ICIC Home Loan Online 2025: Domestic & International Buyers
ICIC Home Loan Online 2025 is one of the most flexible and customer-friendly loan schemes in India and abroad. Whether you are living in India or an expat based in the US, UK, or the Middle East, ICIC provides customized housing loan solutions. The bank is recognized for its strong digital presence, making the loan application process smooth, quick, and transparent.
Why Choose ICIC Home Loan?
- Attractive interest rates starting from 8.25% per annum.
- Global reach – support for buyers in USA, UK, UAE, and Singapore.
- 100% online application with minimal documentation.
- Eligibility for both salaried and self-employed individuals.
- Flexible repayment tenure of up to 30 years.
ICIC Home Loan Eligibility 2025
- Age: 21–65 years.
- Minimum monthly income: ₹30,000 in India or equivalent abroad.
- NRIs need valid passport, visa, and overseas bank statements.
- Property must have clear title and legal approval.
- Joint loans available with spouse or close relatives.
Top 10 ICIC Home Loan Schemes 2025
1. ICIC Regular Home Loan
Standard home loan for salaried/self-employed.
Eligibility: Indians & NRIs.
2. ICIC NRI Home Loan
Specially designed for expats.
Eligibility: Indian passport holders abroad.
3. ICIC Affordable Housing Loan
Low-income housing projects support.
Eligibility: Global applicants.
4. ICIC Top-Up Home Loan
Extra funds for renovation or expansion.
Eligibility: Existing borrowers.
5. ICIC Green Home Loan
Financing for eco-certified homes.
Eligibility: Buyers of sustainable projects.
6. ICIC Balance Transfer Loan
Shift existing loan to lower interest.
Eligibility: Borrowers from other banks.
7. ICIC Realty Loan
For purchasing land and constructing.
Eligibility: Indian & NRI customers.
8. ICIC MaxGain Loan
Overdraft-linked home financing.
Eligibility: Salaried & business owners.
9. ICIC Privilege Home Loan
For government and PSU employees.
Eligibility: Central/State staff.
10. ICIC Global Property Loan
Buy property abroad with ICIC funding.
Eligibility: NRIs & international buyers.
Benefits of ICIC Home Loan Online
- Instant approval through digital KYC and verification.
- Lowest processing fees compared to competitors.
- Dedicated NRI desks for international applicants.
- Flexible EMI and repayment structures.
- Loan amount up to ₹10 crores depending on eligibility.
Steps to Apply Online for ICIC Home Loan
- Visit ICIC official website or mobile app.
- Fill in loan application form with personal and income details.
- Upload scanned documents online.
- Track application through digital portal.
- Loan sanction and disbursement after property verification.
Frequently Asked Questions (FAQs)
Q1. Can I apply for ICIC Home Loan abroad?
Yes, ICIC allows NRIs and expats to apply online from any country.
Q2. What is the minimum down payment required?
Generally 20% of property value is required as down payment.
Q3. Does ICIC offer balance transfer?
Yes, you can transfer your existing home loan to ICIC at lower rates.
Q4. Is there a tax benefit?
Yes, borrowers can claim tax deductions under Section 24 and 80C in India.
Q5. What is the maximum tenure available?
Tenure can go up to 30 years for eligible applicants.