| Who Can Borrow | Individuals (singly/jointly) |
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| Purpose | Purchase of site, house, or construction of house, on ownership basis. |
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| Limit | Max limit ₹75 lakh for individual site purchase. Max limit ₹140 lakh for individual house purchase. |
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| Security | Mortgage of residential/commercial premises to be purchased/constructed, against residential/commercial property up to ₹1.4 crore (Bangalore Urban and Rural District & Bidadi Hobli) for individuals. |
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| Margin | A Khata property: 90% on S.R. value (property valuation). B Khata property: 75% on S.R. value, only within GBA (BBMP) limits, maximum ₹40 lakh. House construction: 75% on estimated value. |
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| Repayment Period | Up to ₹25 lakh: 180 months. Above ₹25 lakh: 240 months. |
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| Processing Fees | Minimum ₹2,500 + GST (up to ₹5 lakh loan) or 0.50% + GST, whichever is higher. |
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| Legal & Documentation Charges | Inclusive in processing fees. |
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| Prerequisites | At least 21 years of age; employed/in business/professional, with a fair repaying capacity. Income Tax returns/income proof for the last three years with computation of income. Copies of relevant documents of the property to be purchased/constructed. Income from family members may be added. KYC document. |
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