Easy India Loans

India’s second largest bank with about 614 branches and extension counters, ICICI bank offers a wide range of services ranging from investment banking, life and non life insurance, venture capital and asset management .ICICI offers a variety of loans which are suited to match different requirements.
 

Home Loans
These loans are offered at attractive rates of interest with amounts starting from 2 lakhs with a tenure pt 20 years. The other benefits offered are free personal accident insurance, insurance options for one’s home at an attractive premium and special 100% funding for select properties. The bank also gives the option of selecting a loan that would suit one’s needs the most. So one could choose from an adjustable rate home loan, fixed rate home loan, part fixed floating rate home loan, smart fix home loan, money saver home loan as well as balance transfer of one’s existing home loan from other banks.   ICICI also disburses land loans, office premises loans, home improvement loans, and home loans for NRI’s. It is also possible to leverage one’s existing property and get a loan against property, property overdraft or lease rental discounting and all of these are available on an adjustable rate or a fixed rate.

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The distinctive feature of a personal loan is that there is no security, collateral or guarantors required to be given in order to avail of this loan and this loan can be used for anything that one desires be it a car, jewelry or a holiday or a sudden vacation planned with the family, basically to fulfill any requirement. Personal loans are time related i.e. one may need it for a daughters marriage, to buy some necessary consumer durables or retire some old debts.The eligibility of an individual for a personal loan is and the amount of the loan is arrived at after taking into account his net take home salary. The tenure of the loan could vary for one to five years and repayment is in monthly installments or EMI’s as they are called.

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