Step-Up Repayment Method: EMI is set at a value lower than the normal EMI for initial months and for the remaining tenure it is set at a level higher than the normal EMI.For borrowers engaged in agriculture or allied activities, Equated Quarterly Instalment (EQI) instead of EMI may be permitted.Repayment period of 15 years in case of repair & renovation.Repayment period of up to 30 years in case of purchase/ construction.Moratorium period of up to 48 months in case of Composite Home Loans from the date of first disbursement OR upto the period allowed by Development Authority from the date of purchase of plot, whichever is earlier.

Moratorium period of to 12 months in case of repair & renovation.Moratorium period of up to 36 months in case of purchase/ construction.20% of total cost of the repairs/renovation.20% of the total cost of the purchase/ construction for loans above Rs.30 lakhs.10% of the total cost of the purchase/ construction for loans up to Rs.30 Lakhs.Maximum loan amount for repairs/renovation is Rs.30 lakh.Loan eligibility depending on repayment capacity of the borrower and value of property.Individuals may apply singly or jointly with other eligible individuals.Minimum entry age is 18 years and maximum exit age up to 75 years.Purchase of solar power panel along with purchase / construction of house.Completion of under construction residential unit.Take-over of housing loan availed from another bank / FI.Repairs/ improvements/ extension of the existing residential property.Purchase of non-agricultural plot and construction of residential unit (composite project) thereon**.

Construction of residential unit on exiting non agriculture plot.

Purchase of new/old residential unit (house/ flat/villa/apartment etc.).

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