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Loan Details
Bank Name
GIC Housing Finance
Maximum Loan Tenure
30 years
Maximum Loan Amount
3 crore
Interest Rate
Variable rate: 8.45%
Type
both
Down Payment
Up to and including Rs. 30 lacs: Loan total exposure not exceeding 90% of the market value of the property as assessed by GICHFL. Rs. 30.01 lacs to Rs. 75 lacs: Loan total exposure not exceeding 80% of the market value of the property as assessed by GICHFL. Above Rs. 75 lacs: Loan total exposure not exceeding 75% of the market value of the property as assessed by GICHFL.
Fees and Charges
Processing fees for loans taken for house purchase or construction: Purchase Property From Builder Purchase In Co-Operative Society Purchase on Second Sale Construction Loan =Rs. 3,000 Administrative Fees on House Purchase and Construction Loans : Rs. 2,500 to Rs. 12,000 depends on our branch locations Processing Fees on Repair and Renovation Loans: Rs. 2,500 Administrative Fees on Repair and Renovation Loans: 0.75% of the loan amount Processing Fee for Balance Transfer: NIL Administrative Fees for Balance Transfer: Rs. 2,500 Conversion Fees for Switch to a Lower Interest Rate: Up to 2% of the outstanding loan amount Prepayment Charges For floating rate home loans: Nil For fixed-rate home loans: 2% on outstanding loan amount CERSAI Registry / Modification Charges: Rs. 50 for loans up to Rs. 5 lakh Rs. 100 for loans above Rs. 5 lakh Cheque/ECS Bounce Charges: Rs. 300 Stamp Duty/ Franking Charges: As per applicable law/charges of the relevant property state=
Minimum CIBIL Score
750
Down Payment and Fees
Apna Ghar Yojana (Individual Housing Loan)
Special Features
Eligibility Criteria
Special Concession
Home Saver Option
Features, Eligibility and Concession
Pros
Cons
Pros & Cons
Product Review
About this content
Public source: Original MyRupaya page
Captured 2026-11-10T05:16:11.251132+00:00. Public page text has been preserved and restyled. Historical financial/product information may be outdated. Embedded widgets and forms are not copied or connected to live services.
