Personal, home, vehicle & other loans

Commercial Real Estate Home Loan

Home finance for eligible residential investment property from the third home onward when a family owns more than two homes; caps an individual's total home loans, including , at five.

Linked home-loan card-rate referenceThe current linked card lists Home Loan (term loan) at 7.25%–8.55% p.a. and Home Loan Maxgain (overdraft) at 7.75%–9.05% p.a. The card does not name CRE or map it to either row; SBI's 1 April 2024 perquisite schedule separately listed CRE at 9.35%–10.35%, which is historical and not a current quote. Confirm the applicable CRE pricing with SBI.Maximum tenureUp to 30 years Linked Home Loan processing feeThe linked fee card lists 0.35% of the loan amount: minimum ₹5,000 and maximum ₹15,000 for salaried customers, or maximum ₹18,000 for non-salaried customers, plus GST. SBI's fee card labels this 'Home Loan & Top Up'; CRE is not named separately.

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✓ Manually checked 25 Sept 2026 · active

Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Maximum tenureUp to 30 yearsView source

Published applicant age is 18 to 70.

Source: Commercial Real Estate Home Loan
Page / section: Eligibility
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsResident Indian; age 18–70; from the third home when the family owns more than two homes; an individual may have up to five home loans including CRE. Tenure is up to 30 years. Final loan amount and approval follow SBI's application and assessment.View source

The manually reviewed product record states: “Resident Indian; age 18–70; from the third home when the family owns more than two homes; an individual may have up to five home loans including . Tenure is up to 30 years. Final loan amount and approval follow application and assessment.”.

Source: Commercial Real Estate Home Loan — official product page
Page / section: Published product metadata
Accessed: 13 Aug 2026
Confidence: high

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Purpose and CRE triggerFinance for eligible residential investment property. SBI treats a home as CRE from the third home onward when a customer's family owns more than two homes; an individual may have no more than five home loans in total, including CRE.View source

says home loans from the third home onward are treated as when the family owns more than two homes, and the maximum home-loan count for an individual including is five.

Source: Commercial Real Estate Home Loan — official product page
Page / section: Product introduction and definition
Accessed: 25 Sept 2026
Confidence: high

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Loan typeHome loanView source

names the facility a Home Loan and lists it with its home-loan products.

Source: Commercial Real Estate Home Loan — official product page
Page / section: Product name, Features and Eligibility
Accessed: 25 Sept 2026
Confidence: high

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Maximum tenureUp to 30 yearsView source

The current eligibility section states loan tenure up to 30 years.

Source: Commercial Real Estate Home Loan — official product page
Page / section: Eligibility — Loan Tenure
Accessed: 25 Sept 2026
Confidence: high

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Prepayment chargeNo prepayment penaltyView source

lists 'No Pre Payment Penalty' as a feature.

Source: Commercial Real Estate Home Loan — official product page
Page / section: Features
Accessed: 25 Sept 2026
Confidence: high

Open official source ↗

BenchmarkSBI's linked home-loan rate card states that Home Loans are linked to EBLR; SBI publishes EBLR as 7.90% + CRP + BSP, effective 15 December 2025. The product-specific CRP/BSP and the CRE rate-card mapping are not shown on the CRE page.Effective 15 Dec 2025View source

lists at 7.90% + + and its directly linked home-loan card says Home Loans are -linked. This is the benchmark reference, not the final borrower rate.

Source: External Benchmark based Lending Rate
Page / section: / effective from 15 December 2025; Home Loans notification and linked card rate
Accessed: 25 Sept 2026
Confidence: high

Open official source ↗

The page links this card directly. The card lists general home-loan term and Maxgain overdraft rates, but no row; its footnote says rates depend on and adds 10 bps for non-salaried borrowers with CIBIL below 825 on Home Loans and Home Top Up Loans. A separate schedule dated 1 April 2024 has a -specific perquisite rate, so do not use either current general row as a confirmed rate.

Source: Home and Home Related Loan Interest Rate card
Page / section: Home Loan (TL), Home Loan Maxgain (), and borrower-premium notes; dated 20 May 2026
Accessed: 25 Sept 2026
Confidence: high

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Linked Home Loan processing feeThe linked fee card lists 0.35% of the loan amount: minimum ₹5,000 and maximum ₹15,000 for salaried customers, or maximum ₹18,000 for non-salaried customers, plus GST. SBI's fee card labels this 'Home Loan & Top Up'; CRE is not named separately.View source

The current page links this as its processing-fee card. The generic Home Loan & Top Up rows publish the percentage, floors, caps and ; it does not contain a separate row, so this is the linked generic Home Loan schedule rather than a -named tariff.

