Additional Benefits for Women Applicants

• Lower Interest Rates Enjoy reduced interest rates for female borrowers, making homeownership more affordable.
• Processing Fee Waivers: Special discounts on processing fees for women applicants.

• KBL Apna Ghar: Ideal for purchasing or constructing your dream home. This loan offers competitive interest rates, longer repayment tenures, and higher loan limits tailored to your requirements. The interest rates range from 7.50%–8.85%.
• KBL Xpress Home Loan: A fast-track loan option designed for quick approval and disbursal. Perfect for those needing immediate funds to purchase or construct a residential property. The interest rates start at 8.60%–10.62% per annum, with a maximum loan amount of ₹750 lakh and a loan tenure of up to 30 years.
• KBL Ghar Niveshan: A special scheme for purchasing plots or land for residential purposes. It comes with affordable interest rates and flexible repayment options. The interest rates range from 10.89%–12.09%.
• KBL Home Comfort: This loan is customized for home renovation, improvement, or repair, helping you upgrade your living space with ease and minimal financial strain. The interest rates range from 9.17%–9.57%.
• KBL Home Top-Up: Offers additional funds over your existing home loan for personal needs or home-related expenses. This is a convenient option for borrowers requiring extra liquidity. The interest rates range from 9.27%–10.95% per annum.
• Home Improvement Loan: Focused on funding repairs and renovations, this loan ensures you can maintain or enhance your home’s value without financial worries.
• NRI Home Loan: A specialized loan for Non-Resident Indians (NRIs) who wish to invest in properties in India. It includes hassle-free documentation and competitive interest rates.
• Balance Transfer Home Loan: Transfer your existing home loan to Karnataka Bank for better interest rates and repayment flexibility, reducing your overall loan cost.
• KBL Home Loan for Women: Women borrowers enjoy exclusive benefits, such as lower interest rates and discounted processing fees, making homeownership more accessible.

• Affordable Interest Rates: Starting as low as 8.60%.
• Flexible Repayment Tenures: Up to 30 years.
• Quick Processing: Fast-track approval and disbursal for eligible applicants.
• Special Benefits: There are different schemes for women and NRIs.
• Customized Solutions: Multiple loan options to suit diverse needs.

• Income Level: Higher income increases loan eligibility, ensuring easier approval and higher loan amounts. Salaried and self-employed applicants must meet minimum income criteria.
• Credit Score: A minimum CIBIL score of 650 is essential. A higher credit score improves your chances of securing better interest rates and faster approval.
• Age of Applicant: Applicants must be between 21 and 70 years. Younger applicants can enjoy longer loan tenures, while older applicants may have shorter repayment periods.
• Employment Type: Salaried Employees: A stable employment history of at least 2 years is required. Self-Employed Individuals: A minimum of 3 years of business continuity is necessary for eligibility.
• Loan Amount and Tenure: The loan amount depends on income, repayment capacity, and property value. Longer tenures can reduce EMIs but may result in higher interest over time.
• Interest Rate Type: Interest rates (fixed or floating) affect the total cost of the loan. Floating rates may fluctuate based on market conditions, while fixed rates remain constant.
• Property Details: The property type (ready-to-move, under construction, or plot purchase) and its market value play a crucial role in determining loan approval.
• Existing Liabilities: Current debts, such as other loans or credit card dues, impact loan eligibility. Lower liabilities increase the chances of approval.
• Co-Applicant Income: Adding a co-applicant (spouse or family member) with a stable income can boost eligibility and loan amount.
• Women-Specific Benefits: Women applicants can benefit from reduced interest rates and lower processing fees, making home loans more affordable.