Home Loans in
Kolkata
The joyful city of West Bengal, Kolkata, is one of the safest cities in India, so why won't anyone prefer buying a home here? Aspiring home buyers can easily apply for a home loan in Kolkata and make their dreams come true with the help of several established financial institutions. Home loan Kolkata rate of interest starts at 8.50% per annum. To repay the loan amount, an applicant can get a maximum of 30 years from the top lending banks and housing finance Kolkata companies. Applicants may need to pay a processing fee for a home loan ranging between 0.25% - 0.50% on the loan amount for each such application.
Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Home Loan Interest Rates in Kolkata
The best home loan rates Kolkata start at 8.50% per annum. However, remember that home loan rates in Kolkata may vary for different banks and NBFCs and might fluctuate as per the RBI's current repo rate. Some banks also offer concessional interest rates on housing loan schemes for women borrowers.
| BASIC Bank/NBFC Partner Name | Max Tenure (in years) | Rate of Interest | Processing Fees (INR) | Contact |
|---|---|---|---|---|
 LIC HFC | 30 | 8.50% | Up to 0.25% (Rs. 25,000 max) | |
 HDFC Bank | 30 | 8.65% - 9.85% | Up to 0.25% (Rs. 3,540 min) | |
 ICICI Bank | 30 | 8.75% onwards | 0.50% - 2.00% of the loan amount | |
 PNB Housing | 30 | 8.75% - 11.45% | Up to 0.50% (Rs. 10,000 max) | |
 Karur Vysya Bank | 30 | 9.23% onwards | Rs. 2,500 - Rs. 7,500 | |
 Indian Overseas Bank | 30 | 9.35% | Up to 0.50% of the loan amount | |
 Cholamandalam Housing Finance | 30 | 9.00% - 20% | Rs. 5,000 + GST | |
 Aavas Financiers Ltd | 25 | 13.00% - 17.00% | Min 1.00% | |
 Tata Capital Ltd. | 30 | 8.95% onwards | 0.25% of the loan amount (Max: Rs. 3,540) |
Eligibility Criteria for Home Loans in Kolkata
These criteria are subject to variation from one bank to another. It is recommended that you check with the specific bank you are applying to for a home loan for its eligibility requirements.
Documents Requirement for Home Loans in Kolkata
Be ready with the required set of documents for home loan in Kolkata, and your application may get rejected. For your convenience, we are now putting together a list of essential KYC documents required from salaried and self-employed individuals who apply for housing loans in Kolkata:
|
|
| Proof Of Residency | Aadhaar Card, Valid Passport |
| Proof Of Income | Bank Passbook, Bank statement, Last 3 years IT Return |
| Proof Of Age | PAN Card, Voter ID, Birth Certificate, Registration Certificate Of Establishment |
| Proof Of Employment | Certified Letter from Employee/Company Memorandum |
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