Home Loan Kochi – Interest Rates 2024, Apply
Apply for Home Loan in Kochi online at lowest interest rates 2024. Check Home Loan in Kochi eligibility criteria, list of documents and bank branches only at Deal4loans.
Highlights on Home Loans in Kochi
| Interest Rates | 8.65% – 9.00% |
| Processing Fees | 0 to 2.00% of the loan amount + GST |
| Pre Payment Charges | NIL for floating, Fixed Rates check with Bank |
| Repayment Period | 3 to 30 years |
| Part Payment Facility | Yes, all bank |
Compare Home Loan Rates in Kochi 2024
| SBI Home Loan | 8.70 – 9.40% |
| HDFC Ltd | 8.65 – 9.85% |
| ICICI Bank | 8.75 – 9.80% |
| LIC Housing Finance | 8.65 – 10.25% |
| PNB Housing | 8.75 – 11.70% |
| Kotak Bank | 8.49 – 9.10% |
| Bank of Baroda | 8.60 – 10.30% |
| Canara Bank | 8.60 – 10.80% |
| Aadhar Home loan | N.A |
Home Loan Tools in Kochi
- Home Loan Interest Rates 2024
- Home Loan EMI Calculator
- Home Loan Eligibility Calculator
- Home Loan Balance Transfer Calculator
- NRI Home Loans
Eligibility Criteria for Home Loans in Kochi
| Age | 21 – 58 years |
| Income | 1.80 lakh annually for salaried, 3 Lakh ITR for Self Employed |
| Job Stability | Minimum 2 Years for salaried, 3 years for self employed |
| Eligible for Joint Home Loan | Brother, Mother, Father, Spouse |
| Loan amount | 2 lakh to 50 crore |
Home Loan EMI Calculator Kochi
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Checklist of Documents for Home Loan in Kochi
- List of papers / documents applicable to all applicants:
- 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.
About Kochi:
For the last few years, a splendid growth has been witnessed in the IT and allied sector. With a price appreciation of 12-15 percent per annum, property rates are on upward move. The spectacular growth in IT sector has attracted a sizeable number of IT professionals to Kochi. As a result of this, increase in rental too has escalated. With liberal lending policy from bank for home loan and robust demand for property, a surge for home loan is marked in Kochi.
Most of the bank prefers to offer home loan on the property listed with them. A prudent customer is expected to select property as per listing of bank. It will not only make the processing easier but also assure that intended property is free from any litigation. In adherence to bank policy for home loan, one should follow the rules and guidelines of bank in Kochi.
List of Some Pre Approved Home Loans for Housing Projects by Banks in Kochi, For which you can get easy loan
| Housing Project Name | Builder Name | Location Address | Price Details |
| DD Diamond Valley | Desai Homes | Near Info Park, Kakkanad, Ernakulam, Kerala, Kakkanad, Kochi, Kerala | 29.61 Lac |
| Ansal City | Ansal Buildwell | Puthiyakavu, Kochi, Kerala | 34.48 Lac |
| Oxoniya Riviera Mansion | Oxoniya Builders and Developers P Limited | Riviera Mansion, Thadikkakadavu, Near U.C.College, Aluva, Aluva, Kochi, Kerala | 44 Lac |
| DD Diamond Valley | Desai Homes | Near Info Park, Kakkanad,Kerala, Kakkanad, Kochi, Kerala | 31.09 Lac |
| DD Diamond Valley | Desai Homes | Near Info Park,, Kakkanad, Kochi, Kerala | 39.351 Lac |
| Oxoniya Riviera Mansion | Oxoniya Builders and Developers P Limited | Riviera Mansion, Thadikkakadavu, Near U.C.College, Aluva, Kochi, Kerala | 44.4 Lac |
| DD Diamond Valley | Desai Homes | Near Info Park,, Kakkanad, Kochi, Kerala | 37.64 Lac |
| City Waters | Lord Krishna Builders | N.H 47, Aluva, Kochi, Kerala | 37.36 Lac |
| Kadavanthar | Investors Guide | janath vyttila kadavanthra, Kochi, Kerala | 25 Lac |
| Thevakal | Sajin | Kakkanad, Kochi, Kerala | 5 Lac |
| Highway Avenue | Anta Builders | National Highway, Vytilla, Kochi, Kerala | 50 Lac |
| Brigade Cosmopolis | Manu | Pottakuzhy Junction, Kaloor , Kochi, Kerala | 18 Lac |
| Tranquil Towers | Gopakumar | Kakkanad, Kochi, Kerala | 50 Lac |
| Golden Gate | Cyril | Golden Gate, Kakkanad, Kochi, Kerala | 40 Lac |
| Olive Heights | FOCUZ INDIA | Olive Heights, kadavanthara, Kochi, Kerala | 48 Lac |
| Anta River Valley | Anta Builders | Tripunithura, Kochi, Kerala | 47 Lac |
| City Waters | Lord Krishna Builders | N.H 47, Aluva, Kochi, Kerala | 34.43 Lac |
| Trinity World Mercury | FOCUZ INDIA | Trinity World Kakkanad, Kakkanad, Kochi, Kerala | 48 Lac |
| Starlit Suites | Jaghdish Real estate | Beside Wyte Fort Hotel, On Nh-Bypass Road, Maradu, Kochi., Maradu, Kochi, Kerala | 34.2 Lac |
List of Major Home Loan Provider Banks in kochi
Vijaya Bank – P. B. No. 335, Chamber of Commerce Building, Kotukulam Road, Indian Chamber Rd, Mattancherry, Kochi, Kerala 682002
The Ernakulam District Co-Operative Bank Ltd. – Aroor – Thoppumpady Rd, Thoppumpady, Kochi, Kerala 682005
Axis Bank – Pukalakkat City Centre & Sivadas Tower, MKK Nair Road, Near Alapatt Regency, Palarivattom, Ernakulam, Kochi, Kerala 682025
State Bank of India – N.H By Pass Junction, 1st Floor, Vankatath Towers, Salem-Kochi-Kanyakumari Highway, Padivattom, Palarivattom, Kochi, Kerala 682025
Syndicate Bank – Kakkanad Branch – Door No. XVI/1274, 1st Floor, Josh Towers, Padamugal Colony Junction, Colony Stop, Cochin, Satellite Twp, Vazhakkala, Kakkanad, Kerala 682021
ICICI Bank – Rajagiri Rd, Primier Junction, North Kalamassery, Kalamassery, Kochi, Kerala 683104
Punjab National Bank – 33/2147B, Riddhi Tower,, Salem – Kochi – Kanyakumari Highway, Vennala, Palarivattom, Ernakulam, Kerala 682028
