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State Bank Of India Home Loan Details

SBI Home Loan

State Bank of India (SBI) is the oldest commercial multinational bank of the Indian sub-continent and this is the reason that for many people it is the most reliable bank. Availing a home loan from SBI means that you are getting your house money financed through the most trusted public bank of India. The bank has special features to offer to everyone, with customized products.

Features of SBI Home Loan

  • An extensive network of branches PAN India
  • Low processing fees
  • Use your extra funds to prepay the loan without extra cost
  • Transparent pricing
  • No administrative charges
  • Affordable Interest
  • Customer friendly products
  • Swift actions
  • Instantly check your eligibility
  • Apply loan online

Benefits of SBI Home Loan

  • The processing fees are same as that of a personal loan.
  • Various types of loans tailored to everyone's needs.
  • Interest on daily reducing balance.
  • Network of more than 13000 branches plus 5 associate banks.
  • Combine your income and your close relative's to get loan easily.
  • Doorstep service.
  • Quick disbursal.
  • India's most trusted bank

Home Loan Balance Transfer to SBI – Takeover of Home Loans

Banks often introduce new policies with lucrative rates of interests for its new customers. This sometimes makes the existing customers feel left out where they think they are paying the extra higher amount. Thus, the need for the takeover of home loan arises. This is nothing but a feature to shift your home loan from one bank to another. With lucrative interest rates of SBI Home loans, you can now transfer your home loans to SBI too. In this, the pre-payment penalty is funded.

Benefits

  • Lower rate of interests
  • Extended tenure to repay loan
  • Get extra loan for extension, improvement, renovation of house
  • Takeover of Home Loan with Top up loan allowed

From where can you transfer the loan?

  • Private and Foreign Banks
  • Scheduled Commercial Banks (SCBs)
  • Borrowers from Central/State Govts. or their undertakings or the Public Sector Undertakings
  • Housing Finance Companies (HFCs) registered under National Housing Bank (NHB)

SBI Home Loan for Women - Her Ghar

The State bank of India realizes the need for women empowerment. They believe that it is not just a man can buy a land or a property, but also a woman who can do the same. And so, at SBI, women are valued. The bank has a home loan scheme specially designed for women and their convenience.
The scheme is called 'Her Ghar' which aptly justifies its purpose.

Features and Benefits of SBI Her Ghar Home Loan

  • The loan is specially designed for women
  • The concessional interest rate is 9.40% (EMI INR 834/ INR 100,000 for a period of 30 years)
  • Easy repayment options: Loan can be extended to 30 years
  • Doorstep facility
  • Easy documentation
  • Joint women owners can also apply as first applicants
  • Loan can be used to buy a second-hand property as well

Security

An equitable mortgage property will be the security.

Loan Value Margin

Loan Value

Margin

Up to INR 2 million

10%

INR 2 million to INR 7.5 million

20%

Above INR 7.5 million

25%

SBI Loan for Earnest Money Deposit Scheme

You would have often seen advertisements of government agencies like as Urban Development Authorities and Housing Boards, where they offer affordable housing to individuals. This is like a lucky draw in which the selected winners get a house. If you are lucky enough then you can get your name on the list. For this, you will have to pay roughly 10-20% of the amount of the property as Earnest Money Deposit (EMD). To finance this amount of Earnest Money Deposit (EMD), SBI has come up with this loan scheme which is called Loan for Earnest Money Deposit Scheme.

Features and Benefits

  • The government approved housing projects are funded
  • Margin is waived in all the cases
  • There is no criterion for minimum income of the applicant
  • Minimum documentation to help the customers
  • Choice to return the loan amount by the proceeds of housing loan by the bank itself
  • No application fee is levied
  • No administrative charges are levied

Maximum Loan Amount

The loan amount will be given which is the least of the following options:

  • INR 100,000 as Earnest Money Deposit (EMD)
  • 90% of application cost
  • 10 times the Net Monthly Income of the applicant

These hold true only if the following points are met:

  1. A person can avail the loan basis only one application.
  2. Incomes of all the applicants will be considered if all have applied as co-applicants.
  3. Allotment papers should be forwarded by the SBI bank.

Security

Any third party guarantee would work which is trustable and good enough for the amount of loan waived.

