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Home Loan in Kolkata
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Home Loan in Kolkata
The real estate market in Kolkata is growing rapidly and for this reason banks are offering special discounts and offers to those who are looking for own a house. Rather than investment, most of the people in Kolkata buy house for their own purpose. Some of the big projects, banks offering loan, interest rates and other details are mentioned below.
Best Home Loan Offers in Kolkata – Oct 2016
| Project Name | Builder Name | Price |
| New Launch | Victoria Consultants Pvt Ltd | 59.63 Lac |
| Vishwanath Tower | Shree Triveni Construction | 20.16 Lac |
| Vedic Greentech City | Vedic Realty Ltd | 20.15 Lac |
| Kantha Valley | Prithika Enterprise | 7.2 Lac |
| PS Srijan Ozone | P S Srijan Height Developers | 86.78 Lac |
| Green Heights | Loharuka Group | 56.6 Lac |
| Primarc Sukriti | Primarc Sunniva Projects LLP | 25.42 Lac |
| Parnasree Green | SKDJ Dream Home | 68.76 Lac |
| Star Greens | Kaberi Construction | 27.93 Lac |
| Gangotri Identity | Gangotri Group | 74.8 Lac |
| Kamala Village | Salute Construction | 45.45 Lac |
| Padmalaya Kolkata | Padmalaya Projects Pvt ltd | 72.85 Lac |
| Urban Sabujayan | Bengal Abasan Builder | 47.43 Lac |
| Meena Sunrise | GPS Group | 42.79 Lac |
| Rishi Ecoview | Rishi | 70.23 Lac |
| Eden Belvedere | Eden Group | 25.02 Lac |
How Finance Buddha can help you get a Home Loan in Kolkata?
If you are looking to own a property in Kolkata through a home loan, then it’s time to explore Finance Buddha. This is a one-stop-solution for all loan requirements. Finance Buddha is liked and well accepted by customers as all facilities are offered for free of cost and there is solution for almost everyone’s loan requirements. Apart from that, they are very quick and responsive to all queries.
Home Loan Eligibility Criteria in Kolkata
The below list will help you to get the details of basic eligibility for applying for a home loan. Unless the applicant meets these criteria, he/ she will not be eligible for a home loan.
✓ Minimum Age: 18 years as on the date of sanction
✓ Maximum Age: 70 years. i.e. the age by which the loan should be fully repaid, subject to availability of sufficient, regular and continuous source of income for servicing the loan repayment.
✓ Minimum Income: Should be Rs.8000 per month.
| Interest Rates for Men | 9.3% - 15.5% |
| Interest Rate for Women | 9.25%- 14.5 % |
| Processing Fee | 0 % - 0.34% |
| Repayment | 30 Years |
| Loan Amount | Upto 80% of Property |
| Foreclosure Charges | Nil to 4% of outstanding amount |
| Monthly Income | 10000 |
| Lowest EMI/Lakh | Rs.823 - 827 |
Home Loan Documents Required in Kolkata
Some of the common documents to be furnished at the time of home loan application are listed below.
- Completed Home loan application
- 3 passport size photographs (including those affixed in loan application)
- Proof of identification: Electoral ID Card / Passport / Driving License / PAN card.
- Proof of residence: Electoral ID Card / Passport / Electricity Bill / Telephone Bill.
- Proof business address, in case of non- salaried borrowers
- Statement of bank account for the last six months
- Signature identification from present bankers
- Personal Assets and Liabilities Statements in Bank’s standard format.
- Brief write up of securities charged in respect of other loans availed from our Bank/other
- Banks/ Auto & Housing Loan Companies /other sources.
Home Loan Interest Rates, Fees & Charges in Kolkata
The rate of interest, charges and fees vary from bank to bank. The list of these details is given below for applying a personal loan in Kolkata. The rates and fees on a generic note at this city are:
| Bank | Interest Rates | Processing Fees | Prepayment Charges |
| Axis Bank Home Loan Interest Rates | 10.15% p.a. to 12% p.a. | Salaried 10000 + 12.36% (Service Tax)/ Self Employed 0.5% + 12.36% (Service Tax) | NIL |
| State Bank Of India Home Loan Interest Rates | 10.75% p.a. | Rs. 5000 to Rs. 10000 + 12.36% (Service Tax) | NIL |
| ICICI Bank Home Loan Interest Rates | 10.5% p.a. to 11% p.a. | .05% to 1 % + 12.36% (Service Tax) | NIL |
| HDFC Ltd Home Loan Interest Rates | 10.5% p.a. to 11.50% p.a. | 0.05% or Upto Rs. 10000 + 12.36% (Service Tax). w.e.l | NIL |
| LIC Housing Home Loan Interest Rates | 10.5% p.a. to 13% p.a. | Rs. 10000 to Rs. 20000 + 12.36% (Service Tax) w.e.l | NIL |
| IndusInd Home Loan Interest Rates | 10.5% p.a. to 11.50% p.a. | 0.05% or Upto Rs. 10000 + 12.36% (Service Tax). w.e.l | NIL |