Personal Loan
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Home Loan Employees

Purpose :

  • For construction / acquiring of new or existing house/flat not older than 30 years.
  • For extension in the existing house/flat.
  • For repairs / renovation / alteration of existing house / flat.
  • Finance may be granted for purchase of plot obtaining declaration from the borrower that he/she/they undertake to construct the house on the plot within the period of two years.

Eligibility :

All Permanent Employees of Central/State Governments, PSUs of Central Government

Quantum of loan

  • 90% (for loans up to Rs.20 lakh) 80% (for loans above Rs.20.00 lakh and upto Rs. 75 lakh) and 75% (for loans above Rs.75 lakh) of the cost of construction / purchase of new / existing home/flat or cost of extension of existing home/flat,(including cost of land)
  • 75% of the cost of repairs/renovations/alterations of existing house/flat subject to a maximum of Rs.10.00 lakh
  • 75% of the cost (registered value) of Plot after complying with Net Take Home Pay/Income norm.

* Subject to Net Take Home Pay/Income norm.

Margin :

  • Loans upto Rs.20.00 lakh :
    1. Minimum 10% for construction / purchase of new/existing flat / house extension.
    2. Minimum 25% for repairs / renovation / alteration of existing house/ purchase of plot.
  • Loans above Rs.20.00 lakh and upto Rs.75.00 lakh :
    1. Minimum 20% for construction / purchase of new / existing flat / house /extension of house.
    2. Minimum 25% for repairs / renovation / alteration of existing house/ purchase of plot.
  • Loans above Rs.75.00 lakh :

  • Minimum 25% for construction / purchase of new / existing flat / house /extension of house and for repairs / renovation / alteration of existing house/ purchase of plot

Security :

  • Equitable / Registered mortgage of the property being financed.
  • Where mortgage of the property being financed is not possible, for instance, in case of purchase of house/flat on first power of attorney, other tangible securities such as mortgage of some other property, pledge of bank's FDR/ LIC policy/Govt. Securities, NSCs, KVPs, IVPs, Bonds, etc. equal to 125% of the loan amount may be taken as security.

Guarantee :

No Guarantee

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
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Cent Computer Download Word Document Format
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Cent Liquid Download Word Document Format
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Cent Mortgage Download Word Document Format
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Cent Trade Download Word Document Format
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Cent Vyapari Download Word Document Format
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Housing Loan Application Download Word Document Format
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Cent Home Loan Plus Download Word Document Format
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Cent Suvidha Download Word Document Format
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Cent Vehicle Download Word Document Format
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Cent Vidyarthi Download Word Document Format
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Cent School Download Word Document Format
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Teacher's Loan Download Word Document Format
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Cent Rental Download Word Document Format
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Cent Doctor Download Word Document Format
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Cent Swabhiman Download Word Document Format
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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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