Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
FacilityIncome-based home-loan limit sanctioned before the property is finalised
Source 1Published starting floating rate7.25% p.a. onwards, subject to SBI card-rate terms and borrower profileEffective 1 Apr 2026
Source 2Maximum tenure360 months, subject to repayment by age 70
Source 3Processing feeNon-refundable applicable home-loan processing fee is collected at sanction; current schedule is 0.35% with applicant-type caps plus GST
Source 4Home-loan processing-fee scheduleHome Loan and Top Up processing fee: salaried customers 0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus GST; non-salaried customers 0.35%, minimum ₹5,000 and maximum ₹18,000, plus GST.Effective 1 Apr 2026
Source 5Conversion, switchover and revalidation chargesTerm Loan to Maxgain or Maxgain to Term Loan conversion: ₹5,000 plus GST. Switchover from MCLR, SBAR or Base Rate to EBLR: ₹5,000 plus GST. Loan revalidation: ₹5,000 plus GST.Effective 1 Apr 2026
Source 6Benefits and features
- Sanction before property selection
- Income-based eligibility assessment
- Overdraft option
- 30-year maximum tenure
- No prepayment penalty
Eligibility
- Resident Indian applicant aged 18 to 70.
- Pre-approval does not remove later property, legal, valuation or disbursement checks.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Application and KYC
- Income evidence
- Six months' bank statements
- Existing-loan statements where applicable
- Property documents before final disbursement