Citibank Home Loan: You can get a home loan from Citibank at an interest rate of 8% per annum. Through Citibank Home Loan, you can get a loan of up to Rs 10 crore and to repay this loan, you are given a time period of 25 years by Citibank. You can build your own house by taking a home loan. To take a home loan, you have to apply to Citibank. If you are looking to apply for a home loan, then this article is for you. In this article, we will tell you the complete process of taking a home loan from Citibank.
Citibank Home Loan in Hindi
You can avail a home loan from Citibank for acquiring land, property or building your own house. Salaried individuals and self-employed individuals can easily apply for home loans. If you are an existing customer of Citibank, then you will be provided with attractive offers by this bank.
Overview of Citibank Home Loan
| लोन का नाम | Citibank Home Loan |
| लोन देने वाले बैंक का नाम | Citibank |
| लोन की राशी | अधिकतम 10 करोड़ रूपये |
| ब्याज दर | 8% प्रतिवर्ष से शुरू |
| आवेदन मोड | ऑनलाइन / ऑफलाइन |
| लोन अवधि | 25 वर्ष |
| आवेदन के लिए आयु | 21 से 65 वर्ष |
| के लिए उपलब्ध गृह ऋण | निर्माणाधीन संपत्ति की खरीद के लिए तैयार संपत्ति की खरीद के लिए |
| ऑफिसियल वेबसाइट | www.online.citibank.co.in |
Interest Rate of Citibank Home Loan
You can apply for a home loan from Citibank by visiting the official website of the bank or by visiting the nearest bank branch. The home loan interest rate in this bank starts from 8% per annum. This rate varies from time to time.
Benefits and Features of Citibank Home Loan
- You can avail a home loan up to 80% of the value of your property.
- Citibank also provides pre approved offers to its existing customers.
- You can apply for a home loan from Citibank at attractive interest rates.
- You can take a home loan to buy your own home or for home renovation.
- Through Citibank you can get a home loan to buy any land or property.
- Citibank provides the facilities offered in personal loans to its customers. In this facility, no guarantor is required to avail a home loan from Citibank. This is the special thing about Citibank.
- Citibank also offers home loan balance transfer facility.
- In this, you can decide how much interest you are paying on your loan. It offers you a power packed loan with home credit options.
Citibank offers you two options in home credit loans. You can choose these options as per your requirement.
Home Credit Vanilla Option
In this, an overdraft line is set on your account and the interest savings through the home credit facility go towards increasing this line.
Home Credit Fast Track Option
This option gives you the option to repay your home loan faster. In this, your interest savings are adjusted to reduce the outstanding loan. This option reduces the tenure of your loan and helps in faster closure of your home loan.
Eligibility of Citibank Home Loan
You must be a permanent resident of India for Citibank Home Loan.
The minimum age of the applicant for a home loan in Citibank should be 21 years and the maximum age should be 60 years.
Must have minimum 2 years work experience for salaried person and minimum 3 years work experience for self employed person.
Only salaried individuals and self-employed individuals can apply for a home loan.
You can get a loan up to a maximum of Rs 10 crore from this bank.