Securities that are tangible in nature like NSCs/ IVPs/ TDRs/ LIC policy/ SBI Life policy, etc. which at least holds value of 50% of the loan availed. This is for permanent employees working in decent public and private organizations.

Disbursement

The loan will be disbursed by the issuance of a cheque or a draft by the bank in favour of the government housing agency which is concerned.

SBI Home Loan Tribal Plus Scheme

SBI believes that it is very important to take along every community and sect along to achieve the goal for development. So, the Tribal Plus Scheme was introduced by the bank to work for the welfare of people living in the hilly or tribal areas of North East India and areas coming in the vicinity of Chandigarh, Bhopal, Lucknow, Patna and Bhubaneswar. The loan is given to the individuals to buy homes or flats. Applicants can also buy old homes or flats not more than 10 years of age. The applicants can also apply for the loan if they want home extension, or improvement or renovation.

Features and Benefits

  • Lowest rates of interest on home loans.
  • Interest rate calculated on daily reducing basis and charged on monthly basis.
  • As compared to 1% to 3% processing fees charges of other banks, SBI gets your loan processed at only 1% processing fees.
  • No pre payment penalty is levied. So, if you want to pre pay your loan using the extra amount you have, you can do that and reduce your burden.
  • No hidden costs.
  • No administrative charges.
  • Full transparency.
  • Minimum documentation.
  • Easy and quick process.
  • No need of security land or things.
  • Eligibility can be enhanced by showing the income of the spouse who should be a permanent employee with Government / PSU / Private Sector unit. The unit must guarantee the person.
  • The maximum loan amount sanctioned is INR 500,000.
  • The loan is calculated by taking the monthly income and multiplying it by 24.

Loan Margin

The maximum loan margin is 25%.

Loan Disbursement

In case the house or flat is bought, the loan can be disbursed at one time. In case the construction of the loan is taking place, the loan might be disbursed in parts as the construction shows signs of progress.

Security

No security will be required. A guarantee will be sought as per bank's existing norms.

Repayment Schedule

  • The loan is to be paid over a period of 10 years maximum.
  • The loan to be paid through Equated monthly installments (EMIs)
  • The repayment period will include the construction period or 12 months from the disbursement of the first installment of the loan, the one that is first.

MOST IMPORTANT TERMS AND CONDITIONS FOR SBI HOME LOANS

Purpose of loan: The loan can be sanctioned if the applicant has applied for the purchase/improvement/construction/extension/renovation/repair/ of a property which is new/second-hand residential house/flat/plot of land or the purchase of
consumer durables/furnishings.

The premium: The premium of the home loan covered (optional) will be charged in the loan amount if availed by the customer.

Loan to value ratio: For loans below 2 million, the ratio is 90% maximum.
For loans more than 2 million, the ratio is 80% maximum.

The rate of interest: The interest can be regulated if there is change in the base rates and in that case, the bank can increase or decrease the EMI amount or can extend or reduce the loan tenure.

The change in rates: The revised rates of interests are shown on the notice boards of the bank branches or updated in the newspapers or in the passbook/statement of account. The customer is supposed to know this and pay the EMI as per the revised interest.

Unpaid EMIs: In that case, the bank holds the authority to levy a rate 2% higher than the normal rate in case of more than 30 days of non-payment of EMI or in case the cheque submitted is bounced. Also, a penalty of INR 250 will have to be submitted by the customer for depositing a cheque which bounced.

Loan duration: The maximum loan tenor is 30 years or age of the customer being 70 years, whichever comes earlier.

Security or collateral: If these are to be accepted by the bank, the security will be the land that is financed by the bank. Bank can also take the collateral in the form of Life Insurance policies, shares/ debenture, Government Promissory Notes, gold jewellery, etc.

Insurance: The loan must be insured against any untoward accident like fire, flood, earthquake, etc and the beneficiaries must be the bank and the borrower jointly.

Use of loan: The loan must be strictly used for the purpose that is mentioned in the application form by the customer and should be agreed upon by the bank and the borrower.

Inspection: The bank can inspect and detect the place against which the loan is incurred at the reasonable times. The visit will be made by a bank authorized officer or a befitting adult selected by the bank.

