Personal Loan
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Cent Home Loan Scheme

Purpose :

  • For construction/ acquiring of new home /flat or for acquiring existing home / flat which has remaining life of applied loan tenure plus 10 years.
  • For repairs/renovation/alteration of existing home/flat

Eligibility :

  • Individuals , Groups of individuals , who have attained 18 years ( completed) as on date of application and including Cooperative Societies , having a legal, identified and regular source of income either singly or jointly with Parents, sons, spouse.
  • NRI are also eligible for Housing loan,

Quantum of Loan :

Depending on repayment capacity of borrower & value of property.

Margin :

Loan Amount Home loan as percentage of Cost of Home/flat
Upto Rs.20.00 Lakhs 90%
Above Rs. 20.00 lakhs – up to Rs. 75. 00 lakhs 80%
Above Rs. 75.00 Lakhs 75%
For repairs / renovation / alteration of existing house/ purchase of plot. 75%

Repayment:

  • Maximum period of 30 years or on borrower reaching the age of 70 years whichever is earlier.
  • 10 years in case of Repair/Renovation

Rate Of Interest :

MCLR (Floating)

Moratorium period:

Maximum upto 36 months

Processing Charges:

0.50% of the Loan Amount subject to maximum Rs.20,000/-

Loan Application Forms

Loan type Forms
Application Form 1 for Loan of Rs.5 Crore to Rs.15 Crore Download Word Document Format
Download PDF Format
Application Form 2 for Loan of Rs.15 Crore to Rs.40 Crore Download Word Document Format
Download PDF Format
Application Form 3 for Loan of Rs.40 Crore and above Download Word Document Format
Download PDF Format
Standardised Common Loan Application Form for Agriculture Credit Download PDF Document Form
Common Application Form (Required for all loan schemes). Download Word Document Format
Download PDF Format
Cent Buy Download Word Document Format
Download PDF Format
Cent Computer Download Word Document Format
Download PDF Format
Cent Liquid Download Word Document Format
Download PDF Format
Cent Mortgage Download Word Document Format
Download PDF Format
Cent Trade Download Word Document Format
Download PDF Format
Cent Vyapari Download Word Document Format
Download PDF Format
Housing Loan Application Download Word Document Format
Download PDF Format
Cent Home Loan Plus Download Word Document Format
Download PDF Format
Cent Suvidha Download Word Document Format
Download PDF Format
Cent Vehicle Download Word Document Format
Download PDF Format
Cent Vidyarthi Download Word Document Format
Download PDF Format
Cent School Download Word Document Format
Download PDF Format
Teacher's Loan Download Word Document Format
Download PDF Format
Cent Rental Download Word Document Format
Download Word Document Format
Download PDF Format
Download PDF Format
Cent Doctor Download Word Document Format
Download PDF Format
Cent Swabhiman Download Word Document Format
Download PDF Format
Personal Loan for Pensioners Download Word Document Format
Download PDF Format
Personal Loan to Employees of Corporate Sector Download Word Document Format
Download PDF Format
Personal Loan to Employees of Non-Corporate Sector Download Word Document Format
Download PDF Format
Loan to LIC Agents Download Word Document Format
Download PDF Format
Loan to MSEs Download PDF Format
Cent Sahyog (form for upto 10 lakhs) Download PDF Format
Cent Sahyog (form for above 10 lakhs) Download PDF Format
Application for Agricultural Loans Download PDF Format
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