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Re: Ratnakar Bank Home Loan Overview of the Home Loan at RBL RBL Bank New Home Loans are a perfect solution to fulfil your dream home requirement. RBL Bank Home Loan can be availed by Salaried Individuals, Self-Employed Individuals and Self-Employed Professionals with minimal documentation and faster approvals. Features of the Home Loan : You can avail home loans to the tune of Rs. 10 crore. The repayment period of the loan can be as many as 25 years. Easy Home Loan is designed for faster repayment, thereby helping you save interest on the loan amount. Under this plan, you can save interest by maintaining balance in a linked account. There are no foreclosure charges for either full pre-payment or partial pre-payment under the floating rate housing loan. Eligibility Criteria RBL’s housing loan is available only to Indian residents. Salaried persons as well as self-employed businesspersons and professionals can take home loan from RBL Bank. Salaried persons Self-employed persons Minimum age 24 years 24 years Maximum age at loan maturity 60 years 65 years Minimum income Rs 1.2 lakh Rs. 1.5 lakh Required Document PAN Card Proof of identity: Voter’s ID or Driving License or Passport or any valid Photo ID card issued by Central or State Government Proof of address: Voter’s ID or Driving License or Passport or Telephone Bill or Electricity Bill or Registered Lease Deed/Sale Agreement or Bank Statement or any valid Photo ID card issued by Central or State Government Business continuity proof: Any of the following documents dated 5 years old – Bank Statement or Sales Tax Challans or IT Returns or Shops & Est. Certificate or COI or Partnership Deed Passport-size photographs Income proof: Salaried persons need to produce: Income Tax Returns (ITR) for the last 2 years, Payslips for the previous 3 months, or Latest Form 16 issued by the employer. Businesspersons have to submit: Latest audited ITR, financials such as Balance Sheet, Profit & Loss accounts, Computation of Income, etc. Interest Rates Loan amount Interest Rate Up to Rs.25 lakh 10.4% (1 year MCLR) Rs.25 lakh to Rs.75 lakh 11.65% (MCLR + 1.25%) More than Rs.75 lakh 11.65% (MCLR + 1.25%) Fixed rate loan for 3 years 13.5% Easy Home Loan: up to Rs.25 lakh 10.9% (MCLR + 0.5%) Easy Home Loan: Rs.25 lakh to Rs.75 lakh 12.15% (MCLR + 1.75%) Easy Home Loan: More than Rs.75 lakh 12.15% (MCLR + 1.75%) |
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