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Product Details
Bank Name

Indiabulls Housing Finance

Maximum Loan Tenure

30 years

Maximum Loan Amount

5 crore

Interest Rate

8.75% onwards

Type

both

Indiabulls Home loans
Down Payment

up to 90% of the property’s value

Fees and Charges

Processing fees: Home loan 0.50% onwards
Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges: Rs 2,500
Transaction handling charges in balance transfer / resale home loans Rs 1,500
Cheque / NACH dishonour charges: Rs 500 (home loans)
Nil on representation of ECS / PDC
Late payment charges: 24% per annum of outstanding EMI
PDC/ECS swapping charges: NIL
Retrieval charges for copies of loan /property document in IB custody Emailing of scanned copies: NIL
Physical copies with IB attestation: Rs 500
Charges for statement of account / amortization schedule: Rs 200
Registration charges for borrowers’ ECS mandate (loan repayment): NIL
Income tax certificate in home loans: NIL
Compliant handling charges: NIL
Charges for certified true copies of title deeds from SRO, if applicable: As per actual
Stamping charges of loan agreement: As per actual, subject to state laws-to be borne by borrower
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc.: As per actual, subject to state laws - to be procured by borrower
Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request): Rs 5,000
Database admin fee: Rs 650 (inclusive of service tax)
ROI switch fee Home Loan: 25% or onwards of the difference of the two coupon rates i.e. between the existing and revised rate

All applicable fees & charges are subject to levy of GST, which if payable, is to be paid in addition to the fees/charges.

Minimum CIBIL Score

750

Down Payment and Fees
Apply Now

Indiabulls Home loans

Special Features
Eligibility Criteria
Age: 21 years at the start of the loan and 65 years when loan period is completed Employment Type: Salaried individuals Self-employed professional Self-employed non-professional
Special Concession
Concession for women
Home Saver Option
No
Features, Eligibility and Concession
Pros
1. Attractive interest Rates 2. Simple documentation process 3. Flexible loan tenure options 4. Quick approval and disbursal 5. Multiple loan repayment options
Cons
Pros & Cons
Application Procedure

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