How to take IDFC Home Loan?, Interest rate

IDFC Home Loan IDFC Home Loan In this article we will tell you IDFC Home loan will provide information about If you are thinking of building a house and you are short of money, then you can go to IDFC Bank. Home Loan can join with home loan One secured loan comes under the category of Our home is a little piece of heaven. It is the wish of every person that he also has his own pucca house.

But we are short of money to build a house. If you are also thinking of building a house and you are short of money, then you can take advantage of IDFC First Bank Loan. In this article we will know what is IDFC home loan, what is the interest rate of this home loan, how can we apply for this loan etc. For this you are requested to read this article till the end.

Also read: SBI Home Loan

IDFC Home loan

Anyone can take a home loan to build a house, buy a house or renovate a house. To take a home loan, you have to apply in it, which you can do online or offline. IDFC Bank Offers you a home loan at an attractive interest rate. The interest rate of IDFC’s home loan starts from 7.50% per annum. The loan amount given under the home loan is based on your CIBIL ScoreDepends on factors like your income, age.

If your CIBIL Score is high and your income is also very good then you can take home loan up to higher loan amount. Pradhan Mantri Awas Yojana Under this you can get subsidy on home loan. You can take IDFC Bank Home Loan for a tenure of up to 30 years.

If you are an existing customer of the bank, then you can get a home loan in very less documents and at a lower interest rate. If you just want to renovate your home then you can do it IDFC Bank Personal Loan You can also do it by joining. But the interest rate of personal loan can be higher than that of home loan.

Also read: HDFC Home Loan

Highlights of IDFC First Bank Home Loan

loan name	IDFC Bank Home Loan 2022
name of the lending bank	IDFC Bank
Rate of interest	Starting from 7.50% p.a.
Age Range	21 to 70 years
Processing Fees	Up to 3% of the loan amount
Loan Tenure	30 years
Application Mode	online / offline
official website	https://www.idfcfirstbank.com/

Also read: Bank of Baroda Home Loan

IDFC Home Loan Interest Rate 2022

IDFC Home Loan interest rate starts from 7.50% p.a. Before taking a home loan from any bank, it is very important to keep in mind that how much interest you will have to pay on that loan. Therefore, before taking a home loan, get information about the interest rate on the home loan in advance. The way we should before taking a personal loan Personal Loan Interest Rate 2022 Similarly, before taking a home loan, we need to know about Home Loan Interest Rate 2022 It is very important to have information about

The interest rate plays an important role when you calculate your loan EMI using Home Loan EMI Calculator. If your home loan interest rate is low, then your EMI will also be low. If you are an existing customer of IDFC First Bank, then you can take advantage of the attractive interest rates of the bank.

Also read: Navi Home Loan

IDFC Home Loan Benefits and Features

• Any Salaried Person (Salaried Person) and Self Employed (Self Employed) person can apply for this home loan.
• You can take a home loan from this bank on floating type of interest or fixed rate of interest.
• IDFC Home loan You can pre-pay and you do not have to pay any kind of fee on this payment.
• You can take home loan up to Rs 10 crore from IDFC Bank.
• The amount disbursed under IDFC First Bank Loan depends on factors like your CIBIL score, age, your income. Agra If your credit score is high and your income is also high then you can get home loan up to higher loan amount.
• With IDFC Bank, you can get lower interest rate, lower processing fee and fewer documents. IDFC Bank Home loan can take
• You do not have to pay any hidden costs and administrative charges on IDFC Bank Home Loan.
• This bank also provides you the facility of home loan balance transfer.
• You can apply for this home loan offline or online by visiting the official website of IDFC First Bank.
• IDFC Home Loan interest rate starts from 7.50% p.a.
• On this home loan, you have to pay a processing fee of up to 3% of the loan amount.
• You can take IDFC Home Loan for a tenure of up to 30 years.

Also read: home loan for women

IDFC Home loan Eligibility

Now let’s talk about what eligibility you have to fulfill for IDFC Bank Home Loan friends. If you fulfill all the conditions of the bank then you can get the loan in a very short time. Any Salaried Person (Salaried Person) and Self Employed (Self Employed) person can apply for this home loan. The eligibility for salaried person and self-employed person is as follows:

For Salaried Persons:

• Both resident and non-resident of India can apply.
• Applicant’s age should be 21-60 years.
• Applicant should have minimum 3 years experience.
• The annual income of the applicant should be at least Rs 1 lakh.
• Tenure Duration 12 Months – 360 Months |

For Self Employed Individuals:

• Only resident of India can apply.
• Applicant’s age should be 23-70 years.
• Applicant should be doing business for minimum 4 years.
• The annual income of the applicant should be at least 1.5 lakh rupees.
• Tenure Duration 12 Months – 300 Months |