आवश्यक दस्तावेज
| सामान्य दस्तावेज | होम लोन एप्लीकेशन फॉर्म पासपोर्ट साइज फोटो निवास प्रमाण जन्म प्रमाण पत्र की तारीख पहचान प्रमाण हस्ताक्षर सत्यापन प्रमाण बिजनेस एड्रेस प्रूफ साझेदारी फर्म/कंपनी के मामले में- सभी भागीदारों/निदेशकों से पहचान, निवास और पते का प्रमाण आवश्यक है। |
| वेतनभोगी के लिए आय प्रमाण दस्तावेज | नवीनतम वेतन पर्ची- पिछले 2 महीने बैंक स्टेटमेंट- पिछले 3 महीने नवीनतम आईटीआर/ फॉर्म 16 पिछले 2 वर्षों का कार्य अनुभव प्रमाण |
| स्वरोजगार के लिए आय प्रमाण दस्तावेज | आय की गणना आईटीआर सभी अनुसूचियों के साथ बैलेंस शीट और पी एंड एल खाता – सीए प्रमाणित पिछले 3 महीनों का बैंक स्टेटमेंट पिछले 3 वर्षों के लिए व्यापार निरंतरता प्रमाण बिजनेस एड्रेस प्रूफ कंपनियों के लिए: निगमन प्रमाणपत्र ज्ञापन और एसोसिएशन के लेख निदेशकों की सूची और शेयरधारकों की सूची के लिए सीए प्रमाणपत्र (शेयरधारिता पैटर्न के साथ) साझेदारी फर्मों के लिए नवीनतम साझेदारी विलेख लाभ विभाजन अनुपात वाले भागीदारों की सूची के लिए सीए प्रमाणपत्र |
| संपत्ति दस्तावेज | बिक्री के लिए समझौता, टाइटल डीड, एन्कम्ब्रेन्स सर्टिफिकेट (फोटोकॉपी) सहकारी समिति या अपार्टमेंट मालिकों के संघ के आवंटन पत्र / उपनियम अधिकारियों से स्वीकृत योजनाएँ और निकासी प्रमाण पत्र |
How to apply for Citibank Home Loan online?
First of all, you have to visit the official website of Citibank.
On the home page of the website, you have to click on the option of Home Loans.
After this, all the information related to home loan will appear in front of you on the next page.
After this, the option of Apply Now will appear on your screen, you will have to click on it.
On the next page, the home loan form will open in front of you.
All the information asked from you in this form will have to be entered correctly. After this you have to submit the form.
After submission, your request will go to the bank and your loan process will be continued further.
How to Apply Offline for Citibank Home Loan?
To apply offline, first you have to visit the nearest branch of Citibank.
You will have to talk to the bank employee in the bank branch.
The bank employee will provide you all the information related to the home loan.
After this, your documents will be verified by the employee and your CIBIL score will be checked.
- If you fulfill all the conditions of Citibank, then your loan process will be taken forward.
- The home loan amount will be transferred to your account as soon as your loan is approved.
Processing Fee and Other Charges of Citibank Home Loan
| आवेदन शुल्क (non-refundable) | 5000 रूपये तक |
| बुकिंग शुल्क (non-refundable) | स्वीकृत ऋण राशि का 0.40% तक |
| आंशिक पूर्व भुगतान शुल्क (non-refundable) | फिक्स्ड रेट होम लोन: NIL परिवर्तनीय दर गृह ऋण/अर्द्ध निश्चित दर गृह ऋण: शून्य अर्ध निश्चित दर गृह ऋण (निश्चित दर अवधि के दौरान): – स्वीकृत ऋण राशि के 25% से कम (वर्ष में एक बार) आंशिक पूर्व भुगतान के लिए: शून्य – अगर पार्ट प्री-पेमेंट की तारीख से 1 साल के भीतर लोन बंद हो जाता है: पार्ट प्री-पेमेंट पर फोरक्लोज़र शुल्क भी लगेगा। – निर्धारित दर अवधि के दौरान एक वर्ष में 25% से अधिक पूर्व भुगतान के लिए: 2% |
| फौजदारी शुल्क | परिवर्तनीय दर गृह ऋण/अर्द्ध निश्चित दर गृह ऋण: शून्य फिक्स्ड रेट होम लोन / सेमी फिक्स्ड रेट होम लोन: बकाया ऋण का 2% |
| एनएसीएच/एसआई/चेक बाउंस के लिए शुल्क | 500 per instance |
| दंडात्मक ब्याज | चूक अवधि के लिए बकाया ऋण राशि पर प्रचलित ब्याज दर का 2% |
| पुन: मूल्य निर्धारण शुल्क | शून्य |
Citibank Home Loan कस्टमर केयर नंबर
Toll Free Number: 1860 210 2484