Defaulter: In case the loan is not paid by the due date, reminders will be sent to the customer. After this, a third party representative will be the jurisdiction who will have to follow the norms of the Indian Banks Association (IBA) on debt collection.

Why should you choose SBI Home Loan?

The foremost thing for the SBI Home loan is the trust towards the bank. The Brand Trust Report 2015 recognized as the SBI as the most trusted bank. This is because that it is a government managed bank and hence, safer than other banks in case of bankruptcy. The CASA ratio is among the bests among other banks, this means that rates of interests are lower. This is also because of the scale of operation. As per the home loan book value, the SBI is the largest home loan provider. The other banks follow the trends that are incorporated by the SBI. The NPAs of the bank are under controlled and this goes down to the fact that the bank performs a strict inspection before releasing the home loan. Therefore, there are chances that no legal issue will arise later. Also, since SBI is one of the oldest and most trusted banks, chances are that you or anyone of your family has a bank account in the SBI. This means that you might be in friendly relations with the staff and the manager where it can be easy to understand the processes of the loan.

How to apply for the SBI Home Loan?

You can easily apply for the SBI home loan by availing the facility through Finance Buddha. At Finance Buddha, you are working on a one stop destination to all your home loan queries. You can compare the loan eligibility, interest rate, documentation, security required, customer rating and reviews from all the prominent banks and frequently asked questions by other loan seekers like you and have your questions answered.

The eligibility calculator is easy to operate and requires very basic information to calculate your eligibility. What more? The attractive and comfortable user interface will prompt you to use the website more often and quickly. Also, the best part is that you can avoid the chances of going to the bank and getting your loan application rejected, which can affect your CIBIL score too. This can be done when you decide to check your eligibility through Finance Buddha. Also, you can directly apply through our website which cuts short your expenses of travelling to the bank and taking a day off from work. At Finance Buddha, we put the customers first. Make your loan experience pleasant and apply through our 100% safe and secure website. Don't worry, your details will not be disclosed to anyone and will be used just to check your eligibility.

SBI Home Loan Eligibility Criteria

The SBI Home Loans come with easy to meet eligibility criteria:
Minimum Age: 18 years when the loan is sanctioned.
Maximum Age: 70 years where the income over the years is assured.
Loan Amount: In most of the home loan plans, the maximum loan is not fixed. The amount of loan sanctioned depends on the following factors:

  1. Income of applicant
  2. Ability to repay
  3. Age of applicant
  4. Assets owned
  5. Any loans pending
  6. Cost of the home or property for which the loan is applied

To increase your eligibility chances, the following standards should be met:

  • Show income of your close family members like spouse/ son/ daughter living with you who have salary account maintained at SBI.
  • Continuous income for other sources.
  • Expected rent to be earned from the house or property against which loan is sought.

SBI Takeover of Home Loans - Eligibility Criteria

  • Same as criteria to avail a home loan
  • Valid documents for the flat/house or property
  • The borrower should have a good record of paying the interest and/or the installments.

SBI Her Ghar Home Loan - Eligibility Criteria

  1. The woman should be owner or co-owner of the property on which the loan is sought
  2. The applicant or first applicant (for joint account home loan) should be a woman
  3. She must be more than 18 years of age
  4. She must be a resident of India
  5. She should have a good CIBIL rating
  6. The age, income, LTV, amount and tenure of loan sought will also decide the loan eligibility
  7. Eligibility can be improved by adding the income of spouse or children whose salary accounts are with SBI
  8. If the property is to be rented, expected rent to be incurred can be shown

SBI Home Loan for Earnest Money Deposit Scheme - Eligibility Criteria

  1. The applicant must be at least 18 years of age.
  2. The applicant must have a steady source of income.

Eligibility Criteria for SBI Tribal Plus Scheme

  • The person must be a resident of India
    Minimum age: 21 years
    Maximum age: 60 years
  • The person must be a permanent employee of a private reputed firm or of Central or State Government or Public Sector undertakings (PSU)
  • Minimum service period for Class I employees should be 5 years
  • Minimum service period for employees belonging to other than class I is 10 years
  • The applicant must avail check-off facility
  • People from the regions mentioned above can avail the scheme. The applicants can avail the scheme even if they no more live at that place. In this case, the home or flat against which the scheme is availed should be at the native village.

