One Friday evening, while scrolling through Instagram, he saw an ad: “ICICI Bank Home Loan – Sanction in 48 hours. Flexible down payment options.” He scoffed. “All ads are lies,” he told Meera.
The loan was disbursed in two parts. The final disbursement happened on a Thursday morning. By 3 PM, Rohan got the SMS: “Your loan amount has been credited to the builder’s account. Your EMI will start Nov 5th.” home loan icici bank
Over the next two weeks, the legal and technical verification happened. ICICI sent a lawyer to check the property’s title and an engineer to assess construction quality. The only “hiccup” was a missing signature on an old sale deed from 1995. One Friday evening, while scrolling through Instagram, he
Most banks would have stalled for a month. But ICICI’s team contacted the builder, traced the previous owner, and got an affidavit done in three days . They didn’t make Rohan run from office to office. The loan was disbursed in two parts
When his cousin took a loan from another bank and got stuck with hidden charges, Rohan smiled. “Should have gone to ICICI,” he said.
He noticed a button: “Part Payment” and “Increase EMI” . No prepayment penalty for floating rates. ICICI had built exits into the contract, not traps.