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IDFC Bank Home Loan

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.

  Salaried Self Employed Professional
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] 9.50% To 11.55% 9.50% To 11.55% 9.50% To 11.55%
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
Special NA NA NA
Documentation KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.
Eligibility

If you are Salaried

  • Purchasing ready property/balance transfer of running loan on ready or under-construction property
  • Flexible repayment tenures up to 30 years. You choose
  • Repayment up to 60 years or retirement age
  • Indian Resident
  • 23 years & above
  • Min. 3 years of work experience

 

If you are Self-Employed

  • Purchasing ready property/balance transfer of running loan on ready or under-construction property
  • Flexible repayment tenures up to 25 years. You choose
  • Repayment up to 70 years
  • Indian Resident
  • Min age 23 years
  • Min. 3 years of work experience

If you are Self-Professional

  • Purchasing ready property/balance transfer of running loan on ready or under-construction property
  • Flexible repayment tenures up to 25 years. You choose
  • Repayment up to 70 years
  • Indian Resident
  • Min age 23 years
  • Min. 3 years of work experience
Particulars Salaried Self Employed 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
Co-applicant NA NA NA
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+

Salaried

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

Self Employed

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 9.50% 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

Features of IDFC First Bank

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.

Advantages of IDFC First Bank Product

  • Attractive Interest Rates.
  • Tenure can range up to 20 years for Housing Loan. 
  • Easy Monthly repayment mode.
  • Loans to salaried and self employed.
  • For purchase of house, residential plot & construction.
  • Insurance Option available for your house loan.
  • Speedy Loan Approvals

Benefits of IDFC First Home Loan

  • Loan amount up to Rs.10 Crores
  • Loans up to 85% of the property value
  • Repay only Interest during the under-construction period
  • Increase loan eligibility by adding the income of your family members
  • Insure yourself, as simply as the loan. Get mortgage credit shield at special rates
  • Competitive Rates: Our rates are super competitive! Try us!

Unique Propositions

  • Digital Document set in pen drive
  • Combined Statement for all your accounts with us along with savings wherever applicable
  • Customer engagement program throughout the loan tenure
  • Seamless experience on Net banking & options to download your statements.
  • One of its kind online tools to help you with eligibility and service your loan better
  • 24x7 availability of Banker on call. No IVRs when you call our Banker on Call
segmentation

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.


  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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