Table of Content
Pay your bills, shop online and make payment to any merchant unified payments interface ID easily and instantly. Further, please note that the signatures of the applicant and co-applicant are required on all pages of the conversion document. The salt-to-software Tata Group has approached the Bombay High Court to contest a ₹1,500-crore goods and services tax claim pertaining to its 2017 settlement of a dispute with NTT Docomo, sources aware of the development told ET. I/We hereby declare and affirm that the I/we have not made any payments in cash. I/We acknowledge that ICICI Bank reserves the right to retain such documents submitted with this application and will not return the same to the me/us.
I/We confirm that the information submitted by me/us electronically and the details already available with ICICI Bank are true, correct, complete and up to date in all respects and that such information can be relied upon by ICICI Bank for the purpose of loan facility. I/We hereby confirm that I/we have authorized the representative of ICICI Bank to enter the application details in the electronic application form on my/our behalf in accordance with the instructions/information given by me/us in the electronic application form." Both State Bank of India and ICICI Bank the two largest mortgage lenders have increased their home loan rate by 35 basis points post the latest RBI hike on December 7. A fixed rate of interest on a loan would mean that the interest rate of the loan would remain fixed throughout the tenure of the loan and hence, the EMI of the loan would remain fixed.
Interest Rate
I/we understand that the processing fee is a one-time non-refundable fee and is collected by ICICI Bank for the purpose of processing my/our loan facility request and such processing fee once paid, will not be refunded in any circumstances. Under floating rate of interest, loans are linked to benchmark rate. Hence, whenever bank increases or decreases the benchmark rate, the interest rates of the loans will fluctuate and accordingly the EMI or tenure of the loan will increase or decrease.

They only need to use the user ID and password from the welcome kit to access Internet Banking. I was skeptical at first, since it is generally not easy to get things done online in India. To my surprise, the entire home loan process was very quick and I had constant support and help from my relationship manager.
Planning to buy a property? ICICI Bank is here to help.
There was no over-promising of any sorts and he cleared all my doubts with patience. Being an NRI, I found it was really helpful having Krishna readily available to guide and support me with any queries. He was very professional in his conduct and proactive in answering my queries. Yes, you can claim the amount paid towards the repayment of the principal and the interest components as deductions in your income tax return.
The hike in rates will be applicable for both new as well as old customers. After the hike a new home loan borrower from HDFC with a credit score of 800 and above will pay 8.65%. Borrowers below this credit score will pay 8.95% to 9.30% interest rate depending on their credit score, financial situation and whether they are salaried and self employed. I/We hereby authorize ICICI Bank to exchange, share or part with all the information, data or document in relation to the loan application including but not limited to the credit repayment, history or default, if any, committed by the me/us to credit bureaus, agencies, statutory bodies, information utilities.
Popular in Banking/Finance
SpiceJet has proposed to settle the dues of aircraft leasing companies by turning them into potential investors from creditors, according to people aware of the discussions. I/We acknowledge that relying solely on my/our representations, warranties, undertakings and statements contained herein, ICICI Bank is agreeing to establish/continue its relationship with me/us and providing the Facility to me/us. There are/shall be no legal or regulatory prohibitions or impediments, as per the laws of my/our home country, against my/our maintaining my/our relationship with ICICI Bank, including availing the aforementioned Facility. /We hereby declare that the information of GSTIN with respect to the number and billing address is correct and ICICI Bank can update the same in its records. I/We hereby declare that the information provided can be used by ICICI Bank for the purposes of charging GST and reporting of transactions on the GSTN portal and for other related aspects in relation to reporting as stated under GST Act and applicable rules in this regard.

Funds provided to an individual / entity for purchase construction extension or renovation of a residential property is called a Home Loan. Explore a vast database of 40K+ ICICI Bank approved projects by leading developers, across 44 locations in India. With effect from November 20, 2022, new Mortgage Loan charges are being introduced.
Calculate Your Home Loan Eligibility
With respect to pre-approved loan, if any, ICICI Bank reserves the right at any time to withdraw the loan offer and/ or modify, alter the pre- approved loan, terms and conditions and / or ask for any additional document /information from customer. The loan facility will only be established/disbursed upon completion of definitive loan documents and other terms and conditions as ICICI Bank may reasonably require. As per guidelines of RBI, floating rate Home Loans from banks are linked to external benchmark rates. ICICI Bank’s floating rate of interest is linked to Repo Rate declared by RBI from time to time.
To enter your net banking account, you must enter your customer ID and password. The loan statement is available for download in PDF and Excel formats. To receive your User ID on your registered mobile phone, enter the necessary information for your bank account, debit card, or credit card. To apply for a home loan, you need to submit documents such as a proof of identity, a proof of address, a loan application form that has been duly filled and your financial documents. Property documents will be dispatched to the branch where you have submitted the closure request or to the preferred branch, as confirmed by you.
Mortgage customer service solutions are now available, at your fingertips! Access a host of mortgage services, such as rate conversion and part payment, all contactless, without the inconvenience of visiting any branch. Moreover, our services online are safe and secure, so you can be stress-free, while carrying out all your transactions.

For owners of loan accounts, ICICI Bank does not offer a separate online banking facility. To access various loan-related services, they can log in via the bank’s official website. I/We understand that sanction of loan is at the sole discretion of ICICI Bank. ICICI Bank reserves the right to reject the application without assigning any reason and shall not held liable for such rejection.
You can request a copy of the home loan statement by going to any ICICI Bank location. Ensure you log out from the online banking portal whenever you end a session. The same webpage can be used to apply for an ICICI home loan NOC after all debts have been settled. You can easily access all features when using the home loan client site. By continuing to use the site, you are accepting the bank's privacy policy. The information collected would be used to improve your web journey & to personalize your website experience.

The limits on the amount deductible are governed by the applicable income tax laws. To know more about the conversion facility and the applicable rate or scheme options, you can call ourcustomer care. Banks and non banks like HDFC have aligned their rates to the RBI's benchmark repo rate which has risen 225 basis points since May this year. I/We may share, exchange or deliver instruction/information/document electronically to ICICI Bank through email. I/We understand that the disbursement of funds under the sanction letter accepted by me/us is subject to completion of legal and technical analysis of the property to be mortgaged, to the satisfaction of ICICI Bank, wherein the title to the property can be ascertained to be clear and marketable.