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Kotak Mahindra Bank Home Loan

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.

Get closer to your dream home by choosing from amongst our home loan plans tailored to suit your requirements. Now *zero processing fee on the online application. 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 customized home loan plans to choose from, for a seamless and pleasurable home-buying experience.

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 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
Special NA NA NA
Documentation KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.
Eligibility

Home Loan Eligibility Criteria for an Individual
 

  • Age
    • Salaried between 18 and 60 years old
    • Self Employed between 18 and 65 years old
  • Gross Income of Resident Indian Individual:
    • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum income should be Rs.20,000/month.
    • (Other cities) - Minimum income should be Rs.15,000/month.
  • Minimum Qualification: 
    • Graduate when applicant is employed with a private limited company or partnership firm. If applicant is employed with Public limited company or MNC or Government or Public Sector Company then there is no such criteria.
  • Home Loan Eligibility Criteria for a Partnership Firm / LLP/Indian Company
    • Age
      • Self Employed between 18 and 65 years old
    • Minimum Qualification: 
      • Graduate when applicant is employed with a private limited company or partnership firm. If applicant is employed with Public limited company or MNC or Government or Public Sector Company then there is no such criteria.
    • Should be in existence for at least 3 years.
    • Gross Income of Partnership firm/ LLP/ Indian Company:
      • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum net income should be Rs.2,40,000/- p.a.
      • (Other cities) – Minimum net income should be Rs.1,80,000/- p.a
  • Home Loan Eligibility Criteria for a Hindu Undivided Family (HUF)
     
    • Karta of HUF must be applicant / co applicant.
    • Should be in existence for at least 3 years
    • IT returns of HUF for 3 years should be obtained.
    • Net Income of a Hindu Undivided Family:
      • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum income should be Rs.2,40,000/-p.a.
      • (Other cities) – Minimum income should be Rs.1,80,000/- p.a.
  • Home Loan Eligibility Criteria for a Partnership Firm / LLP/Indian Company
    • AgeSelf Employed between 18 and 65 years old
    • Minimum Qualification: 
      • Graduate when applicant is employed with a private limited company or partnership firm. If applicant is employed with Public limited company or MNC or Government or Public Sector Company then there is no such criteria.
    • Should be in existence for at least 3 years.
    • Gross Income of Partnership firm/ LLP/ Indian Company:
      • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum net income should be Rs.2,40,000/- p.a.
      • (Other cities) – Minimum net income should be Rs.1,80,000/- p.a
  • Home Loan Eligibility Criteria for a Hindu Undivided Family (HUF)
     
    • Karta of HUF must be applicant / co applicant.
    • Should be in existence for at least 3 years
    • IT returns of HUF for 3 years should be obtained.
    • Net Income of a Hindu Undivided Family:
      • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum income should be Rs.2,40,000/-p.a.
      • (Other cities) – Minimum income should be Rs.1,80,000/- p.a.
Particulars Salaried Self Employed Professional
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+
  • Home Loan Eligibility Criteria for an Individual
     
    • Age
      • Salaried between 18 and 60 years old
      • Self Employed between 18 and 65 years old
    • Gross Income of Resident Indian Individual:
      • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum income should be Rs.20,000/month.
      • (Other cities) - Minimum income should be Rs.15,000/month.
    • Minimum Qualification: 
      • Graduate when applicant is employed with a private limited company or partnership firm. If applicant is employed with Public limited company or MNC or Government or Public Sector Company then there is no such criteria.
         
  • Home Loan Eligibility Criteria for a Partnership Firm / LLP/Indian Company
     
    • Should be in existence for at least 3 years.
    • Gross Income of Partnership firm/ LLP/ Indian Company:
      • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum net income should be Rs.2,40,000/- p.a.
      • (Other cities) – Minimum net income should be Rs.1,80,000/- p.a
  • Home Loan Eligibility Criteria for a Hindu Undivided Family (HUF)
     
    • Karta of HUF must be applicant / co applicant.
    • Should be in existence for at least 3 years
    • IT returns of HUF for 3 years should be obtained.
    • Net Income of a Hindu Undivided Family:
      • (Delhi, Mumbai, Bangalore, Pune & Chennai) - Minimum income should be Rs.2,40,000/-p.a.
      • (Other cities) – Minimum income should be Rs.1,80,000/- p.a.
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

Feature of Kotak Mahindra Bank

  • Search a home: Find the perfect home you’ve always dreamed of, from our curated properties.
  • Calculate EMI: Find out how much your home loan instalment might be, using our EMI calculator.
  • Talk to an advisor: Get in touch with our Home Loan Expert to get your queries answered.
  • Apply Now: Take the next step in your home buying journey

Advantage of Kotak Mahindra Bank

Zero Processing Fee: Save on processing fees on your online application for home loan.
Doorsteo Service: No More running around to get your home loan processed.
Documentation made easy: Let home loan documentation not give you any more headaches.
Home Loan Insurance: Insurance options to cover your home loans, at attractive premium.
Attractive Rates: Competitive interest rate to make home loans affordable.
Quick Processing: Because we understand how eager you are to get your home loan quickley.

Benefits of Koatk Mahindra Bank

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

Advantage of Kotak Mahindra Bank

  • Zero Processing Fee
  • Doorsteo Service
  • Documentation made easy
  • Home Loan Insurance
  • Attractive Rates
  • Quick Processing
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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