Home Loan Alappuzha

Latest Trends in Home Loans Alappuzha - Currently most of all the banks offers home loans at around 8.50% - 9.50%. Check & Compare home loan eligibility in leading banks.

Interest rates	8.50% - 9.50%
Processing fees	Rs.1000 to 2.00%
Prepayment charges	Nil
Repayment options	30 years
Minimum loan amount	Rs.1.5 Lakh
Loan to Value	Upto 90%
Max. loan amount	upto Rs.20 crore
EMI Calculator	Click Here
Eligibility Calculator	Calculate Here

Banks	HDFC Bank	AXIS Bank	State Bank Of India (SBI)	ICICI Bank
Rate of Interest	8.50% - 9.40%	8.60% - 9.05%	8.60% - 9.65%	9.00% - 9.10%
Processing Fee	3000 + Tax (Salaried), 5000 + Tax (S. Employed)	Up to 1% of the Loan amount subject to minimum of Rs.10,000/-	Nil till 31.04.2023	2999+GST for CIBIL Score above 710, .50% + GST for Score below 710.50% + GST for Score below 700
Prepayment Charges	3000 + Tax (Salaried), 5000 + Tax (S. Employed)	Up to 1% of the Loan amount subject to minimum of Rs.10,000/-	No Prepayment or foreclosure Charges	3000 + Tax

Eligibility Criteria

Eligibility Criteria for Home Loan in Alappuzha

The borrower's eligibility of getting a housing loan depend upon his/her repayment capacity & the banks establish this repayment capacity by considering various factors such income, spouse's income, age, number of dependants qualifications , assets, liabilities, stability and continuity of occupation and savings history. Calculate your Eligibility for Home loan
Your Home Loan eligibility is determined by your repayment capacity, taking into consideration, factors such as: Your:
• Income
• Qualifications
• Age
• Spouse's income
• No. of dependants
• Stability and continuity of occupation
• Assets/LiabilitiesM.
• Savings history.
The most important concern of banks in determining your loan eligibility is that whether or not you are contentedly able to pay off the amount you borrow.

List of Home Loans Banks

State Bank of India(SBI)

HDFC Ltd

LIC Housing Finance

ICICI Bank

Axis Bank

State Bank of India(SBI)	HDFC Ltd	LIC Housing Finance	ICICI Bank	Axis Bank
Fedbank	PNB Housing	ING Vysya	Kotak Bank	DHFL
Bank of Baroda	Bank of India	Union Bank of India	United Bank of India	Punjab National Bank
Standard Chartered	IndusInd Bank	IDBI Housing Finance	Andhra Bank	Citibank
Canara Bank	Indian Bank	Vijaya Bank	Corporation Bank	IDBI Bank

Documents required
for Home Loan

Documents required for Home
Loan in Alappuzha

Generally the documents required to processing your loan application are almost similar across all the banks; however they may differ with various banks

Generally the documents required to processing your loan application are almost similar across all the banks; however they may differ with various banks depending upon specific requirement etc. Following documents are required by financial institutions to process the loan application:
· Age Proof
· Address Proof
· Income Proof of the applicant & co-applicant
· Last 6 months bank A/C statement
· Passport size photograph of the applicant & co-applicant

Salaried	Self Employed
· Employment certificate from the employer, · Copies of pay slips for last few months and TDS certificate · Latest Form 16 issued by employer Bank statements	· Copy of audited financial statements for the last 2 years · Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if it is a company · Profit and loss account for the last few years · Income tax assessment order

Eligibility Criteria

Eligibility Criteria for Home Loan in Alappuzha

In recent times, tourism has become a major source of revenue. This is mainly due to the presence of houseboats that provide the tourists a view of the scenic backwaters of the city. Another reason is the proximity to other popular tourist spots like Munnar and Varkala. Coir is the most important commodity manufactured in Alappuzha, Kayamkulam, Kokkothamangalam, Komalapuram, Mannancherry, Muhamma and Vayalar,[34] Coir products in Cherthala and Mannancherry, Lime shell in Arookutty and Kodamthuruth, Plywood in Chengannur, Keltron controls in Aroor, Potassium Chloride in Mavelikkara and coconut in Thanneermukkom. The other important commodities manufactured in these towns are copra, coconut oil, glass, mats and matches. List of Major Banks Branches for Home Loans in Alappuzha SBI - Address: Salem - Kochi - Kanyakumari Hwy, Kalarcode, Mullathuvalappu, Alappuzha, Kerala 688012 Canara Bank - Address: Boat Jetty Rd, Alappuzha, Kerala 688013 State Bank of India - Address: Salem - Kochi - Kanyakumari Hwy, Anantha Narayanapuram, Alappuzha, Kerala 688011 Corporation Bank - Address: Anantha Narayanapuram, Alappuzha, Kerala 688011 ICICI Bank - Address: T.V. House, Kavalackal Building, Cullen Rd, Alappuzha, Kerala 688001 Kerala State Co-operative Bank - Address: National Highway 47, A N puram,near housing board building, Chudukadu, Alappuzha, Kerala 688011 South Indian Bank - Address: Near Alappuzha Municipal Office, CCSB Rd, Kodiveedu, Alappuzha, Kerala 688001

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Top Home Loan Banks

Home Loan Rates 2024

IDBI	8.75% - 12.25%
AXIS Bank	8.60% - 9.05%
LIC Housing	8.50% - 10.50%
HDFC Bank	8.50% - 9.40%
ICICI Bank	9.00% - 9.10%
Bank of India	8.65% - 10.75%
Bank of Baroda	9.15% - 10.50%
Canara Bank	8.90%- 11.25%
HSBC Bank	8.75% - 8.85%
State Bank Of India (SBI)	8.60% - 9.65%
Indian Bank	NA
GIC Housing Finance	8.45%