SBI Home Loan Login: Secure Access to Your Account

SBI is the largest lender in India. The bank has helped over 30 million families in buying their houses.

Features of SBI Home Loan

• Loans available according to individual’s needs
• Loans available at lower interest rates
• Loans available at lower processing fees
• Loans available without hidden charges
• Loan available without pre-payment fines
• Loan’s interest available on daily reducing balance
• A loan’s repayment can expand up to 30 years
• Loan available as overdraft
• Women borrowers will get a loan at reduced interest rates   

What are the eligibility criteria to apply for SBI home Loan?

• Nationality: Indian
• Age 18 years to 70 years
• Loan tenure: Up to 30 years

All about Elector Photo Identity Card (EPIC)

Applicable documents required while applying for SBI Home Loans

1. Employers Identity Card
2. Completed Loan application with 3 passport-size photographs
3. Identity proof: PAN card. Passport, Driver’s License or Voter Id card
4. Residence Proof: Telephone bill copy, electricity bill copy, gas bill copy, passport copy, driving license copy or Aadhaar card

Property papers

1. Paper of permission for construction of the residence 
2. Registered agreement for sale in Maharashtra, allotment letter, or stamped agreement for sale
3. Copy of occupancy certificate
4. Share certificate required in Maharashtra, maintenance bills, electricity bills, or property tax receipt
5. Approved plan copies with xerox blueprint and registered development agreement of the builder, conveyance deed
6. Payment receipts from the buyer’s bank account to the seller’s bank account

Account statements

1. Last six months of transactional bank statements from each bank held by the applicants.
2. One year of Loan A/C statements, if applicable 

Income proof for salaried individual

1. Last 3 months of salary slip or certificates
2. Copy of Form 16 or copy of IT returns for 2 years each with IT dept acknowledgement 

Income Proof for non-salaried individual

1. Address proof of business
2. 3 years of IT return copy
3. 3 years of Balance sheet and profit and loss account
4. Details of business license 
5. TDS certificate 
6. Audit copy of accounts or equivalent qualification certificate

SBI Home Loan Login: Through the portal

• Visit the homeloans.sbi website.
• On the top right corner, click the login button.
• Enter your INB username and INB password.
• Enter the Google captcha code.
• Click on submit, and now you will be logged in to the SBI Home Loan website.

 

SBI Home Loan login on mobile application

• Download the ‘SBI Mobile App’ from the Google Play Store or App Store.
• Register your mobile on the app, and you will receive an OTP.
• Enter your OTP and your INB username.
• Create a new password after the first login.
• Enter your INB username and your new INB password.
• You will be logged in.

 

SBI home loan interest rate

State Bank of India has increased its repo-rate linked lending rate to 7.55% from 7.05%, effective from June 15, 2022. 

 

What are the processing fees for SBI Home Loans?

Home Related Process	Process fees
Regular Home Loans	0.35% of the total loan amount with additional GST A minimum of Rs 2000 with additional GST A maximum of Rs 10,000 with additional GST
Other than home loans NRI, Realty, Maxgain, CRE, Non-salaried, etc	0.35% of the total loan amount with additional GST A minimum of Rs 2000 with additional GST A maximum of Rs 10,000 with additional GST
Top-up for home loans	0.35% of the total loan amount with additional GST A minimum of Rs 2000 with additional GST A maximum of Rs 10,000 with additional GST
Personal loans against property  (P-LAP)	1% of the total loan amount with additional GST A maximum of Rs 50,000/ with additional GST
YONO Insta Home Top-Up Loan  (Digital Product)	Rs 2000 with additional GST
SMART Home Top-up Loan	Rs 2000 with additional GST
Insta Home Top-Up Loan	Rs 2000 with additional GST
Reverse Mortgage Loan	0.50% of the total amount with additional GST A minimum of Rs 2000 with additional GST A maximum of Rs 10,000 with additional GST
Earnest Money Deposit (EMD) Scheme	0.50%
Suraksha Loan	Nil
Privilege and Shaurya Home Loans	Nil
PMAY	Nil
Apon Ghar (HL up to Rs 15 lacs)	Nil
Kerela Govt Employee Home Loan Scheme	Nil
Staff Home Loan  SBI Pensioners Home Loan	NIl

Check out: Know about SBI IFSC code