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If you have taken a home loan from ICICI bank, you might need a provisional certificate at some point. A provisional certificate is a document that states the details of your home loan, such as the loan amount, interest rate, tenure, and EMI. In this article, we will cover everything you need to know about the ICICI home loan provisional certificate.
What is ICICI Home Loan Provisional Certificate?
The ICICI home loan provisional certificate is a document that provides details about your home loan. It contains information such as the loan amount, interest rate, tenure, and EMI. The certificate is useful for various purposes, such as claiming tax benefits on the home loan, submitting it to your employer for proof of a home loan, or as a requirement for applying for other loans.
How to Obtain ICICI Home Loan Provisional Certificate?
Obtaining an ICICI home loan provisional certificate is easy and can be done online. Follow the steps given below:
- Log in to your ICICI internet banking account
- Go to the ‘Service Requests’ section
- Click on ‘Loan Account’
- Select ‘Request Provisional Certificate’
- Fill in the required details and click ‘Submit’
Alternatively, you can visit the nearest ICICI bank branch and request the provisional certificate in person.
Benefits of ICICI Home Loan Provisional Certificate
The ICICI home loan provisional certificate has various benefits, such as:
- Tax benefits: You can claim tax benefits on the interest paid on the home loan by submitting the provisional certificate to the tax authorities.
- Proof of home loan: The certificate can be submitted to your employer as proof of a home loan, which can help you avail of tax benefits.
- Applying for other loans: The certificate is necessary when applying for other loans as it provides proof of your existing home loan.
Details Mentioned in ICICI Home Loan Provisional Certificate
The ICICI home loan provisional certificate contains the following details:
- Loan account number
- Loan amount
- Interest rate
- Tenure
- EMI amount
- Date of disbursement
- Name of the borrower(s)
Fees for ICICI Home Loan Provisional Certificate
ICICI bank does not charge any fees for issuing a provisional certificate for home loans.
Validity of ICICI Home Loan Provisional Certificate
The validity of the ICICI home loan provisional certificate is six months from the date of issuance. After six months, you can request a new provisional certificate if needed.
Common FAQs about ICICI Home Loan Provisional Certificate
Here are some frequently asked questions about ICICI home loan provisional certificate:
1. Can I get the provisional certificate offline?
Yes, you can visit the nearest ICICI bank branch and request the provisional certificate in person.
2. Is the provisional certificate necessary for tax benefits?
Yes, the provisional certificate is necessary for claiming tax benefits on the interest paid on the home loan.
3. How long is the provisional certificate valid?
The provisional certificate is valid for six months from the date of issuance.
4. Is there any fee for issuing the provisional certificate?
No, ICICI bank does not charge any fees for issuing the provisional certificate.
5. Can the provisional certificate be used as proof of home loan?
Yes, the provisional certificate can be submitted to your employer as proof of a home loan, which can help you avail of tax benefits.
Conclusion
The ICICI home loan provisional certificate is an essential document for home loan borrowers. It contains details of your home loan and can be used for various purposes, such as claiming tax benefits, applying for other loans, and