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Compare Jammu And Kashmir Bank vs ICICI Bank Loan Against Property

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Bank
Interest Rate
Interest Rate
9.35% - 9.35%
8.90% - 10.40%
Processing Fees
Processing Fees
Upto 0.20%
Upto 0.50%
Maximum Loan Amount
Maximum Loan Amount
₹ 1 Cr
₹ 7 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 60%
Upto 60%
Maximum Tenure
Maximum Tenure
7 Years
15 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,627
₹ 1,008
Benchmark Rate
Benchmark Rate
RLLR
RLLR
Minimum Age
Minimum Age
21 Years
21 Years
Maximum Age
Maximum Age
60 Years
65 Years
Overdraft Facility
Overdraft Facility
N
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
3.7/5.0
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Compare Loan Against Property EMI of Jammu And Kashmir Bank and ICICI Bank

Loan Amount Jammu And Kashmir Bank ICICI Bank
₹ 10 Lakh ₹ 16,267 ₹ 10,083
₹ 15 Lakh ₹ 24,401 ₹ 15,125
₹ 30 Lakh ₹ 48,802 ₹ 30,250
₹ 50 Lakh ₹ 81,336 ₹ 50,416

Which is a better bank for Loan Against Property – ICICI Bank or Jammu And Kashmir Bank?

ICICI Bank offers lower Loan Against Property EMI at ₹ 1,008 on a Loan Against Property for 15 Years as compared to Jammu And Kashmir Bank with a minimum EMI of ₹ 1,627 for 7 Years. Average customer ratings for ICICI Bank is currently at 3.7/5.0 which makes it a good choice for taking a Loan Against Property.

How does ICICI Bank Loan Against Property compare with Jammu And Kashmir Bank Loan Against Property?

It is important to do a detailed comparison of ICICI Bank and Jammu And Kashmir Bank on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of ICICI Bank Loan Against Property is 8.90%, which is lower than the lowest interest rate of Jammu And Kashmir Bank at 9.35% and hence, ICICI Bank is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, Jammu And Kashmir Bank charges a lower processing fees of 0.20% of the loan amount vs ICICI Bank with a processing fees of 0.50% of loan amount.
  • ICICI Bank and Jammu And Kashmir Bank offer mortgage loan upto 60% of the value of the property. Hence, the same loan to property value ratio makes them a comparable option to choose from.
  • ICICI Bank is a with its Loan Against Property rates benchmarked to RLLR. On the other hand, Jammu And Kashmir Bank is a with its home loan rates benchmarked to RLLR. Hence, both banks are benchmarked to the same rate, making them a comparable option to choose from.
  • ICICI Bank has an average customer ratings of 3.7, while has an average customer rating of , based on which it is clear that ICICI Bank has a high customer service focus, an easy Loan Against Property process and a quick turnaround.

Which bank offers a lower interest rate on Loan Against Property – ICICI Bank or Jammu And Kashmir Bank?

As per the current rates, ICICI Bank offers a lower interest rate of 8.90% on Loan Against Property when compared to Jammu And Kashmir Bank which offers a Loan Against Property at 9.35%.

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