उत्पाद विवरण
बैंक का नाम
Indian Bank Limited
अधिकतम ऋण अवधि
Maximum 10 years
अधिकतम ऋण राशि
Maximum – Rs.10.00 lakhs
ब्याज दर
9.40% to 9.95%
प्रकार
Floating
अग्रिम भुगतान
30%
फीस और शुल्क
Processing fees- Nil
Pre payment charges- Nil
Penal interest- 2% per month.
Legal Fee: At actuals.
Stamp Duty And Registration Charges: At actuals.
न्यूनतम CIBIL स्कोर
Not specified.
डाउन पेमेंट और शुल्क
IB Home Enrich
विशेष लक्षण
One of the lowest interest rate.
पात्रता मापदंड
Resident individuals & NRIs Individuals owning a residential dwelling unit in their name and supported by 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 steady source of income and who have put in a minimum period of confirmed service / experience of 3 years (including previous employment / experience and confirmed in the present employment).
Staff of IB Bank as well as Spouse of the staff can also avail this Loan. Existing Home loan customers can also avail this loan.
Age Min Entry Age – 18 years Max Entry Age – 65 years Max Exit Age – 70 years
विशेष रियायत
None.
होम सेवर विकल्प
No.
विशेषताएं, पात्रता और रियायत
पेशेवरों
Low interest rate.
Suitable for various employment categories, including salaried, businessmen, professionals, self-employed individuals, and pensioners.
Wide loan amount range from Rs.1.00 lakh to Rs.10.00 lakhs. Flexible Net Take Home Pay (NTHP) criteria based on annual income.
Maximum repayment period of 10 years.
Holiday period allowed until repairs/renovation completion or 3 months from loan disbursement, with compulsory monthly interest servicing. Reasonable interest rates. Various security options, including lien on bank term deposits, pledge of NSCs, and assignment of LIC policies.
दोष
Difficult to navigate site and extremely difficult to apply online for home loan.
Indian bank has limited network.
पक्ष विपक्ष
Application Procedure
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