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Loan offerings > Home Loan

Loan for New Home

Dreaming of Constructing or Purchasing a House? Then let your dream come true immediately & effortlessly. You can benefit from affordable OCHFL Home Loans if you are seeking a home loan as an Individual.

Amount of loan

You can avail a Home Loan of up to Rs. 90, 00,000-/ but not exceeding 80% of the cost of property / estimate. The actual loan amount is determined taking into account factors like :

  • Repayment capacity
  • Educational qualifications
  • Stability and continuity of income
  • Number of dependents
  • Co-applicant's income
  • Assets
  • Liabilities
  • Saving habits etc.

Loan tenure & EMI

The tenure of your Home Loan ranges from 1 to 20 years. The term of loan however does not extend beyond 75 years age of customer. The size of EMI depends on :

The size of EMI depends on:

  • Quantum of loan
  • Interest rate applicable
  • Loan tenure

Special payment schemes:

One can enjoy the exclusive 'Regressive Payment Scheme' if one is a home loan seeker due for retirement within the term of the loan and have applied jointly with an eligible One Younger co-applicant.
One can prepay the loan, ahead of the contracted schedule in part or full, subject to payment of nominal fees / charges as stipulated by OCHFL from time to time.

Our existing Fixed Prime Lending Rate (FPLR) - 15%. Applicable ROI: FPLR-1% i.e. 14 %

Check your eligibility criteria and EMI using the links below.

EMI Calculator  |   Loan Eligibility  |   FAQ  |   Check List  |   Application Form
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