Before applying, use ICICI’s online EMI calculator and check your CIBIL score. If you plan to prepay frequently or maintain surplus cash, the SmartHome loan is a standout choice. Always compare the effective interest rate (including processing fees) and read the fine print on prepayment and late payment terms.

| | Self-Employed | |--------------------------|--------------------| | Age: 21–60 years | Age: 21–65 years | | Minimum net income: ₹25,000/month (metros), ₹20,000 (non-metros) | Minimum ITR: ₹3 lakh per annum | | Stable job (3+ years total experience, 1+ year with current employer) | Business existence: 3+ years |