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Loan Faqs
Faq

How is a personal loan different from a loan against property, shares or gold? :

LAP - Loans against Property, loans against shares or gold are a more sensible option in comparison to an unsecured personal loan if one needs to pay back the bank over a longer time frame. The loan amount one is eligible for is dependent on the value of the property and the interest rates are...
Faq

Do I need to open an account with the Bank for availing and/or servicing the loan? :

No, opening an account with the bank you are availing the loan from is not mandatory. However, you can avail of special interest rates if you already have a relationship with the bank.
Faq

Can I take a loan against another property if I have a home loan from a bank? :

Yes, some banks offer this facility to take a loan against any other property. For inquiry contact the home loan lending bank.
Faq

How is my loan eligibility determined? :

Loan eligibility differs from bank to bank. The main factor the bank considers is your ability to repay the loan. Your profile in terms of residence and the place you work is also taken into consideration. Do make sure to check all such other eligibilities before applying.
Faq

How do I repay the loan? :

The loan can repaid through post dated cheques drawn on ICICI Bank Ltd. Alternately, if you have a Bank account with ICICI Bank, you can issue a direct debit mandate to your existing ICICI Bank account for the repayment.
Faq

What is a Personal loan? :

Whenever you have an urgent need of cash, personal loan is the best way to take care of your cash crunch at a reasonable rate of interest. You don\'t have to give any security or collateral to the bank. Normally, the bank does not ask for guarantors either. Once you submit your application form...
Faq

Can I get another loan for further education? :

Second time Education Loan can be sanctioned to the same student borrower for completion of next higher course at the discretion of the Bank. A student who has taken the loan for a Bachelors degree can apply for another loan for the completion of Master's degree.
Faq

How is the loan amount disbursed? :

The fee for all years is normally disbursed to the college/institute directly by the bank. While applying for a loan, the bank will verify the tenure of the course and determine its total cost as applicable at that point of time. Every year, you are required to submit a form to the bank which...
Faq

How do I repay my loan? :

You can repay the loan in Equated Monthly Installments (EMI's) through post dated cheques (PDC)or by signing an ECS(Electronic clearing system ) with the account that you hold .Mostly these cheques/ECS are presented on 1st of each month ,so please do confirm with the bank on that respect. If you...
Faq

If I do not meet all the criteria for the loan, can I still avail of a loan? :

Yes, it is possible for you to avail of a loan even if you do not meet all the criteria, at the discretion of ICICI Bank.
Faq

Can the amount of loan be increased or decreased even after it has been sanctioned? :

Yes, the loan amount can be changed any time before disbursement. Any increase in loan amount will however be subject to the eligibility conditions. The bank might also charge you excess fees on requesting an increase in the loan amount. However, the bank is not obliged to return excess fees paid...



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