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IDBI Home Loan

After a long hard day’s work, all a person wants is to sit and relax at a place which gives him or her peace of mind and refreshes them from all the worries. IDBI fulfills these desires of individuals by providing home loans to people for their very own haven they can call their residence. The home loan facility provided by the bank is extremely flexible. Attractive rate of interests, balance transfer facility, legal and technical assistance, maximum funding, simple documentation, tax benefits, etc are few of the many advantages provided by IDBI home loan services. A person can obtain the home loans for constructing their own home, to purchase a ready made/built house, for owning a residential plot or for refinancing other housing loans taken from any financial institution. The eligibility criteria for home loans require the individuals to be financially sustainable; therefore, the bank offers its home loan facilities to self employed individuals, salaried employees, NRI professionals or businessmen. IDBI offers its customers a special insurance cover on their home loan, so that, in case of some calamity, people need not worry about their home loans and can live a burden free life. Each person must fill up the provisional certificate online for the anytime access of their online account. This statement submission provides a quick account login facility to the customer.

IDBI Home Loan Application Form

In order to relish the facilities and ambiance of their dream home, the individuals can login to the IDBI bank’s website and can fill up the online application form for the home loan, anytime they want. The Application is nothing but a basic form that requires the individual to fill up the necessary details regarding the home loan. All mandatory fields must be filled. The form must be filled with the information that is true by all means. Personal details, details of the property, personal co- applicant’s details and professional information are the major columns that require to be filled in. After filling up the necessary details, one must declare that the information being submitted is true and authentic by all means and then only must submit the form. It is important that each individual applying for the home loan must read all the terms and conditions carefully before investing their money in such a large firm. One can always go to the nearby IDBI bank to fill in up these details in person. People can also monitor and update their application’s status by logging on to the bank’s website and entering the application number and date of birth.

One must also submit the necessary documents along with the loan application. The documents can either be uploaded online or can be submitted in person at the IDBI bank’s branch from where loan application is initiated.

IDBI Home Loan Interest Rate

IDBI bank offers its customers a very competitive range of attractive interest rates. The rates offered are of two categories. Fixed interest rates, that remain the same through out the year, and floating interest rates, that may vary as per the bank’s strategies. The interest rate remains fixed whether you opt for a three year or a five year home loan. It is 11.50% and base rate of 1% is also added with it. One can always visit the IDBI bank’s website to obtain information regarding the Floating Rate of Interest for home loans.

IDBI Home Loan EMI Calculator

The IDBI Bank for the benefit and ease of its customers offers the facility of EMI calculator at the bank’s website. Using this facility the customers can quickly evaluate the amount payable for their monthly installments. All that a person needs to do is logon to the bank’s website, select the EMI Calculator option for home loan and fill up the essentials like, total cost of the property for which home loan is required, total loan amount, interest rate and the net yearly income of the borrower. On submitting this information, the person can obtain the EMI value on their loan.

IDBI Home Loan Customer Care

One can always contact the customer care department for any sort of enquiry, grievance or assistance regarding account status, review, repayment, online payment and its processing fee, net banking, information regarding various IDBI branches and their locations etc, on their helpline numbers , available 24/7 through out the year.

Toll free numbers for BSNL/MTNL Customers: 1800-22-1070
For Other Network Users: 1800-200-1947
Non-toll Free Number: 022-66937000

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