Dream is always dream but we can fulfill it through our positive attitude. Buying a home is a big dream but it is also a source of anxiety and frustration. Before purchasing a house property, we have to wait because home purchasing is a big-ticket investment. With the zooming property rates, it is difficult to buy a home. Almost all of us have to avail a home loan.

Owning a house is treated as a twofold investment since it permits you to get benefited from the capital increase of the property and also save on the rent you would have paid on the rented property instead of staying in your own property. However, given the sky-rocketing prices especially in the metropolitan areas, one may not be able to buy a house sooner through own resources and would have to resort to a home loan instead. While home loan also allows us certain tax concessions, making this big decision still calls for more considerations to ponder over.

A home loan is a financing instrument to buy homes. Without the support called home loans, most of our dream of buying a home would have ever been a dream only. Once you choose a home to buy, we have to initiate the process of the home loan. It is a secured loan and contains a number of steps. Now a day, to avail home loan in India is easy but still home loan takes minimum of 15 days to get disbursed. The lender and the borrower both have to come across several steps to reach till the last step which is the disbursal of the loan.

Now coming to the main point, Let us talk about the new product offered by ICICI Bank:

1.    Instant Home Loan: The ‘Instant Home Loan’ service enables pre-approved salaried customers of the Bank to avail final sanction letter digitally and instantly for loans up to ₹1 crore for a tenure of up to 30 years (based on the age of the customer) using internet banking facility.

Steps for instant home loan approval:
a.      Log in to retail internet banking > click on ‘My accounts’ > Loans > click on instant sanction - home loan.
b.       Select the amount and tenure required > pay processing fee as displayed.
c.        Download or get sanction letter on email id.
(At this stage, borrowers can also check their PMAY eligibility on this page by filling a few details)
To know more on ‘Instant Home Loans, visit : http://bit.ly/ICICIInstantHomeLoan

2.  Insta Top Up Loan: The ‘Insta Top Up Loan’ initiative would enable existing home loan customers of the Bank to avail the facility of topping up their loan immediately up to ₹20 lakh for a tenure up to 10 years, in a completely digital and paperless manner.

Steps for instant top up home loan:
a.           Log in to retail internet banking > exclusive offerings > view offer on apply online.
b.       Choose loan amount and tenure. Customer will get an OTP on registered mobile number.
c.            Enter OTP and click on ‘Disburse now’.
d.           Loan is credited to account instantly

To know more on ‘Insta Top Up Loan’, visit : http://bit.ly/ICICIInstantHomeLoan

According to my analysis, Why to choose ICICI Bank Home Loans…??

Reasons are as follows:

·         Special processing fee offer.
·         Facility of pre-approval of the home loan without having selected a property.
·         Flexible repayment options according to your need.
·         A wide range of loan product to choose according to the need of the customer.
·         Great customer support throughout the loan processing.
·         Facility of pre-approval of the home loan without having selected a property.
·         Loan tenure as long as 30 years.
·         The easy, faster and online home loan process.

Bottom line:

ICICI Bank is one of the biggest names in the home loan service provider category in India and loan from this lender is much easy to avail. A loan applicant is certain to get the best service from the lender by its newly launched services also.


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