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10:09 AM , ,
Mortgage loan options

Home loans

We offer a wide range of home loan options that can be tailored to the
personal needs. With advantages such as simple documents, use of Tablet PCs
and smart phone, getting a home loan sanctioned has become very easy.
Balance Transfer

The advantage

Attractive fixed and floating interest rates option
Higher loan eligibility
Longer term and lower EMI
Lenders can sanction before the Select property
Take advantage of the service
Simple documentation
Balance transfer

Balance transfer
Reduce your EMI burden by turning your home's existing loan for ICICI Bank!

You can transfer your existing home loan from banks and non-bank
Financial companies (NBFCs) for ICICI Bank and enjoy long-term savings.

Key features:
Attractive rate of interest
Simple documentation
Top supplements even for the loan amount up to 100% of the original home loan.
Terms and conditions apply.

Links to personal loans home loans


ICICI Bank personal loan linked to home loans is a top up unique products, which can be used by ICICIBank Home Loanscustomers to fulfill the requirements of individuals and their businesses. It is a type of Top-up loans could be availed of home loans for their property and may be used to meet theirimmediate needs. Moreover, since the term of the loan is the same as the owner of the current loan, payment of EMIs becomes easy.

Main features
Loan amount up to 100% of the original loan amount. Terms and conditions apply
Loans at attractive interest rates.
A simple guide the process for existing customers
Transfer the balance and top up

This product combines the benefits of a balance transfer and head up the product. You can opt forthe top up loan at the time to do a balance transfer.

Main features
Loan amount up to 100% of the original loan amount. Terms and conditions apply
Loans at attractive interest rates
A simple guide the process for existing customers

Ome Improvement Loan

Home improvement loans are provided to facilitate the improvement of a self owned unit housing tonew or existing customers. So, you can add or improve the facilities in the housing units through a loan at a very low rate of interest.

For more details, please click here
Loans for property

Loans for property
Loans for real estate is the perfect way to unlock the hidden value of your property. This multi purpose loans put the money at your disposal to use according to your wishes.

And the best part is that these loans are available at a reasonable rate that makes it easy to repaymore comfortable as much as 15 years.

Loans for real estate can be used for many purposes such as for expanding your business, childmarriage, higher learning, funding a dream vacation, etc.




In-place loan Office (residential property)

A self-employed businessman or professional need a permanent address to set up his own business.ICICI Bank lending residential air defense base makes it easy and convenient to do so. The loansinclude purchasing, construction, extension and improvement of the base of your client's Office.These loans can also be repackaged to include the estimated cost of the renovation.

Home loans for non-resident Indians


ICICI Bank provides attractive offers on home loans for NRIs and PIOs.

The main highlights
Attractive interest rates on a monthly basis reduction
Choose from fixed and floating interest rate
The base section-no fees upfront
Free personal accident insurance within the scope of outstanding loan
Services at the doorstep in India until the disbursements
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10:03 AM
Homebuyers have a choice of loans © BlueSkyImage/Shutterstock.com


3 types of mortgage loans for homebuyers
When it comes to getting a mortgage loan, home buyers have fewer options than they've had in theboom years. From early 2000 until 2008, lenders have been more willing to exotic floating loans based on the dangerous conditions, but they have returned safely and reasonably sponsors.

Compare mortgage rates from reputable lenders

Buy home hoping to jump into the mortgage market will find three basic types of loans, for the most part.


With a fixed rate home loan, your interest rate remains the same for the life of the loan and the payment is divided into equal monthly payments throughout the period.

In the first few years, only a small part of the payment to pay off the principal. Most go to pay off theinterest.

"Fixed rate home loans could be 10 years, 15 years or 20, but the most popular is the 30-year becausethat makes your payment as low," said Floyd Walters, owner of the BWA in La Canada Flintridgemortgage, California.
Fixed-rate mortgage © Ismagilov/Shutterstock.com

Unlike a fixed-rate home loan, which sports an unchanging interest rate over the life of the loan, the interest rate on an adjustable-rate mortgage, or ARM, can change from year to year.

Hybrid ARMs, which are prevalent, feature aspects of both adjustable-rate and fixed-rate mortgages.

"Hybrid mortgages can be anything from a three-year, five-year, seven-year or 10-year fixed interest rate period," says Mark Klein, executive vice president of Skyline Home Loans in Calabasas, California. After the fixed-rate period, the loan is amortized over the balance of the term with a rate that adjusts annually.

"The lender will say, 'We will fix your interest rate at 4 percent for the next five years. At the end of five years, we will go out and find the value of one-year Treasury bills and add a margin to that and we will fix your interest rate on the loan for a year at a time based on that (index and margin),'" Walters says.

Typically, there will be a cap on the initial interest rate reset that is higher than all of the subsequent rate adjustments, and a cap on the amount the rate can change over the life of the loan.
Adjustable-rate mortgage © travelight/Shutterstock.com
For affluent home buyers with no regular income, the jumbo mortgage interest rates, as its name implies, allows the option to pay interest only during the first few years of the loan.

"You can pay if you want the original interest rate is only one choice," Walters said.

Today, mortgage interest rates are mostly jumbo loans. In the housing market the highest costs in the country, a jumbo loan is a mortgage for more than $ 625,500.

The interest-only loans are structured like mortgage interest rate adjustment. Time lasted only interested in five, seven or 10 years first. Then, the exchange rate is often adjusted annually, and the borrower must repay the principal as well as interest.

"When it resets, your payments could go up quite significantly, even if interest rates do not change much," Klein said.

No matter what type of loan are you on a home, do your homework first and make sure that there is no detailed information about mortgage loans that you do not understand.


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9:56 AM , ,

The insured person not only the manufacturer of the product need product liability insurance. Distributors and retailers in the distribution insurance channels are also responsible for goods supplied to the customer.




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