Buying a Home is the costliest purchase in one's life and it is equally important to choose a Home Loan partner who will look beyond loan transactions. Typically Home loans being 20-30 years tenure, the terms should be easy to understand and process simplified with utmost transparency. It's that sense of security one feels when taking a loan from IDFC Bank.
Use Home Loan EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure. Apply for Home Loans in Delhi-NCR online with LoanMoney to avail the lowest interest rates and quick approval.
|Age||23 To 60 Years||23 To 70 Years||23 To 70 Years|
|Loan Amount||Upto 5 Crore||Upto 25 Crore||Upto 25 Crore|
|Tenure||Max. 30 Years||Max. 25 Years||Max. 25 Years|
|Rate of Interest / APR [Annual Percentage Rate]||8.10% To 11.50%||8.10% To 11.50%||8.10% To 11.50%|
|Features||Get Interest Saver Account with Home Loan||Get Interest Saver Account with Home Loan||Get Interest Saver Account with Home Loan|
|Processing Fees||10000/ + Service Tax||10000/ + Service Tax||10000/ + Service Tax|
|Documentation||KYC/Financial(2 Years) & Property Documents.||KYC/Financial(2 Years) & Property Documents.||KYC/Financial(2 Years) & Property Documents.|
If you are Salaried
If you are Self-Employed
If you are Self-Professional
|Age(Min-Max)||23 To 60 Years||23 To 70 Years||23 To 70 Years|
|Minimum Income||Min. 2,00,000/ p.a||Min. 2,00,000/ p.a||Min. 2,00,000/ p.a|
|Loan Tenure||Max. 20 Years||Max. 20 Years||Max. 20 Years|
|Maximum Loan Amount||Max. 5 Crore||Max. 25 Crore||Max. 25 Crore|
|Employment/Business Continuity||Min. 3 Years||Min. 3 Years||Min. 3 Years|
|CIBIL Score||Min. 700+||Min. 600+||Min. 600+|
1) ID and pan card copy
2) Address proof
3) 6 months bank statement from salary account
4) form 16
5) 3 months salary slip
6) Passport size photo
1) Income tax returns for last 2 years.
2) Profit & Loss Account along with computation of Income and Balance Sheet for last 2 years, duly certified by a CA.
3) Proof of business continuity for last 3 years.
4) Copy of bank statement (main account) for last 6 months.
5) Short note on the nature of business, form of organisation, clients and suppliers, etc.
6) Photo Identity.
7) Proof of signature.
8) Proof of Residence.
9) Proof of age
|Fee||Amount to be Paid|
|Rate of Interest||8.10% To 11.50%|
|Loan Processing Charges||10000/ + Service Tax|
|Cheque Bounce Charges||NA|
|Cheque/ Instrument Swap charges||NA|
|Prepayment/ Foreclosure Charges||NA|
|Default Interest Rate||NA|
|Duplicate Statement Issuance Charges||NA|
|Duplicate Amortization Schedule Charges||NA|
|Duplicate Interest Certificate||NA|
|S(Provisional/ Actual) issuance Charges||NA|
There are many obstacles, which are affecting you in getting close to your dream home. Loanmoney try to give answers to all questions related to IDFC Home Loans, and make this home loan process simple for you. Follow a few simple steps to help Loanmoney team understand your requirements.
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