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SBI Home Loan

SBI Home Loan

This is one of the first choice that loan applicants look for a home loan. There are multiple schemes under the home loan division that offer every customer an opportunity to go for their dream home. To name a few are SBI Maxgain, SBI Realty, SBI Home Plus & NRI Home Loans. The low interest rates, ease of application, minimal processing fee, no prepayment fees are few of the features that distinguishes these products from the rest.


SBI Home loan Fees Charges and Intrest Rates

Interest Rate : For women - 9.3%
For General Customers - 9.35%
SBI Flexipay - 9.35%

Processing Fees : 0.35% of Loan Amount, Maximum of Rs.11,500

Loan Tenure : 30 years
SBI Flexipay - 25 to 30 years

Guarantor  : No Requirement

Pre-closure Charges :  Nil

Check the factors first

EMI you are eligible up to 50 % of income.

Finances 80 % of project value

Any other EMI can lower down your eligibility

Know if you’re eligible for the loan

Minimum entry age: 18 years

Maximum age: 60 years

Income: Salaried & self employed

Why don’t you increase your loan eligibility?

Add Co applicant as your spouse her income can also be added to increase your eligibility

Choose longer tenure for eligibility maximisation.

Add your parent also as co applicant and increase your eligibility

What are the documents needed?


1. Application form with photograph duly signed

2. Processing fees

3. Latest  6 months Statement of bank account

4. ID Proof with Photo

5.Address Proof with Photo

6. Documents required for self employed

  • Proof of business existence
  • Last 3 years Income tax returns with computation of income
  • Last 3 years balance sheet and Profit /loss statement duly certified by CA

7. Documents for salaried

  • Income Tax statement or Form 16
  • salary slip of latest three month