SBI Home Loans Interest Rates, Fees & Charges (updated 23 Mar,2019)

Different Types of SBI Home loan Interest Rates:

Within SBI the different types of loans has helped many individuals to compare and pick the best type of loan that is affordable and suiting their requirements. Under these schemes there also loan that can be offered for Non-Residents of India. However, the minimum loan amount for this should be ₹ 300,000 or above.

With effect from 10th May, 2017 the revised rates are implied on the SBI Interest Rates as per the announcements.

SBI Bank Home loan

Details

Interest Rate

8.35% - 10.50% 

Lowest EMI

₹ 776 per ₹ 100,000

Max Tenure

30 years

Processing Fee

Up to 0.35%

Prepayment, Foreclosure Charges

Allowed with nil charges for floating rate loans

Age

 

Min 18 and Max 70 years for Salaried

Min 18 and Max 70 years for Self Employed

 

 1 year MCLR: 8% (with effect from 01.01.2017)

SBI Home Loan Special Interest Rates Valid up to 31.07.2017

I. 2 YEAR FIXED INTEREST HOME LOANS (Term Loan) – HAMARA GHAR:

  1. 2 year Fixed Interest Rate loans (Term Loans): For Salaried Borrowers (%):

 Borrower Category

Up to ₹ 3 million

Women*

35 bps above 1 year MCLR, ER: 8.35%

Others

40 bps above 1 year MCLR, ER: 8.40%

  1. 2 year Fixed Interest Rate loans (Term Loans): Non-Salaried Borrowers (%):

 Borrower Category

Up to ₹ 3 million

Women*

50 bps above 1 year MCLR, ER: 8.50%

Others

55 bps above 1 year MCLR, ER: 8.55%

II. FLOATING INTEREST RATE HOME LOANS (Term Loan) INCLUDING CRE HL:

  1. Floating Interest Rate Structure (Term Loans): For Salaried Borrowers (%):

 Borrower Category

Up to ₹ 3 million

Women*

35 bps above 1 year MCLR, ER: 8.35%

Others

40 bps above 1 year MCLR, ER: 8.40%

  1. Floating Interest Rate Structure (Term Loans): Non-Salaried Borrowers (%):

 Borrower Category

Up to ₹ 3 million

Women*

50 bps above 1 year MCLR, ER: 8.50%

Others

55 bps above 1 year MCLR, ER: 8.55%

 

