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Home Loan Fest
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Offer validity: Applications logged in during the period 01.10.2019 to 31.10.219

 

Rate of Interest:       

Loan Slabh Rate of Interests (Floating - Linked to LHPLR) Current LHPLR - 14.70%
Products Griha Siddhi / Apna Ghar / Advantage Plus (Housing Loan Component)
Parameters Woman Borrower Salaried & Professional Non-Salaried & Non Professional
Up to Rs. 50 Lacs LIC Policy + CIBIL >= 800 8.35% 8.40% 8.50%
LIC Policy + CIBIL >= 700 < 800 8.40% 8.45% 8.55%
LIC Policy + CIBIL < 700 >= 600 8.45% 8.50% 8.60%
CIBIL >= 800 8.40% 8.45% 8.55%
CIBIL >= 700 8.45% 8.50% 8.60%
CIBIL < 700 >= 600 8.50% 8.55% 8.65%
CIBIL < 600 8.60% 8.65% 8.75%
Above Rs. 50 Lacs & Up to Rs. 5 Crs LIC Policy + CIBIL >= 800 8.45% 8.50% 8.60%
LIC Policy + CIBIL >= 700 < 800 8.50% 8.55% 8.65%
LIC Policy + CIBIL < 700 >= 600 8.55% 8.60% 8.70%
CIBIL >= 800 8.50% 8.55% 8.65%
CIBIL >= 700 8.55% 8.60% 8.70%
CIBIL < 700 >= 600 8.60% 8.65% 8.75%
CIBIL < 600 8.70% 8.75% 8.95%

Other Conditions:

  1. Women borrower has to be either Applicant or Co-applicant in loan.
  2. In case of individual joint applicants, CIBIL score of applicant having highest score whose income is considered for loan application will be considered. The combination of applicants will be as per Credit Appraisal SOP
  3. The applicant/s should has/have a life insurance policy from LIC of India and same should be in force at the time of sanction. Assignment of LIC policy is not mandatory. To get the benefit of ROI, any one of the applicants should be the policy holder.

Conditions for refund of processing fee:

  1. Processing fees along with GST as applicable will be collected for sanction of loan.
  2. On disbursement of first instalment of the loan, processing fee collected excluding GST will be adjusted towards Principal. The credit of the payment will be given in the end of the following month when the disbursement cheque is realized.
  3. Processing fees will not be refunded in case applicant does not avail disbursement.
  4. This offer is valid for Home loans only where first disbursement happens on or before 31.12.2019.


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