Why Get Your Home Loan from Citizen Credit Cooperative Bank?
Regional Reach: Whether you are a first-time buyer, a pro, or run
a small shop, they understand your local scene.
We Put You First: We are open and honest about our loans, giving you all the details so you can feel confident.
Reasonable Rates: Ladies can get rates as low as 8.00% per year, and we offer great rates for everyone else too.
Wide Eligibility: Whether you work for someone, yourself, or own a business, we can provide you with a loan.
Easy Repayment: Enjoy up to 20 years to repay, making it easier to fit your budget.
Personalized Service: As a local bank, we give personal attention and one-to-one service to every customer.
Strong Presence: If you are in our area, we are easy to reach and quick to help — we care about the community.
Apply Online With TyTil : Easily apply, send documents, check your status, and get expert advice with less paperwork.
Regional Reach: Whether you are a first-time buyer, a pro, or run a small shop, we understand your local scene.
Citizen Credit Cooperative Bank Home Loan Products
Citizen Credit Cooperative Bank has home loans for pretty much any housing need:
Home Purchase Loan: Get funds to buy a new or used house, even if it is still under construction.
Home Construction Loan: Build your dream home on your own land with this loan.
Home Improvement/Renovation Loan: Repair, expand, or renovate your current home using a home improvement loan.
Balance Transfer: Transfer your existing home loan to us for better interest rates or improved service.
Top-Up Loan: Need extra money? Get an additional loan on top of your current home loan for any purpose.
Citizen Credit Cooperative Bank Home Loan Interest Rates
| Loan A mount |
Interest Rate (p.a.) |
Loan Tenure |
Processing Fee |
| Up to ₹50 Lakhs (Women) |
8.00% |
Up to 20 years |
As decided by the bank |
| Up to ₹50 Lakhs (Others) |
8.10% |
Up to 20 years |
As decided by the bank |
| Above ₹50 Lakhs up to ₹70 Lakhs |
8.60% |
Up to 20 years |
As decided by the bank |
Citizen Credit Cooperative Bank has some pretty good home loan interest rates. If you are a woman borrowing up to ₹50 lakhs, you can get a rate as low as 8.00% per year. It's a nice way to help women buy homes! For everyone else borrowing up to ₹50 lakhs, the rates start at 8.10% per year. If you need more, like between ₹50 lakhs and ₹70 lakhs, it's 8.60% per year.
You can spread your payments out over up to 20 years, so your monthly payments stay manageable. The bank does charge processing fees, but they aren't too bad. You should check with your local branch or their website to get the exact numbers. Also, a good thing is that there's no penalty if you want to pay off your loan early!
Processing Fees and Eligibility Criteria
Procvessing Fee: Up to ₹5,000 (inclusive of GST).
The bank fees depend on the bank's rules, but they are usually not too bad, and we will tell you about them upfront. No hidden costs!
Who Can Apply -
Cholamandalam wants to help you buy a home, so here's who can apply:
Age: You need to be between 21 and 65. The loan cannot extend beyond your planned retirement age.
Income: You must have a stable, provable income from a job, business, or cooperative activities.
Loan Amount and Security: The amount you can borrow depends on your repayment ability, the property's value, and whether the property is used as loan security.
Co-Applicants: Having someone apply with you can boost eligibility and increase the amount you can borrow.
Credit: A good credit history helps, but we consider multiple factors beyond just your credit score.
Required Documents for Citizen Credit Cooperative Bank Home Loan Partner
To apply for a loan, this is what you need:
The loan application form, filled out, signed, and with a recent passport photo.
Proof of ID: You need documents like Aadhaar card, PAN card, passport, voter ID, or driver's license.
Proof of Address: Acceptable documents include utility bills, Aadhaar card, passport, voter ID, or a bank statement.
Proof of Income :
If You Are Salaried: Provide your last 3–6 months of pay stubs, Form 16, and 6 months of bank statements.
If You Are Self-Employed: Provide your Income Tax Returns for the last 3 years along with audited balance sheets and proof of your business.
Property Documents: Include the sale deed, title deed, approved building plan, valuation report, and the most recent property tax receipts.
Photos: Submit a recent passport-size photograph.
Proof of Payment: Provide evidence of the processing fee payment as required by the bank.
Turning these things in quickly can make your loan get approved faster.