If you have only 1500 rupees in your bank account then your dream of your own house can be fulfilled. ICICI Home Finance has launched a new loan scheme ‘Apna Ghar Dreamz’ for skilled workers working in the unorganized sector in Delhi. Under this, loans ranging from Rs 2 lakh to Rs 50 lakh can be taken. The company said in a release on Wednesday that the plan includes carpenters, electricians, tailors, painters, welding workers, tap fixers (plumbers), vehicle mills, manufacturing machine makers, RO fixers working in the city , For small and medium business, grocery shoppers.
For loans above Rs 5 lakh, the minimum amount of Rs 3,000 is in the account.
ICICI Home Finance said that the loan scheme is for those working in the unorganized sector who want to buy their home, but do not have the documents which are usually demanded by banks and financial institutions for lending . Under this scheme, customers can take a loan for 20 years.
Documents required for loan
In the form of documents, all they need to do is provide PAN (Permanent Account Number) and Aadhaar and six months bank account details. For loans up to five lakh rupees, minimum of Rs 1,500 while for loans above Rs 5 lakh, minimum of Rs 3,000 should be in the account.Anirudh Kamani, Managing Director and CEO (Chief Executive Officer) of ICICI Home Finance Company, said, “Our aim at ICICI Home Finance is to fulfill the dream of hard working professionals and local small businesses in the unorganized sector to buy their home.” To offer a loan.
The company said that customers can also take advantage of the Pradhan Mantri Awas Yojana (PMAY). It is a credit linked subsidy scheme for the lower income group / economically weaker sections (EWS / LIG) and middle income group (MIG-1 and 2). Under this scheme, a borrower can get a maximum subsidy of up to Rs 2.67 lakh.