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A Pre-approved Home Loan is an instant Home Loan product tailored for those who are already having a relationship with ICICI Bank. The approval of the loan facility is provided based on your income, creditworthiness, etc.
You can avail a Pre-approved Home Loan through iMobile Pay or by clicking here. If you are able to view the pre-approved offer in iMobile Pay, then you can generate sanction instantly with minimal documentation
Features & Benefits of Pre-Approved Home Loan:
Exclusive Pre-Approved offer only for Select /Premium customers
Home Loan sanction in a few clicks
No documents required at the time of loan sanction
Exclusive offer for top corporates
How Pre-Approved Home Loan Works?
- ICICI Bank generates the offer on the basis of customer relationship/income
- You have the option to download the sanction letter instantly
- The sanction letter can be downloaded even if a property is not identified
- The sanction letter has a validity of 6 months, which means you get 6 months to identify a property
- Once the property is identified, you need to provide the required documents for disbursement
- After the documentation is complete, along with important checks like legal and technical, the Home Loan disbursement process begins.
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Watch the video to find out how to avail your ICICI Bank Instant Home Loan
Pre-Approved Home Loan Related FAQs
You can generate the sanction letter even if a property is not identified. Since the letter has a validity of 6 months, you need to identify a property within this period.
You can check your pre-approved offers with ICICI Bank in the following ways:
a. iMobile Pay – a) Login b) Click on Loans c) The offer will be visible
b. Express Home Loan – a) Verify your relationship with the Bank b) Validate through OTP c) The offer will be visible
The sanction letter is valid for a period of 6 months during which you can avail Home Loan disbursement.
The maximum loan amount is based on your salary and existing obligations. The loan amount will be displayed when you log in to iMobile Pay to avail the offer. However, the maximum loan one can avail is Rs 5 crore.
The maximum tenure is 30 years. However, the offer tenure based on your age will be displayed on the offer page. You can reduce the tenure if required but cannot increase it beyond the offer tenure.
If you need a higher loan amount, you need to add the income of spouse or other blood relatives which is acceptable as per ICICI Bank. For a loan amount higher than the pre-approved offer amount, you can apply for the same on Express Home Loan.
Yes. You are required to submit the following documents at the time of the disbursement:
- Property documents of the proposed property
- Disbursement documentation (our executives/branch sales managers will assist you)
- Any other document as per the conditions mentioned in your sanction letter or as per the property identified
In case you reduce the offer tenure, your loan offer amount will get reduced according to the tenure so that the overall Equated Monthly Instalment (EMI) remains the same.
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