i-Lens
Lowest Interest Rates
Celebrate your best moments through our wide range of home loan products
If you’re looking to buy that house of your choice or wish to build it from the ground up, it’s time to take action now. With a wide range of home loan solutions available to you at attractive interest rates, invest in building a future without restraints. Take advantage of our quick processing, flexible tenures and easy repayment options and select the right loan of your choice.
| Emi Savings | Total Interest Savings | Total Payment Savings | |
|---|---|---|---|
| Existing Loan | |||
| Balance Transfer Loan |
Lower your loan repayments by making the smart choice. Use ICICI Direct to transfer your existing home loan,
Customers with an existing home loan, home improvement loan or a home extension loan can apply for a top-up
Loans for enhancing your home in many ways, such as tiling and flooring, internal or external plaster, and painting.
Loans to extend or add space to your homes, such as constructing additional rooms.
When you own a plot of land, you can build a home that is uniquely yours
You can apply for a Top Up Loan after 12 months of the final disbursement of your existing Home Loan and upon possession/completion of the existing financed property or on the basis of last 12 months track record of the Top Up Loan being refinanced from another institution, subject to possession/completion of the property. The tenure of the loan is also dependent on the customer’s profile, age of customer at maturity of loan, age of property at loan maturity, depending upon the specific repayment scheme as may be opted and any other terms which may be applicable based on prevalent norms.
We will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependents, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.
EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date of each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.
You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.
Yes, you can avail an additional Top Up loan.
Interest rates applicable on Balance Transfer loans do not differ from the interest rates of home loans.
EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date of each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.
