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BEST FOR

Sanctioned Home Loan Customers

  • First-Time Home Buyers

  • Resale Property Buyers

  • Builder Property Buyers

  • Customers Seeking EMI Flexibility

 

 

 

About the Product

What is Home Loan Disbursement?

It’s the final step after sanction, where the approved loan amount is released to the builder or seller based on construction stage and documentation.

Seller Verification Process

For resale purchases, ICICI Bank physically verifies seller identity and account details through PAN/Aadhaar and bank statements to ensure transaction genuineness.

Choosing EMI Date

You can select your EMI date — 1st, 5th, 10th, or 15th — to match your cash flow and salary cycle.

Disbursement Modes

The loan can be disbursed in parts (as per construction stage) or as a lump sum in resale transactions.

Document Submission

All final property, seller, and demand documents must be submitted before disbursement. Originals may be required in select cases.

FAQs

When will my Home Loan be disbursed?

Once sanction, evaluation, and documentation are completed, funds are released based on property stage.

What is seller verification?

A physical check to validate the seller’s identity and banking details mandatory for resale purchases.

Can I choose my EMI start date?

Yes, you can choose from 1st, 5th, 10th, or 15th of any month.

Is disbursement done in one go?

It depends under-construction properties may receive part disbursements; resale usually gets full release.

How can I track my loan disbursement?

Visit the Track My Loan portal or contact your Relationship Manager for real-time updates.

Disclaimer

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