A housing loan, often known as a mortgage, is a sum of money obtained by an individual, typically from lending organizations.  The borrower is required to repay the loan amount plus interest in Equated Monthly Instalments (EMIs) over a period of time.  ICICI HFC is known for its innovative and affordable housing loans.  Financing can be obtained for up to 80% - 90% of the market value of the home.  One of the leading housing loan providers offering the most affordable housing loan is ICICI HFC’s Apna Ghar home loan.  Here in this article, we will discuss the ICICI HFC Apna Ghar home loan, including the features of the affordable home loan.

Affordable Housing Loan (Apna Ghar Home Loan)

The affordable housing scheme - Apna Ghar Home Loan, is not like the usual home loan packages offered.  You will benefit from this affordable housing loan facility even if you do not have the income proof document like ITR or may have faced issues while applying for affordable home loans in the past.

Who can get ICICI HFC Apna Ghar Home Loan?

  •  Individuals between the age of 25 to 60 years with a minimum monthly income of INR 7000 for salaried professionals or INR 1 lakh for self-employed
  •  Individuals working with Govt / Semi Govt/ PSU/ Pvt Sector Companies/ Private Firm/ Proprietor/ Society & Trust/ Educational Institution and Hospital run by Trust/NGO/Society as an employee

Features of Affordable Home Loan

Home loans differ from bank to bank.  But Apna Ghar Home loan happens to be a crowd favorite.  It offers hassle-free home loans to millions of self-employed and cash-salaried professionals working engaged in Retail/Wholesale business or in a profession other than practicing professional, fulfilling their dream of owning a home.  ICICI HFC, through its 170+ branches, provides quick loans without asking for ITR.

Listed below are some features of the affordable home loan from ICICI HFC, i.e., the Apna Ghar Home Loan.

  •  Easy loan availability -

On account of ICICI HFC’s simple eligibility requirements and criteria, you can avail of the loans very easily.  Even if you don’t have an income proof document like the ITR.  This advantage will only be applicable to you if you are not a bank loan defaulter or have a clean loan repayment history.

  • ITR is not required

ITR is not mandatory for loan sanction.  You can get Apna Ghar Home loan upto INR 30 lakhs if you are between the age of 25 to 60 years with a minimum monthly income of INR 7000 for salaried professionals or INR 1 lakh for self-employed.  If you are in Mumbai or Delhi, you are eligible for a loan upto INR 50 lakhs from any ICICI HFC located within a radius of 50 KM from your address.

  • Housing loan eligibility for all -

As mentioned earlier, irrespective of whether you are a business holder, a scrap shop owner, a teacher, a doctor, a CA, an accountant, an architect, an employee of a government, Private, or NGO entity, or self-employed whatsoever, you are eligible to apply for a housing loan.  A person with a minimum monthly income of INR 7000 for salaried professionals or INR 1 lakh in case of self-employed can get the benefit of Apna Ghar home loan.  Additionally, ICICI HFC offers loans to all people having a CIBIL score of 650 or below, which makes the scheme all-inclusive.

  • Less time required for loan approval -

ICICI HFC has a simplified and well-defined loan process with minimum documentation requirements.  The experts with us process and approve the loan applications quickly.  Your loan gets sanctioned within 3 to 5 business days. 

  • Loan approval for houses nearer to your place -

With more than 175+ branches, ICICI HFC aims to provide you with loan assistance nearer to your place.  You can get affordable home loans at any location within a radius of 50 KM of any ICICI HFC branch.


These features of the affordable Home Loan from ICICI HFC create funding opportunities for everyone.  

Impact of EMI defaults on CIBIL score

Impact of EMI default on CIBIL score – ICICI HFC offers loans to individuals having a CIBIL score of 650 or below.  

Why Choose ICICI HFC for Apna Ghar Home Loan

Choosing ICICI HFC for Apna Ghar Home Loan brings a turning point to a person’s life who may have faced getting a home loan from many NBFCs or banks.   Millions of individuals prefer ICICI HFC for its easy loan approval criteria, minimum documentation with no ITR, and quick loan approval within 3 to 5 business days.   ICICI Apna Ghar Home Loan helps everyone make their dream home a reality.