Home Loans

Need financial help for Home? Looking for a better reverse mortgage option? SBH has the right loan for you. Whether you are a journalist or into security service, our loans encompass all.
Home Loans


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Eligibility : Individual(s) over 18 years of age with steady source of income, including persons engaged in agriculture & allied activities.
Amount of Finance : Maximum loan amount will be lowest of loan amount assessed on the basis of the under noted 3 options(a.b.c) below:

a) Project cost which may include cost of land, house/ flat, cost of additional amenities related with said house/ flat, registration charges, stamp duty, property insurance, service tax and other statutory dues, if any, less applicable margin.

b) Permissible EMI/ NMI ratio.

c) Maximum Permissible Loan to Value(LTV) ratio.

Processing fee : Up to Rs. 25.00 lacs- 0.25% of loan amount subject to minimum of Rs.5,000/-

Above Rs. 25.00 lacs to Rs. 75.00 lacs- Rs.6,500/-

Above Rs. 75.00 lacs- Rs.10,000/-

Equitable Mortgage Charges : Upto 1Lakh – NIL
Above 1 Lakh – Rs. 200/- per lakh. Max: Rs. 11,200/-
CERSAI – Amount of Fee Payable : Rs. 500/- for creation.
Other Charges : Lawyer’s, Valuer’s fee etc to be borne by the borrower on the basis of actual cost
EMI/ NMI Ratio :
  1. Based on income-wise graded ratio as under:
  2. Up to `0.60 lacs: 20%
  3. Above `0.60 lakhs to `1.20 lakhs: 25%
  4. Above `1.20 lakhs to `2.00 lakhs: 30%
  5. Above `2.00 lakhs to `5.00 lakhs: 50%
  6. Above `5.00 lakhs to `10.00 lakhs: 55%
  7. Above `10.00 lakhs                          : 65%
Margin :
Loan Amount For House/ Flats under construction New House/ Flats for ready possession Old House/ Flats for ready possession
Upto 20 Lakhs 15% 15% 15%
Above 20 Lakhs 20% 20% 20%
Interest Rate : CLICK HERE to view interest rates


  1. Purchase a new flat/ house or construction of a house.
  2. Purchase plot of land and construction of house (both) thereon.
  3. Purchase an existing (old) house/flat or extension of existing house.
  4. Purchase house plot only.
  5. Repair or renovation an existing house/ flat
  6. Furnishings/ consumer durables.
  7. Takeover the loans from Banks/ HFC


  1. Completed loan application
  2. 3 Passport size photographs
  3. Proof of identify (photo copies of Voters ID card/ Passport/ Driving licence/ IT PAN card)
  4. Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID card)
  5. Proof of business address for non-salaried individuals
  6. Statement of Bank Account/ Pass Book for last six months
  7. Personal Assets and Liabilities statement


For Salaried:
Check Off Facility – Employer will take responsibility to credit the salary to borrower’s account at the branch from which the EMI will be deducted.


Post Dated Cheques(PDCs) for the Repayment period/ ECS (Electronic Clearing Services)/ Standing Instruction on salary account maintained with the Bank.

For Non Salaried:

  1. Post Dated Cheques for the Repayment period.
  2. ECS (electronic clearing services)


  1. Attractive Interest Rates
  2. Available as Term Loan and Overdraft also
  3. Easy Documentation
  4. Fast Processing
  5. Daily Reducing Balance
  6. Low Processing Fee
  7. No Hidden Costs or other charges
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