:

Attractive Interest rates that will make your Housing loan affordable and convenient. Choose your own interest rate under floating or fixed type to beat the uncertainty of its movement in the future.

Processing Fees: Limited Period Offer

Eligibility:

The product is available to
(1) Salaried individuals who have at the time of loan application attended the age of 22 years and maximum age at the termination of loan should not be 70 years subject to establishment of satisfactory repayment.

(2) Self Employed Professionals (viz.doctors, engineers, dentists, architects, chartered accountants, management consultant, company secretary, etc) who have attended the age of 25 years at the time of application and maximum age at the time of termination of loan should not be above 70 years.

(3) Self Employed Non Professionals (Businessmen) who have attended the age of 25 years at the time of application and maximum age at the termination of loan should not be above 65 years. Maximum age under the category may be relaxed subjected to availability of proper succession plan of the business.

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