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GIC Housing Home Loan
A Home of their own is still a Dream for millions of people, the sole reason being Financial instability. Finding a source of Financial Support that works in your favour with all its terms and conditions is a rare sight to experience. But what if we tell you it is possible now? We are talking about a lending institute where the first priority is always the borrower's preference - GIC Housing Home Loans.Powered By
GIC Housing Home Loan
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Here are a few factors
| Loan Amount | 10Lac to 2Cr. |
| Interest Rates | 8.80 onwards |
| Log In Fees | Rs.2950/- |
| Repayment Tenure | 15 to 30 years |
| Working Tat | 10 Days |
| Location | Delhi/NCR |
| CIBIL Score | 650+ |
| Co-Applicant Requirement | Yes |
| Foreclosure Charges | NIL |
| Part Payment Allowance | Yes |
| Negative Profile | Only Dominated Area , Cash Salary, Applicants without ITR |
Required Eligibility
The age of the applicant must be between 21+ ( for both salaried and self-employed)
Indian Residents, as well as NRIs, are eligible to apply
The applicant must have a stable monthly source of income
The applicant must have a Cibil score of a minimum of 650
GIC Housing Home Loan Products
Individual Housing Loan
Composite Loans
Repair and Renovation Loan
Home Extension Loan
Affordable Home Loans
Required Documents
KYC Documents
ID & Address Proof (Any One Required)
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PAN card (Mandatory if income is considered )
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Voter ID car loan eligibility calculation
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Valid Passport, Driving licence, Aadhar Car
Residence Proof (Any One Required)
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Utility Bill: Electricity, Telephone, Postpaid mobile, water bill etc.
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Ration card , Letter from employer
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Bank statement /copy of Passbook reflecting address , Valid Rent Agreement
Property Documents
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Allotment letter from builder
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Agreement of Sale
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Registration and stamp duty receipt
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NOC from builder
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Own Contribution Receipt (OCR )
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All builder-linked documents (Applicable for cases which are not approved or previously not funded by GICHFL)
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Development Agreement
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Tripartite Agreement
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Partnership Deed
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Sale Deed
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Title Search Report
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NA order
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Occupancy Certificate
Income Documents
Salaried Individuals
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Salary slips for the last 12 months or salary certificate*
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Copy of bank statements for the past 6 months (salary account)
Self-Employed Professional
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Certificate of qualification for professionals: CA, Doctors or Architects
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Copy of last three years’ income tax returns, along with computation of income
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VAT or Service Tax or GST returns or TDS Certificate
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Bank statement for the last 12 months (Savings account, current account and O/D account)
Business Class
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Copy of your last three years’ income tax returns, along with computation of income
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Copy of last three years' P/L account with all schedules and audited balance sheet, wherever applicable
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VAT or Service Tax returns or GST or TDS Certificate
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Bank statement for the last 12 months (Savings account, current account or an O/D account)
FREQUENTLY ASKED QUESTIONS
GIC Housing Home Loan is a lending service designed to help individuals purchase, build, or renovate their homes with borrower-friendly terms and conditions.
GIC Housing offers:
- Individual Housing Loans
- Composite Loans
- Repair and Renovation Loans
- Home Extension Loans
- Affordable Home Loans
The loan amount ranges from ₹10 lakhs to ₹2 crores, depending on eligibility and other factors.
Applicants must meet the following criteria:
- Indian residents or NRIs
- Aged 21+
- Stable monthly income
- CIBIL score of 650 or higher
Yes, a co-applicant is required.
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