Documents Required For Home Loan

Only pre-approved customers can apply for a Home Loan without ITR. Apart from this, applicants need to provide KYC documents like Aadhaar Card, PAN Card,  salary slips (for salaried individuals) and Bank statements. Self-employed applicants should provide Business stability proof and a Business profile. These documents could play a vital role in facilitating a Home Loan application process even without ITR. It is best to get in touch with the Bank representatives directly if you don’t have a Pre-approved offer. 

No. There are certain home loan documents which are required to process your application. However, existing ICICI Bank customers can enjoy the benefit of reduced documentation

The amount you can borrow through a Home Loan depends on various factors like your income, credit score, property value and financial stability. Typically, lenders offer loans of up to 80% of the property's value. So, if your desired property costs ₹1 crore, you may be eligible for a Home Loan ranging from ₹80 lakh. It is crucial to maintain a good credit history and provide accurate financial details for a higher borrowing capacity. There is no stipulated limit on the amount you can avail through an ICICI Bank Home Loan.