GIC Home Loan, जीआईसी होम लोन, GIC Housing Finance, जीआईसी हाउसिंग फाइनेंस, GIC Home Loan Interest Rates, जीआईसी होम लोन की ब्याज दरें, GIC Home Loan Interest Rate, जीआईसी होम लोन ब्याज दर, GIC Home Loan Processing Fee, GIC Home Loan EMI Calculator, GIC Home Loan Eligibility, GIC Home Loan CIBIL Score,
GIC Housing Finance Limited It was incorporated as ‘GIC Grih Vitta Limited’ in 1989, the name was changed to its present name by latest Certificate of Incorporation issued in 1993, GICHFL’s primary business is granting housing loans to individuals, GICHFL always owes its success and growth to customer friendly fair and It believes in following ethical lending practices.
GIC Housing Finance, जीआईसी हाउसिंग फाइनेंस,
GIC Housing Finance Finance service company is a company owned by General Insurance Corporation of India and its erstwhile subsidiaries, which has tie-ups with builders to provide finance to individual borrowers, GIC Housing Finance provides direct loans to individuals and corporate bodies, GIC Housing Finance offers affordable interest rates and attractive features to make it easy to buy your dream home, check out the details of GIC Housing Finance Home Loan below.
GIC Home Loan Eligibility, जीआईसी होम लोन पात्रता,
Eligibility for various home loans from GIC Housing Finance depends on the type of loan, GIC Housing Finance Limited has a strong presence across the country with several branches and a dedicated team of sales associates, Eligibility Criteria for GIC Housing Finance Home Loan Eligibility criteria vary widely among the schemes, GICHFCL keeping their core mission in mind, GIC Housing Finance Limited offers tailor made home loan schemes, All their home loan products of GIC Housing Finance enjoy the following additional tax benefits
| Eligibility | Resident Indians and Non-Resident Indian |
| Age Limit | Minimum Age 21 Year Maximum Age 65 Year |
| Profile | Salary and Self Employee |
| Tenure | Maximum 30 years |
Document Checklist for GIC Housing Finance Home Loan
Required Documents to be submitted for Home Loan from GIC Housing Finance These Required Documents are indicators of your financial stability and credit so any lender will definitely consider the documentation while approving your loan application.
Documents are one of the most important requirements for GIC Housing Finance Home Loan, GIC Housing Finance takes the process of home loan documents very seriously, but many times applicants face difficulties in not knowing what documents to provide while submitting documents for GIC Housing Finance Housing Loan.
GIC Housing Finance makes the home loan documents process very streamlined and transparent right from the start, see below which home loan documents are required to pass your home loan application in detail.
- Identity Proof – Aadhaar Card, Voter ID, Passport, Driving License.
- Age Proof – PAN Card, Voter ID, Aadhaar Card, Passport, Driving License.
- Address Proof – Aadhaar Card, Passport, Voter ID, Driving License.
- Income Proof for Salaried– Employment certificate from the employer as per Form 22.
- Income Proof Self Employed – ITR of the last two years with computation / Balance Sheet, P&L statement / Business profile.
- Property Documents – Sale deed / Registration and stamp duty receipt / Legal documents / comprising the title deed / Copy of sanctioned plan / Estimated value from the empanelled engineer or architect.
GIC Housing Finance Home Loan Processing Fee, जीआईसी होम लोन प्रोसेसिंग शुल्क,
When you apply for a GIC Housing Finance home loan, the lending institution charges a certain amount for the services they provide you, this amount is called Home Loan Processing Fee, GIC Housing Finance home loan processing charges are one percent of the total home loan amount you are applying for, if the application is rejected the amount will not be refunded to you.
Applicants should remember that home loan processing fee is not the only amount that you have to pay, GST and other charges are also included, so it is better for everyone to know the GIC Housing Finance Processing fee details in advance.
| Name of Loan | Processing Fee | Administrative Fee |
|---|---|---|
| Individual Housing Loan | Rs.3000 + GST | Rs.2500 to Rs.12000 + GST |
| Home Improvement Loan | Rs.2500 + GST | 0.75 % of loan amount + GST |
| Balance Transfer | Nil | Rs.2500 + GST |
CIBIL Score for GIC Housing Finance Home Loan, जीआईसी होम लोन सिबिल स्कोर,
Are you aspiring to become a home owner and now you are going for a GIC Housing Finance home loan for your home, but you may need a good CIBIL score, most lenders consider CIBIL score as one of the most important factors in your GIC Housing Finance home loan application.
CIBIL score is a metric of measurement used by many lenders to determine your repayment capabilities, most lenders consider a CIBIL score of 650 as the minimum requirement for a GIC Housing Finance home loan, CIBIL score is a three digit number and ranges between 300 to 900, your payment to reach the final CIBIL score Evaluates history, credit handling trends and existing banking.
CIBIL score required for GIC Housing Finance home loan is 750 and above, if your score is between 650 to 750 you are still eligible for home loan, Click here GIC Housing Finance Home Loan CIBIL Score Check.
GIC Home Loan EMI Calculator, जीआईसी होम लोन ईएमआई कैलकुलेटर,
GIC Home Loan EMI Calculator is a basic calculator that helps you calculate EMI, monthly interest and monthly discount balance based on principal amount, loan tenure and interest rate, Click here when you intend to take a home loan, Please note that the Home Loan EMI Calculator is created to give you an approximate idea and should not be taken as absolute.
Take an informed decision with GIC Housing Finance Home Loan EMI Calculator, which helps you know key details such as Home Loan Amount and Home Loan Interest Rates, GIC Home Loan Home Loan Tenure and many more.
GIC Home Loan Interest Rate, जीआईसी होम लोन ब्याज दर
It is very important to know the interest rate when you apply for GIC Housing Finance home loan, the home loan interest Rate affects the total EMI you have to pay on how much you borrow from GIC Housing Finance, so it is good to keep the interest rate in mind whenever you apply for a home loan. , you can avail GIC Housing Finance Home Loan Interest at an attractive interest rate starting from 8.80%, see more GIC Housing Finance home loan interest rate here
| Interest Rate | Starting from 8.80%* Final interest rate depends on credit history, profile, loan amount, tenure and property type |
NOTE – GIC Housing Finance interest rate are subject to change at the discretion of the bank, the information given here is only the current interest rates given by GIC Housing Finance, when you want to apply for a GIC Housing Finance loan, you should visit https://www.gichfindia.com/Individual%20Housing%20Loan.php the bank’s official website and confirm.