Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai, Maharashtra, India. In February 2003, Reserve Bank of India issued the license to Kotak Mahindra Finance Ltd., the group's flagship company, to carry on banking business.
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|Age||18 To 60 Years||18 To 65 Years||18 To 65 Years|
|Loan Amount||Upto 10 Crore||Upto 25 Crore||Upto 25 Crore|
|Tenure||5 To 30 Years||5 To 30 Years||5 To 30 Years|
|Rate of Interest / APR [Annual Percentage Rate]||8.65% To 9.25%||8.65% To 9.25%||8.65% To 9.25%|
|Features||Loan up to 75% to 80% of the property cost||Loan up to 75% to 80% of the property cost||Loan up to 75% to 80% of the property cost|
|Processing Fees||Upto 0.25% + Service Tax||Upto 0.25% + Service Tax||Upto 0.25% + Service Tax|
|Documentation||KYC/Financial(2 Years) & Property Documents.||KYC/Financial(2 Years) & Property Documents.||KYC/Financial(2 Years) & Property Documents.|
Home Loan Eligibility Criteria for an Individual
|Age(Min-Max)||18 To 60 Years||18 To 65 Years||18 To 65 Years|
|Minimum Income||Min. 2,40,000/ p.a||Min. 2,40,000/ p.a||Min. 2,40,000/ p.a|
|Co-applicant||Min. Age 18 Years||Min. Age 18 Years||Min. Age 18 Years|
|Loan Tenure||5 To 30 Years||5 To 30 Years||5 To 30 Years|
|Maximum Loan Amount||Upto 10 Crore||Upto 25 Crore||Upto 25 Crore|
|Employment/Business Continuity||Min. 1 Years||Min. 3 Years||Min. 3 Years|
|CIBIL Score||Min. 700+||Min. 600+||Min. 600+|
|Fee||Amount to be Paid|
|Rate of Interest||8.60 % To 9%|
|Loan Processing Charges||Upto 0.25% + 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|
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We understand how special it feels to place the first step into your own new home. It’s exactly why Kotak Mahindra Bank provides you with a bouquet of customised home loan plans to choose from, for a seamless and pleasurable home-buying experience
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