SBI Home Loan In Telugu – How To Get Home Loan From SBI Bank | Interest Rates | Eligibility

SBI Regular Home Loan

SBI Home Loans is the largest Mortgage Provider in the country. It has successfully helped over 30 Lakh families achieve their dream of owning a home.

“THE MOST PREFERRED HOME LOAN PROVIDER” voted in AWAAZ Consumer Awards along with the MOST PREFERRED BANK AWARD in a survey conducted by TV 18 in association with AC Nielsen-ORG Marg in 21 cities across India. 

SBI Home Loans come to you on the solid foundation of trust and transparency built in the tradition of SBI. It includes options for purchase of ready built property, purchase of under-construction property, purchase of pre-owned homes, construction of a house, extension of house and repair/renovation.


  • Home Loan products to suit every customer’s need
  • Low-Interest Rates
  • Low Processing Fee
  • No Hidden Charges
  • No Pre Payment Penalty
  • Interest charges on Daily Reducing Balance
  • Repayment up to 30 years
  • Home Loan Available as Overdraft
  • Interest Concession for Women Borrowers


  • Resident Type: Resident Indian
  • Minimum Age: 18 years
  • Maximum Age: 70 years
  • Loan Tenure: up to 30 years.

Documents required:

List of papers/ documents applicable to all applicants:

Employer Identity Card

Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs

Proof of Identity (Any one): PAN/ Passport/ Driver’s License/ Voter ID card

Proof of Residence/ Address (Any one): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card

Property Papers:

Permission for construction (where applicable)

Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale

Occupancy Certificate (in case of ready to move property)

Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt

Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)

Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller

Account Statement:

Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s

If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year

Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:

Salary Slip or Salary Certificate of last 3 months

Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.

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Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:

  • Business address proof
  • IT returns for last 3 years
  • Balance Sheet & Profit & Loss A/c for last 3 years
  • Business License Details(or equivalent)
  • TDS Certificate (Form 16A, if applicable)
  • Certificate of qualification (for C.A./ Doctor and other professionals)
Visit the official Website to apply for the loan “CLICK HERE

 What documents would I require at the time of property possession?

At the time of possession, you will require original copies of the title agreements and with the building plan approval letter, possession letter, original receipts of stamp duty and registration, NOC (No Objection Certificate) from the “society”, and proof of payment of all outstanding dues including taxes till the date of possession.

Is there any way to verify that the documents provided by the seller are genuine?

Building approvals can be confirmed from the corporation office 
Property ownership documents can be verified from the Sub-Registrar’s office 
Society-related share certificates can be verified from the society itself 
Is there any limit to the number of properties I can own?
No, there’s no limit as such. You can own as many properties as you want.

Can an NRI apply for this facility?

No, only those residing in India can apply for this scheme.
I am planning to buy a new property. What are the documents I need to check?
Title deed 
Sale deed 
Building plan approvals 
Encumbrance certificate 
Khata certificate 
Completion certificate for newly constructed property 
Property commence certificate for under construction property 
Conversion certificate 
Latest tax receipts 
Property occupancy certificate