The moment you decide to buy a home, you can put in your application for a Home Loan with ICICI Home Finance. You can apply for a Home Loan even before you have selected the property. Step By Step Guidance for Home loan Process will be provided by our In-house local experts.

ICICI HFC offers loans up to 20 years, provided the term does not extend beyond 65 years of age or the retirement age, whichever is earlier.

Home Loan
Land Loan
Office Premises Loan
EMI Under Construction
Balance Transfer
Top-Up Loan
Loan Against Property
Lease Rental Discounting


Application - Submit a completely filled in application with all the necessary documents.


Sanction - You get an approval for a specific loan amount based on your requirement, repayment capability and the value of the property.

3. Disbursement – Transfer of loan amount.
Disbursement – Disbursement will be made as per stage of construction.

An Equated Monthly Installment (EMI) has 2 components: interest and principal. When the interest is calculated on monthly rests, the principal on which the interest is charged goes down every month. This results in significant savings for the customer over the tenure of the loan.

Through ICICI Home Search, you can identify a property that fulfills your requirements from the handpicked list of properties. We arrange for site visits to the properties short-listed by you, and also assist you with the legal documentation. This service comes to you free of cost. 

As per IT rules, only one certificate can be issued for a Home Loan hence one certificate will be issued in the name of both the applicant and co applicant.