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ICICI Home Finance Refer and Earn

ICICI Home Finance

Loan

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Start earning rewards with ICICI Home Finance Refer and Earn program! Refer individuals for loans and get ₹5,000 e-gift vouchers for each successful referral.

Q: What is ICICI Home Finance?

A: ICICI Home Finance is a subsidiary of ICICI Bank that offers various home loan solutions to individuals looking to buy or construct a house, renovate a property, or refinance an existing home loan.


Q: What types of home loans does ICICI Home Finance offer?

A: ICICI Home Finance provides a range of home loan products, including regular home loans, home improvement loans, home extension loans, home loans for new purchases, and balance transfer loans.


Q: What is the ICICI Home Finance Refer and Earn program?

A: The ICICI Home Finance Refer and Earn program is a referral program that allows existing ICICI Fixed Deposit customers to refer individuals with low income for the Apna Ghar Dreamz affordable housing loan.


Q: Who is eligible to participate in the Refer and Earn program?

A: Existing ICICI Fixed Deposit customers are eligible to participate in the Refer and Earn program.


Q: How can I participate in the ICICI Home Finance Refer and Earn program?

A: You can participate in the program by referring individuals for the Apna Ghar Dreamz affordable housing loan through the ICICI Home Finance website or by filling in your details and the referral person's details.


Q: Who can I refer under this program?

A: You can refer your support staff like maids, drivers, security persons, carpenter, plumber, vegetable and fruit sellers, skilled laborers, and small and micro business owners who wish to buy or build a home.


Q: What types of loans are eligible for referral under the ICICI Home Finance Refer and Earn program?

A: The Apna Ghar Dreamz Home Loan, Loan Against Property (LAP), Micro LAP, and Balance Transfer are eligible for referral under the program.


Q: What is the reward for successful referrals?

A: For every successful referral, you will earn a ₹5,000 voucher. Alternatively, you can choose to donate ₹5,000 for girl child education to GiveIndia, the NGO partner.


Q: How will I receive my reward once the loan is disbursed?

A: ICICI Home Finance will send an e-gift voucher within 7 working days after the loan is disbursed to the referred customer.


Q: Can I choose to donate my reward instead of redeeming it?

A: Yes, you can choose to donate ₹5,000 for girl child education to GiveIndia, the NGO partner.


Q: Can I refer myself or my immediate family members for a loan under this program?

A: No, you cannot refer yourself or your immediate family members, including your spouse or parents. However, you can refer any other immediate family members, such as children and siblings.


Q: Can existing ICICI Home Finance customers participate in the Refer and Earn program?

A: No, the referral scheme is not applicable to existing customers of ICICI Home Finance.


Q: Will I receive any confirmation or receipt for my donation if I choose to donate my reward?

A: Yes, if you choose to donate ₹5,000 for girl child education to GiveIndia, you will receive a receipt from the NGO at your permanent home address.


Q: Is there an expiry date for the reward voucher?

A: There is no mention of an expiry date for the reward voucher in the provided information.


Q: What happens if my reward voucher expires?

A: If the validity of the gift voucher expires, ICICI Home Finance will not be responsible for renewing the voucher.


Q: Can I refer multiple individuals for loans and earn multiple rewards?

A: Yes, you can refer multiple individuals for loans and earn multiple rewards for each successful referral.


Q: How long does it take to receive the reward after the loan is disbursed to the referred customer?

A: The reward, in the form of an e-gift voucher, will be sent within 7 working days after the loan is disbursed to the referred customer.


Q: Can I raise any queries or concerns related to the program?

A: Yes, you can raise your queries related to the program by contacting ICICI Home Finance through their provided contact details.


Q: What are the terms and conditions of the ICICI Home Finance Refer and Earn program?

A: The terms and conditions of the program include restrictions on self-referrals and referral of immediate family members, donation options, responsibility for actions undertaken by the NGO partner, program modification or termination rights of ICICI Home Finance, and dispute resolution in Mumbai courts.


Q: Can the Refer and Earn program be modified or canceled by ICICI Home Finance?

A: Yes, ICICI Home Finance reserves the sole right to modify, cancel, or terminate the Refer and Earn program at any time without prior intimation to the customer.


Q: What should I do if I face any delays in receiving my reward?

A: If you face any delays in receiving your reward, you can raise your query by contacting ICICI Home Finance through their provided contact details.


Q: What are the eligibility criteria for obtaining a home loan from ICICI Home Finance?

A: Eligibility criteria may vary depending on factors such as your income, age, employment status, credit history, and overall financial profile. Generally, you should be at least 21 years old and have a stable source of income to qualify for a home loan.


Q: How much loan amount can I get from ICICI Home Finance?

A: The loan amount you can get will depend on various factors, such as your income, property value, repayment capacity, and loan-to-value ratio. ICICI Home Finance typically offers home loans ranging from a few lakhs to several crores based on these factors.


Q: What documents are required to apply for a home loan from ICICI Home Finance?

A: The documents required may include proof of identity, address proof, income documents, property documents, bank statements, and any other relevant financial documents. However, the specific document requirements may vary based on your profile and loan type.


Q: Can I apply for a home loan from ICICI Home Finance online?

A: Yes, ICICI Home Finance provides an online application facility for home loans. You can visit their official website or use the ICICI Bank Mobile Banking app to apply for a home loan conveniently.


Q: How long is the loan tenure for ICICI Home Finance home loans?

A: ICICI Home Finance offers loan tenures ranging from a few years to several decades, depending on the loan type and your repayment capacity. They typically have flexible repayment options to suit your financial needs.


Q: What are the interest rates for ICICI Home Finance home loans?

A: Interest rates for ICICI Home Finance home loans vary from time to time and are influenced by factors such as market conditions and your creditworthiness. It is advisable to check with ICICI Home Finance directly or visit their official website for the latest interest rates.


Q: Does ICICI Home Finance offer any special schemes or discounts on home loans?

A: ICICI Home Finance occasionally offers special schemes or discounted interest rates for specific customer segments or during festive seasons. You can inquire with them directly or visit their website to know more about any prevailing special offers.


Q: What is the process for loan disbursement and repayment with ICICI Home Finance?

A:

The loan disbursement process involves submitting the required documents, property valuation, and legal verification. After loan approval, the amount is disbursed directly to the seller or builder. Regarding repayment, ICICI Home Finance usually offers options such as EMI repayments through ECS (Electronic Clearance System) or post-dated cheques.

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