1. Marketing Mix Strategies InMarketing Mix Strategies In
ICICI BankICICI Bank
ICICI Home LoanICICI Home Loan
Since making its maiden venture in theSince making its maiden venture in the
home loan segment in 1999,home loan segment in 1999,

2. ProductsProducts
 ICICI 'Max Money' Home Loans offer theICICI 'Max Money' Home Loans offer the
uniqu Products e advantage of higher loanuniqu Products e advantage of higher loan
eligibility, with a lower initial installment.eligibility, with a lower initial installment.

3.  ICICI 'SmartFix' Home Loans combine theICICI 'SmartFix' Home Loans combine the
safety of fixed rates plus the advantages ofsafety of fixed rates plus the advantages of
floating rates.floating rates.
 ICICI Bank offers Home ImprovementICICI Bank offers Home Improvement
Loans for renovation .Loans for renovation .

4. FeaturesFeatures
 ICICI bank offers home loans for the firstICICI bank offers home loans for the first
purchase in ready construction, underpurchase in ready construction, under
construction property, purchase in re-sale,construction property, purchase in re-sale,
self construction and extension of existingself construction and extension of existing
living space.living space.
 The loan amount can be up to 80% of theThe loan amount can be up to 80% of the
Cost of PropertyCost of Property

5.  The applicant can conveniently repay the loanThe applicant can conveniently repay the loan
over a period up to 25 years.over a period up to 25 years.
 ICICI bank offers home loans for the firstICICI bank offers home loans for the first
purchase in ready construction, underpurchase in ready construction, under
construction property, purchase in re-sale, selfconstruction property, purchase in re-sale, self
construction and extension of existing livingconstruction and extension of existing living
space.space.
 The loan amount can be up to 80% of the Cost ofThe loan amount can be up to 80% of the Cost of
Property.Property.
 The applicant can conveniently repay the loanThe applicant can conveniently repay the loan
over a period up to 25 years.over a period up to 25 years.
 The bank provides the choices of both FloatingThe bank provides the choices of both Floating
rate of Interest or at the Fixed rate of Interest orrate of Interest or at the Fixed rate of Interest or
at the combination of both Fixed & Floating rates,at the combination of both Fixed & Floating rates,
for the repayment of the home loanfor the repayment of the home loan

6. EligibilityEligibility
 The loan must terminate before or when theThe loan must terminate before or when the
borrower turns 65 years of age or beforeborrower turns 65 years of age or before
retirement, whichever is earlier.retirement, whichever is earlier.
 The applicant must be 21 years of age, at theThe applicant must be 21 years of age, at the
time when the loan amount is sanctioned.time when the loan amount is sanctioned.
 The applicant must be either self employed orThe applicant must be either self employed or
salaried individual, with a regular source ofsalaried individual, with a regular source of
income.income.

7.  the applicant is an NRI, An Indianthe applicant is an NRI, An Indian
resident, whether salaried or self-resident, whether salaried or self-
employed, can apply for ICICI Home Loan.employed, can apply for ICICI Home Loan.
In case if he/she should be salariedIn case if he/she should be salaried

8. Documents RequiredDocuments Required
 For Salaried ApplicantFor Salaried Applicant
 Completed Application Form with OneCompleted Application Form with One
Passport Size PhotographPassport Size Photograph
 Identity, Residence Address and Age ProofIdentity, Residence Address and Age Proof
 Fee ChequeFee Cheque
 Signature Verification ProofSignature Verification Proof
 Last 3 months Salary SlipLast 3 months Salary Slip
 For Self-Employed ApplicantFor Self-Employed Applicant

9.  Duly Completed Application Form withDuly Completed Application Form with
One Passport Size PhotographOne Passport Size Photograph
 Identity, Residence Address and AgeIdentity, Residence Address and Age
ProofProof
 Income Tax Return / Computation ofIncome Tax Return / Computation of
Total Income / Auditors Report / BalanceTotal Income / Auditors Report / Balance
Sheet / Profit & Loss Account certified bySheet / Profit & Loss Account certified by
Chartered Accountant for last 2 years (3Chartered Accountant for last 2 years (3
years for Home Equity) (both for businessyears for Home Equity) (both for business
and personal of partners/directorsand personal of partners/directors

10.  Bank Statement for last 6 month from operatingBank Statement for last 6 month from operating
accountaccount
 Repayment Track record of existing loans /Repayment Track record of existing loans /
Loan closure letterLoan closure letter
 Board Resolution in case of a companyBoard Resolution in case of a company
 Signature Verification is required to be providedSignature Verification is required to be provided
for all the main partners / directorsfor all the main partners / directors

11. BenefitsBenefits
 ICICI home loans come with benefits likeICICI home loans come with benefits like
easy interest rates, simplifiedeasy interest rates, simplified
documentation, doorstep service and freedocumentation, doorstep service and free
personal accident insurance.personal accident insurance.
 The facility of 'Loan On Phone' is beneficialThe facility of 'Loan On Phone' is beneficial
for salaried or self-employed residents offor salaried or self-employed residents of
India, applying for an ICICI Home Loan.India, applying for an ICICI Home Loan.
The facility provides easy loan to theThe facility provides easy loan to the
customer, with minimum documentation.customer, with minimum documentation.

12. Dr. ALOK DWIWEDIDr. ALOK DWIWEDI