SBI Home Loans: Card Rates

III. FLOATING INTEREST CARD RATE HOME LOANS (Term Loans) including CRE HL:

  1. Floating Interest Card Rate Structure (Term Loans): For Salaried Borrowers (%):

 Borrower Category

Up to ₹ 7.5 million

Above ₹ 7.5 million

RG-1, 2 ,3

RG-4, 5, 6

RG-1, 2, 3

RG-4, 5, 6

Women

1 year MCLR+50 bps, ER:8.50%

1 year MCLR+60 bps, ER:8.60%

1 year MCLR+65 bps, ER:8.65%

1 year MCLR+75 bps, ER:8.75%

Others

1 year MCLR+ 55 bps, ER:8.55%

1 year MCLR+65 bps, ER:8.65%

1 year MCLR+70 bps, ER:8.70%

1 year MCLR+ 80 bps, ER:8.80%

  1. Floating Interest Card Rate Structure (Term Loans): For Non-Salaried Borrowers (%):

 Borrower Category

Up to ₹ 7.5 million

Above ₹ 7.5 million

RG-1, 2 ,3

RG-4, 5, 6

RG-1, 2, 3

RG-4, 5, 6

Women

1 year MCLR+ 60 bps, ER:8.60%

1 year MCLR+ 70 bps, ER:8.70%

1 year MCLR+75 bps, ER:8.75%

1 year MCLR+ 85 bps, ER:8.85%

Others

1 year MCLR+ 65 bps, ER:8.65%

1 year MCLR+ 75 bps, ER:8.75%

1 year MCLR+ 80 bps, ER:8.80%

1 year MCLR+90 bps, ER:8.90%


IV. MAXGAIN - FLOATING INTEREST CARD RATE HOME LOANS (Including CRE HL):

  1. Maxgain- Floating Interest Card Rate Structure: For Salaried Borrowers (%):

 Borrower Category

₹ 2 million to ₹ 7.5 million

Above ₹ 7.5 million & up to ₹ 30 million

RG-1, 2 ,3

RG-4, 5, 6

RG-1, 2, 3

RG-4, 5, 6

Women*

1 year MCLR+65 bps, ER: 8.65%

1 year MCLR+75 bps, ER: 8.75%

1 year MCLR+80 bps, ER: 8.80%

1 year MCLR+90 bps, ER: 8.90%

Others

1 year MCLR+70 bps, ER: 8.70%

1 year MCLR+80 bps, ER: 8.80%

1 year MCLR+85 bps, ER: 8.85%

1 year MCLR+95 bps, ER: 8.95%

  1. Maxgain - Floating Interest Card Rate Structure: For Non-Salaried Borrowers (%):

 Borrower Category

₹ 2 million to ₹ 7.5 million

Above ₹ 7.5 million & up to ₹ 30 million

RG-1, 2 ,3

RG-4, 5, 6

RG-1, 2, 3

RG-4, 5, 6

Women*

1 year MCLR+75 bps, ER: 8.75%

1 year MCLR+85 bps, ER: 8.85%

1 year MCLR+,90 bps ER: 8.90%

1 year MCLR+100 bps, ER: 9.00%

Others

1 year MCLR+80 bps, ER: 8.80%

1 year MCLR+90 bps, ER: 8.90%

1 year MCLR+95 bps, ER: 8.95%

1 year MCLR+105,ER:9.05%

HOME TOP UP LOANS: CARD RATES:

I. INSTA HOME TOP UP LOAN:

  1. Floating Interest Card Rate Structure (Term Loans): For Salaried Borrowers (%):

Insta Home Top Up Loan (₹ 100,000 to ₹ 500,000)

1% above 1 year MCLR, present ER: 9%, irrespective of Risk Grades, gender and occupation (No change).

 

II. HOME TOP UP LOANS (other than Insta Home Top Up Loans):

For Salaried Borrowers:

 Category

Term Loan

Overdraft

RG-1, 2 ,3

RG-4, 5, 6

RG-1, 2, 3

RG-4, 5, 6

1. TL up to ₹ 2.5 million
2. Overdraft ₹ 2 million and up to ₹ 2.5 million

1 year MCLR+,60 bps, ER: 8.60%

1 year MCLR+70 bps, ER: 8.70%

1 year MCLR+175 bps, ER: 9.75%

1 year MCLR+200 bps, ER: 10.00%

TL and Overdraft above ₹ 2.5 million and up to ₹ 20 million

1 year MCLR+100 bps, ER: 9.00%

1year MCLR+110 bps, ER: 9.10%

1 year MCLR+ 200 bps ER:10.00%

1 year MCLR+225 bps, ER: 10.25%

Above ₹ 20 million and up to ₹ 50 million

1 year MCLR+180 bps, ER: 9.80%

1year MCLR + 190 bps, ER: 9.90%


For Non - Salaried Borrowers:

 Category

Term Loan

Overdraft

RG-1, 2 ,3

RG-4, 5, 6

RG-1, 2, 3

RG-4, 5, 6

1. TL up to ₹ 2.5 million
2. Overdraft ₹ 2 million and up to ₹ 2.5 million

70 BPS above 1 year MCLR, ER: 8.70%

80 BPS above 1 year MCLR, ER: 8.80%

200 BPS above 1 year MCLR, ER:10.00%

225 BPS above 1 year MCLR, ER: 10.25%

TL and Overdraft above ₹ 2.5 million and up to ₹ 20 million

1.10% above 1 year MCLR, ER: 9.10%

1.20% above 1 year MCLR, ER: 9.20%

225% above 1 year MCLR, ER: 10.25%

250% above 1 year MCLR, ER: 10.50%

Above ₹ 20 million and up to ₹ 50 million

1.90% above 1 year MCLR, ER: 9.90%

2.00% above 1 year MCLR, ER: 10.00%

 

  • * Woman should be the sole applicant or one of the co-applicants for Home Loan and also the sole owner or one of the co-owners of the property proposed to be financed by the Bank
  • Loans up to INR 3 million will be available with both Fixed and Floating Rate option.

