Home Loan EMI Calculator
Monthly Home Loan EMI
Total Interest Amount
Total amount payable
Supported Home Loan Bank EMIs
SBI HOME LOANS
1. HOME LOAN ELIGIBILITY
Resident Type: Resident Indian.
Minimum Age: 18 years.
Maximum Age: 70 years at the end of the loan tenure.
Loan Tenure: Up to 30 years.
Both salaried and self-employed individuals can apply.
2. HOME LOAN CHARGES
Processing Fees: Refer to the official SBI website for updated charges.
Pre-Payment Charges: None, enabling hassle-free early repayment.
Other Charges: Documentation and administrative fees may apply as per bank norms.
3. HOME LOAN INTEREST RATES
Interest rates are competitive and based on a borrower’s profile.
Special interest rate concessions for women borrowers.
Interest is charged on a Daily Reducing Balance, offering maximum savings.
4. DOCUMENTS REQUIRED FOR HOME LOAN
Personal Documents:
Identity Proof: PAN, Passport, Driver’s License, or Voter ID.
Address Proof: Aadhaar Card, recent utility bills (Electricity, Telephone, Water).
Completed loan application form with 3 passport-sized photographs.
Property Documents:
Registered Sale/Agreement of Sale/Allotment Letter.
Approved building plan (blueprint).
Payment receipts or bank statements for payments made to the builder/seller.
Occupancy Certificate (for ready-to-move properties).
Financial Documents:
For Salaried Individuals:
Salary Slips for the last 3 months.
Form 16 or IT returns for the last 2 years.
Bank account statements for the past 6 months.
For Self-Employed Individuals:
IT returns for the last 3 years.
Balance Sheet and Profit & Loss Account for the last 3 years.
Business address proof and license details.
Qualification certificates for professionals like doctors, CAs, etc.
5. FEATURES & BENEFITS OF HOME LOAN
Low Interest Rates: Affordable and competitive rates to suit your budget.
Flexible Loan Tenure: Repayment period of up to 30 years.
No Pre-Payment Penalty: Freedom to repay early without additional charges.
Transparent Process: No hidden charges for complete clarity.
Daily Reducing Balance Interest: Saves more on interest costs.
Special Benefits for Women Borrowers: Exclusive interest concessions.
Loan as Overdraft: Option to avail the home loan as an overdraft facility for added flexibility.
Resident Type: Resident Indian.
Minimum Age: 18 years.
Maximum Age: 70 years at the end of the loan tenure.
Loan Tenure: Up to 30 years.
Both salaried and self-employed individuals can apply.
Processing Fees: Refer to the official SBI website for updated charges.
Pre-Payment Charges: None, enabling hassle-free early repayment.
Other Charges: Documentation and administrative fees may apply as per bank norms.
Interest rates are competitive and based on a borrower’s profile.
Special interest rate concessions for women borrowers.
Interest is charged on a Daily Reducing Balance, offering maximum savings.
Identity Proof: PAN, Passport, Driver’s License, or Voter ID.
Address Proof: Aadhaar Card, recent utility bills (Electricity, Telephone, Water).
Completed loan application form with 3 passport-sized photographs.
Registered Sale/Agreement of Sale/Allotment Letter.
Approved building plan (blueprint).
Payment receipts or bank statements for payments made to the builder/seller.
Occupancy Certificate (for ready-to-move properties).
For Salaried Individuals:
Salary Slips for the last 3 months.
Form 16 or IT returns for the last 2 years.
Bank account statements for the past 6 months.
IT returns for the last 3 years.
Balance Sheet and Profit & Loss Account for the last 3 years.
Business address proof and license details.
Qualification certificates for professionals like doctors, CAs, etc.
Low Interest Rates: Affordable and competitive rates to suit your budget.
Flexible Loan Tenure: Repayment period of up to 30 years.
No Pre-Payment Penalty: Freedom to repay early without additional charges.
Transparent Process: No hidden charges for complete clarity.
Daily Reducing Balance Interest: Saves more on interest costs.
Special Benefits for Women Borrowers: Exclusive interest concessions.
Loan as Overdraft: Option to avail the home loan as an overdraft facility for added flexibility.
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