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ICICI Bank Home Loan Interest Rates 2025 - SuGanta

Planning to buy your dream home? With annual interest rates as low as 8.75%, ICICI Bank provides versatile and reasonably priced home loan choices. ICICI has options for all types of people, including salaried workers, independent contractors, non-resident Indians, and women seeking house loans.
With SuGanta, you can easily apply online, compare the best rates, and verify your eligibility in one location.

Why Choose an ICICI Home Loan?

Here’s what makes ICICI Bank home loans a smart choice for 2025:

  • Interest rates starting from 8.75% p.a.
  • Loan amounts up to ₹5 crore
  • Repayment tenure of up to 30 years
  • Exclusive benefits for women and NRI applicants
  • Quick and 100% online application through SuGanta

    • ICICI Home Loan Schemes You Can Choose From

    • 1. Regular Home Loan: Ideal for first-time buyers — purchase or construct your home with ease.
    • 2. Step-Up Loan Designed for young salaried individuals. Pay lower EMIs in the early years and gradually increase as your income grows.
    • 3. Top-Up LoanNeed extra funds on top of your current loan? ICICI’s Top-Up Loan helps cover everything from renovations to emergencies.
    • 4. Balance Transfer: Have a house loan elsewhere already? Switch to ICICI Bank to take advantage of lower EMIs and better interest rates.
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    Interest Rates Based on Borrower Type

    Borrower Type Starting Interest Rate (p.a.) (2025) Details
    Salaried Individuals 8.75% Competitive rates for salaried professionals, ensuring affordable EMIs.
    Self-Employed Individuals 9.00% Tailored rates for self-employed applicants, designed to suit diverse financial profiles.
    Women Applicants 8.65% Special discounted rates for women borrowers, encouraging homeownership.
    NRIs 8.75% Competitive rates for Non-Resident Indians, facilitating homeownership with flexible terms.

    Flexible Repayment & Tenure Options

    • Tenure: Up to 30 years
    • Repayment Modes:Monthly EMIs, Step-up EMIs
    • Moratorium: Available for under-construction properties
    • No Charges:For prepayment or foreclosure (floating rate)

    Benefits of Applying with SuGanta

    When you apply for an ICICI Home Loan via SuGanta, you get:

    • Free EMI Calculator to estimate your monthly payments
    • Instant eligibility check
    • End-to-end document support
    • Easy balance transfer assistance
    • Personalized loan recommendations

    Pro Tips to Get Better Rates

    • Maintain a CIBIL score above 750
    • Opt for a shorter tenure
    • Eligibility Check: Quick assessment of your loan eligibility.
    • Apply with a co-applicant to increase eligibility
    • Regularly check for ICICI home loan offers

    Apply online for a house loan from ICICI Bank.

    Skip the paperwork. Save time. Get expert help.

    Click below to compare, choose, and apply online for your ICICI home loan with SuGanta.

 

Frequently Asked Questions

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Yes ICICI offers better rates to borrowers with high CIBIL scores.
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Yes, Indeed, It typically ranges from 0.25 to 1 percent of the total loan amount.
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Absolutely. NRIs can apply with competitive terms via SuGanta.
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Yes. For floating-rate loans, ICICI Bank charges no prepayment penalty.