SBI Home Loan Fees, and Charges

Processing Fee: 0.35% of the amount of loan and service tax as is applicable.
Minimum: INR 2,000/- and service tax as is applicable.
Maximum: INR. 10,000/- and service tax as is applicable.
Pre-closure fee: Nil
Partial Pre-Payment Charges: Nil

SBI Tribal Plus Scheme

Processing Fees: 0.25% of the loan amount will be charged as the processing fees.

Loan for Earnest Money Deposit Scheme

Interest Rate: It is charged 4.55% above MCLR which comes to 13.75% p.a. (w.e.f. 01.04.2016)

Processing Fees: Minimum 0.5% of the amount of loan availed (minimum which will be INR 100)

 

SBI Home Loan Documents Required

  • Application letter
  • 3 passport sized photographs
  • Identity Proof
  • Address Proof Business address location
  • Statement of bank accounts from 6 months
  • Identification of signature from bankers
  • Statements of other loans and advances
  • Salary certificate for salaried employee
  • For Salaried Employees: TDS Certificate or form 16 to prove that the person has been filing income tax returns for at least 2 years.
  • Cheque for processing fee
  • For Start-Ups and Businessmen: Proof of business.

SBI Takeover of Home Loans - Documents Required

  • No objection certificate (NOC) from the existing bank
  • Agreement of creating mortgage
  • Power of attorney transfer from the existing bank to SBI to carry out equitable mortgage on the behalf of borrower
  • Temporary security which will be released later
  • Documents pertaining to the original loan

SBI Her Ghar Home Loan - Documents Required

  • Loan application form
  • 3 passport size photographs
  • ID Proof
  • Address Proof
  • Statement of assets and liabilities
  • Signature identification from current bankers
  • Non-salaried applicants: Proof of address of business

SBI Home Loan for Earnest Money Deposit Scheme - Required Documents

  • Letter of allotment from the government agencies like as Urban Development Authorities and Housing Boards
  • 3 passport size Photograph
  • Identity Proof: (Voters I-card / Passport / Driving License / PAN Card etc. / Proof of residence)
  • Address Proof: (Passport/ Driving License/ PAN Card/ Ration Card)
  • Proof of Income/ salary/return in business (not needed if the applicant has an account with the bank)

Documents Required for SBI Tribal Plus Scheme

  • 3 passport sized photographs
  • Identity Proof
  • Address Proof
  • Statement of bank account from 6 months
  • Identification of signature from bankers
  • Salary certificate for salaried employee
  • For Salaried Employees: TDS Certificate or form 16 to prove that the person has been filing income tax returns for at least 2 years.
  • Cheque for processing fee
  • An affidavit is sought by the applicant who is testified that he/she is the owner of the plot of land or house or flat.
  • Post-dated cheques which pertain to monthly installments will be taken till the loan is paid.
  • The agreement to mortgage the land in case of non-payment of loan can also be sought.

Frequently Asked Questions

Can I get the loan approved first and get it availed later?

Yes, SBI does provide this option. The bank will check your gross combined income and check your eligibility to repay the loan. The good part is that you will then have to search for only those properties that will be in your budget.

For how long can the in-principal approval period last?

This period lasts for a sufficiently long time of 3 months where the customer can choose the best house or flat or property or look at the cost of renovation, etc and get the amount sanctioned by the bank.

Can my wife and I be co-applicants?

Yes, this is a great feature introduced by the SBI so that an applicant's eligibility can be increased and he can apply for the loan on the basis of enhanced income and pay back capacity.

ReviewsView All

Chandan Krishna

5 / 5

I have taken a home loan from State Bank of India. The amount is of 30 lakhs. The interest rate offered my SBI to me is 8.70%. I am quite happy with this interest rate. The processing frees was also very low. So if u r in a need of home loan without any doubt or fear go with SBI “The most reliable bank of India”.
Shivani Tiwari

2 / 5

I have not received proper response from SBI regarding my home loan. It took more than 10 days for the documentation process to get completed. I had to visit the bank many times to get the process completed.
Raghu

5 / 5

I transferred my current going home loan from AXIS Bank to SBI. The reason behind this was the low interest rates offered by the SBI. The interest rate offered to me from SBI is 8.60%. I am happy now as I will have to pay less amount as interest to the bank.
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