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SBI - Home Loans

Loan Amount Ist women applicant Normal applicant Processing Fees
Up to 75 Lacs 10.10% 10.15% Up to 25 Lacs 0.25%
Above 75 Lacs 10.25% 10.30% Above 25lacs Rs.6500

  • For Take Over Processing Fee will be Rs. 1000 only +
  • Advocate Fees: Rs 4,000/- Valuation Fees: Rs 1686/- Cersai Charges Rs.562/-
  • Franking Notary charges - 0.20% of loan amount + Rs 1,500

Basic components for calculation of loan(For Funding of loan):


  1. Basic cost of flat (Agreement cost / value)
  2. Service tax @ 3.09% on agreement value.
  3. Vat @ 1% on agreement value.
  4. MSEB charges (If included in Agreement)

  • House Property Insurance: Compulsory
  • LIFE INSURANCE (if not covered): Compulsory
  • SBI - MAX GAIN Account facility available.

Key Features


  • Max gain account Facility
  • Loan up to 30 years
  • Daily reducing balance interest rate
  • Prepayment of loan NIL if paid from own sources

Documents Required for Sanction Salaried:


  1. Application for completed with 2 photo duly filled in and signed
  2. ID Proof: Pan Card & Last Qualification Proof
  3. Residence Proof: Letter from Employer/ Bank statement containing address for last 6 month/ Latest Electricity bill/ Latest Telephone Bill.
  4. Salary slip for last 3 months & Two years form 16
  5. Appointment Letter with Latest CTC & Confirmation Letter
  6. Original Bank Statement of salary A/C for last 6 months updated.
  7. Investment Proof & Repayment Track if any.

Take Over Of Loan


  • List of doc. From Bank which is to be transfer
  • Third party guarantor- Doc. Para I & II
  • Fore closure letter from Bank( Latest Outstanding Letter)
  • Sanction letter
  • Track Record of loan account

In case of Balance + Top up / Re Sale property (Need following additional documents):


  1. All Chain Copies of Registered Agreement with INDEX II & Registration Receipt from Vendor.
  2. Sanction Plan - Certified Blue Print Copy.
  3. Latest Property Tax Paid Receipt.
  4. Society Registration copy, if Society formed.
  5. Copy Of Share Certificate issued by Society.
  6. List Of Documents, if loan availed by Vendor / from your Bank.
  7. Completion Certificate / Possession letter.
  8. Latest Search Report from Advocate.
  9. Interim NOC from Society / Builder.


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