Source: Processing Fee Card Rates
Page / section: Page 1 — Home Loan & Top Up, salaried and non-salaried rows
Accessed: 25 Sept 2026
Confidence: high

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Required documentsApplication and identity/KYC documents; property permissions and title/sale/allotment records, approved plan and builder papers where applicable, occupancy certificate for ready property and payment proof; six months of bank statements (all applicant accounts) and one year of any previous external loan statement; salaried applicants: three months' salary proof plus two years of Form 16 or acknowledged income-tax returns; non-salaried applicants: business-address proof, three years of tax returns and financial statements, business licence, applicable Form 16A and professional qualification certificate where relevant. SBI lists separate KYC-compliant and KYC-non-compliant document routes; see the complete checklist below.View source

This fact summarizes, but does not replace, full grouped document checklist reproduced in the product table. Property documents depend on the property and location; and income records depend on applicant status.

Source: Commercial Real Estate Home Loan — official product page
Page / section: Documents Required — complete checklist
Accessed: 25 Sept 2026
Confidence: high

Open official source ↗

Published eligibility rulesResident Indian; age 18–70; from the third home when the family owns more than two homes; an individual may have up to five home loans including CRE. Tenure is up to 30 years. Final loan amount and approval follow SBI's application and assessment.View source

All stated age, residency, home-count and tenure limits are transcribed from the current page; no numeric minimum-income or fixed loan-amount threshold is stated there.

Source: Commercial Real Estate Home Loan — official product page
Page / section: definition and Eligibility
Accessed: 25 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Residential investment purpose
Up to 30 years
Daily-reducing balance
No prepayment penalty

Eligibility

Resident Indian applicants; minimum age 18 and maximum age 70, as stated on page.
A home is treated as from the third home onward when the customer's family owns more than two homes; limits an individual's total home loans, including loans, to five.
The public page links applicants to application flow for loan amount and assessment; it publishes no fixed loan ceiling or minimum income figure.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Completed loan application form with passport-size photographs.
For -compliant savings accounts: no fresh document; address proof if the address has changed; if it is not already in records.
For -non-compliant savings accounts: one proof of identity (, passport, driving licence or voter ) and one proof of residence/address (recent telephone, electricity, water or piped-gas bill, or passport, driving licence or Aadhaar card).
Property: construction permission where applicable; registered Agreement for Sale (Maharashtra only), allotment letter or stamped Agreement for Sale; Occupancy Certificate for a ready-to-move property; Maharashtra share certificate where applicable, maintenance bill, electricity bill and property-tax receipt; for a new property, approved plan/blueprint, builder's registered Development Agreement and Conveyance Deed; payment receipts or bank-account statement showing payments to the builder/seller.
Bank statements for the last 6 months for every account held by the applicant(s); if there is a previous loan from another bank/lender, that loan account statement for the last 1 year.
Salaried applicant/co-applicant/guarantor: salary slip or salary certificate for the last 3 months, and Form 16 for the last 2 years or income-tax returns for the last 2 financial years acknowledged by the Income Tax Department.
Non-salaried applicant/co-applicant/guarantor: business-address proof; income-tax returns for the last 3 years; balance sheet and profit-and-loss account for the last 3 years; business licence or equivalent; Form 16A certificate if applicable; and professional qualification certificate for a chartered accountant, doctor or other professional.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹19,759nineteen thousand seven hundred fifty-nine rupees

Interest paid over the full loan₹22,42,256twenty-two lakh forty-two thousand two hundred fifty-six rupees

Everything you repay₹47,42,256forty-seven lakh forty-two thousand two hundred fifty-six rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableFee item

Home Loan & Top Up — salaried · Published charge0.35% of loan amount; minimum ₹5,000; maximum ₹15,000; plus

This value is copied from linked processing fee card — complete table. Check the table notes before relying on it.

Source: Processing Fee Card Rates · Page 1 — complete table, all 10 charge rows Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsSBI linked processing fee card — complete tableComplete one-page PDF fee schedule linked from the CRE page. SBI lists generic Home Loan & Top Up rates; CRE is not named as a separate row.View tableHide table