Home Loan in kochi

Check Home Loan Interest Rates of all major banks of kochi Instantly

Bank NameFloating Interest RateProcessing Fee
FULLERTON 9%3%
ICICI 8.90%0.5-1% of the loan amount+applicable taxes
Aditya birla 9.00% onwardsUp-to 1% of the loan amount
RBL BANK 10.30%Min. Rs. 5000 of loan amount + applicable GST
AXIS 8.85%upto 1% of the Home loan amount subject to a minimum of Rs 10000
TATA CAPITAL 8.70%0.50% of the loan amount
Federal Bank 8.75% onwardsupto 1% of loan amount
IIFL 9.50%upto 0.75% of loan amount, or Rs. 3000
BAJAJ 9.05%upto 2 %
Kotak Mahindra Bank 8.35%upto 1.25% of the loan amount
HDFC 8.80% onwards0.5% of loan amount or Rs 3,000 whichever is higher, plus applicable taxes
IndusInd bank 9.50%upto 1% of loan amt.
Bank of baroda 8.75%0.50% of loan amount upto Rs. 50 lakhs, above Rs. 50 Lakhs is 0.25% of loan amount + GST

About kochi

Kochi is also known as Cochin. It is part of the district of Ernakulam in Kerala an Indian state. It is a major port city on the south-west coast of India bordering the Laccadive Sea. It is also part of the Greater Cochin region and has been classified as a Tier-II city by the India Government. Kochi is the most densely populated city in the Indian state Kerala. It used to be a fishing village in the Kingdom of Kochi in the pre-colonial Kerala. It is also popular as the "Queen of Arabian Sea".

For centuries Kochi was the center of the Indian spice trade, because of its a rich spice history. It was attracted by most of the foreign traders. There are many places in God’s Own Country, Kerala including beaches and backwaters, tea plantations and spice estates, hot steaming appams with stew and vibrant Kathakali performances.

Cochin has a different signature of history and tradition woven together with modernization. The places to visit in Cochin, especially the most attractive ones, are Mattancherry Palace, Kodanad Elephant Training Centre, Kadalkkara Lake Resort, Indo-Portuguese Museum, Paradesi Synagogue, Mangalavanam Bird Sanctuary, Santa Cruz Basilican, St Francis Church, Cherai Beach, Chinese Fishing Nets, Wonderla Amusement Park, Malayattoor, Athirapally Falls,Veeranpuzha Beach, Gowreeswara Temple Cherai, Shiva Temple, Hill Palace, Folklore Museum, Veegaland, Ernakulam Mahadeva Temple, Kathakali Center, Ginger House Museum Hotel, Munambam Beach, Marine Drive, Fort Kochi Beach, Bolgatty Palace And Island Resort, Chottanikkara Bhagavathy Temple, Princess Street, Kashi Art Cafe, and Museum of Kerala History,

About Home Loan in kochi

We eye to create a robust alternative credit ecosystem in the country. For this, we are digitizing the finance functions. Anywhere and everywhere – you can Apply for a Home Loan with just a few clicks.

Now, you can compare and make a wise choice for the best Home Loan in kochi also. We bring forth a myriad of options from best banks and NBFCs for your convenience. It’s simple! Choose your desired product and win amazing assured cash backs up to ₹ 5000 on the disbursal of your loan amount.

Eligibility Criteria for Home Loan in kochi

No worries for strict eligibility conditions. We tie-up with all the best lenders in the kochi and help you with flexible eligibility criteria. Salaried/self-employed/professionals – hope you meet the following eligibility parameters.

  • A salaried individual needs to be between 23 to 62 years
  • A self-employed individual needs to be between 25 to 70 years
  • The credit score should be 700+
  • A minimum of 2 year work experience is required for the salaried individual
  • A minimum of 3 year business continuity is required for self-employed people

Documents Required for Home Loan in kochi –

We leverage existing and emerging technologies to offer you the complete digitalized process. Upload the required documents; it will take a few minutes.

Salaried Class

  • Identity Proof - Aadhaar Card /Voters ID/Passport/Driving License /PAN Card/Photo Credit Card/Photo Identity Card issued by the Govt. of India
  • A recognized public authority or public servant issued letter establishing the identity of the customer (not more than 1 month old)
  • Residential Proof - Leave and License Agreement/Utility Bill (maximum three months old)/Passport/Voter ID Card/Aadhaar Card/Rent Agreement on Stamp Paper/Life Insurance Policy
  • Income Proof – Salary slips for the last three months along with the bank statement showcasing the credited salary. Latest Form 16/ITR
  • Employment Certificate – for the past 1 year
  • Photographs - Two passport size
  • Other Documents – Evidence to support running loans long with repayment bank statement for the past 6 months

For Self-employed

Identity Proof -

  • Aadhaar Card /Voters ID/Passport/Driving License /PAN Card/Photo Credit Card/Photo Identity Card issued by Govt of India

A recognized public authority or public servant issued letter establishing the identity of the customer (not more than 1 month old)

Address Proof for Business Entities –

  • Business Certificate/Trade License Certificate/SSI Registration Certificate/Registration Number issued by ROC

Proof of Income –

  • ITR for the last 2 years
  • Balance Sheet & P&L Account
  • 6 months account statement of business entity and savings account statement of individual

Running Loan & other Documents

  • Evidence to support running loans long with repayment bank statement for the past 6 months
  • Shareholding pattern list (certified by CA/CS)
  • Partnership deed (for partnership companies)

In addition to all the above documents, both salaried and self-employed people need to furnish the following property papers -

  • Copy of property documents
  • Copy of Agreement to sell
  • Buyer Agreement/Allotment Letter
  • Occupancy Certificate (in case of ready to move in property)
  • No Objection Certificate from the builder/society
  • Payments receipt made to the developer

Benefits & features of taking a Home Loan in kochi

Scale up your business to new heights with a business loan. At kochi, we have a plethora of options with added benefits. Everything is online – you don’t need to visit the bank.

Get ready to leverage the following benefits –

  1. Instant Approval – Yes. SBI, ICICI, HDFC, India Bulls, IIFL and other players are offering instant paperless approval for housing loan. At Afinoz, the lowest home loan rate is guaranteed because we bring forth best home loan players along with their offers under one roof.
  2. High Eligibility – Within few minutes, we will assess your home loan eligibility and suggest you the best available options in kochi. Our process is driven by automated technologies, and we help you get low EMI home Loan
  3. Balance Transfer – We will make you pay your EMI easily by reducing your debt amount. Transfer your Home Loan balance to save on money. Some lenders charge fee for a home loan balance transfer.

RBL Bank Limited

About

RBL Bank (Ratnakar Bank Limited) is one of the fastest growing private sector banks in India, headquartered in Mumbai, Maharashtra. Established in August 9, currently the bank operates through a network of branches, 99 banking outlets and 9 ATMs spread across 0 Indian states and union territories. In August 99, the bank obtained Scheduled Commercial Bank status. It is listed on both BSE (Bombay Stock Exchange) and NSE (National Stock Exchange).

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BANK OF BARODA

About

Bank of Baroda (BOB) is an Indian multinational banking and financial services institution headquartered in Vadodara in Gujrat, India. The bank was established on 0 July 908 and nationalized on 9 July 99 along with other major commercial banks of India. It has been termed as a profit-making public sector undertaking (PSU). The bank has 7 global branches including 7 India branches and 0 overseas branches. It offers a wide range of banking products and services including loans, credit and debit cards etc.

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VYTTILA , ERNAKULAM