Also read: City Union Bank Home loan

IDFC Bank Home loan Documents required

Before applying for a home loan, you must do all the documents together. So that whenever the bank asks for documents from you, you can give these documents to them immediately. You need the following documents to apply:

• Photo Identity Proof (self-attested copy of any one document)
  • Passport / Voter ID Card / Driving License / Aadhar Card / NREGA Job Card / National Population Register containing details of name and address.
• valid address proof
  • Passport / Voter ID Card / Driving License / Aadhar Card / NREGA Job Card / National Population Register containing details of name and address.
• valid income proof
  • Salaried: Salary slip of last 2 months / Latest ITR or Form 16 / Bank statement of last 6 months
  • Self-employed: Latest ITR/Balance Sheet or P&L Statement/GST Return/Bank Statement or CC Statement of last 6 months etc.
• property proof
  • Draft sale deed and photocopies of series title documents (if any)
  • allotment/possession letter
  • No Objection Certificate from Society and other documents as per legal report
• Professional proof (self-attested copy of any one document)
  • Shop establishment certificate (1st priority).
  • Business/Professional License (Sales Tax Number, Code of Importer/Exporter) GST Return

Also read: Deutsche Bank Home Loan

How to apply IDFC Home Loan?

If you have read this article completely then you must have come to know that friends whether you are eligible for this home loan or not. If you are eligible for this loan then you can apply for this home loan both online and offline. Information about both the process of applying is given here.

IDFC Home loan Apply Online

• To apply online, first you have to visit the official website of the bank idfcfirstbank.com But have to come

• On the home page of the website, you will get the option of Loans. Home Loan An option will appear, click on it.
• On the next page, all the information related to home loan will come in front of you.
• On this page you will see the option of Apply Now, click on it.
• A box will open in front of you, you have to verify your mobile number by entering the mobile number.
• Then you have to give your personal details.
• After submitting the form, the bank will contact you and verify your documents.
• After that the loan process will be taken forward. If you fulfill all the conditions then your loan will be approved in some time and the loan amount will be transferred to your bank account.

Also read: Indian Bank Home Loan

How to apply offline?

If you do not want to apply online then you can also apply offline. To apply offline, follow the steps given below:

• First of all you have to go to your nearest IDFC First Bank branch.
• By going to the bank, you have to tell the bank official that you want to apply for home loan.
• The bank official will provide you all the information related to the home loan.
• After that, on the basis of your documents on your income, you will be given information about how much loan amount you are eligible.
• If you fulfill all the conditions then the loan process will be taken forward.

Also read: IOB Home loan

IDFC Bank Home Loan Fees & Charges

Before applying for home loan of any bank, you should know what Fees & Charges you will have to pay on this loan and how much you will have to pay. Here is the information about Home Loan Fees & Charges taken on IDFC Bank Home Loan:

processing fee	3% of loan amount
EMI bounce charges	₹400
repayment instrument swap fee	₹500
Copies of documents fee	₹500
Duplicate list of documents	₹500
Duplicate No Objection Certificate / Due Certificate	₹500
Other statutory/mortgage construction charges eg. Stamp Duty, MOD, MoE etc.	on the real
MCLR to EBR type	0.5% of the outstanding principal
loan rescheduling fee	₹300
physical repayment schedule	₹500
physical statement of account	₹500
document retrieval fee	₹500
EMI pick-up/collection charges	₹350
Cancellation and Rebooking Fees	1% of loan amount + interest from the date of disbursement till receipt of cancellation request

Also read: Shriram Finance Home Loan

IDFC Bank Home loan calculator

Before applying for a home loan, you should calculate the EMI of your loan. By which you will be able to know how much money you will have to pay while paying off the loan. There are three things you need to enter while calculating EMI, loan amount, interest rate and loan tenure.

You can go to the official website of IDFC First Bank Home Loan EMI Calculator You can calculate the EMI of your loan by using You can find out the cheapest home loan by comparing the EMIs of various home loans.

Also read: Reliance Home Loan

IDFC Home Loan Customer Care

Complete information about IDFC Home Loan is given in this article. You can apply for home loan by reading this article. But if you are facing any kind of problem while applying for home loan then you can talk to IDFC Home Loan Customer Care. Given below are IDFC home loan customer care numbers:

• CASA, Deposits and other accounts – 1800 419 4332
• Loans – 1860 500 9900
• Rural Banking – 1800 419 8332
• NRI Number (Only for CASA, Deposit account holders) – 022 6248 5152
• Credit Card – 1860 500 1111

Also read: GIC Home loan

Conclusion

Any person for construction of house, for renovation of house or for purchase of house IDFC Home loan in Hindi 2022 can take You can apply for IDFC Bank Home Loan both online and offline. If you are facing any problem in applying then you can contact the helpline number of the bank.

Hope friends you have found this article informative. If you liked this article then please share it with your friends.

Also read: Indiabulls Home loan

IDFC Home Loan Questions: