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The State Bank of India (SBI) has a flexipay home loan that is offered to customers. The main highlight of this loan is that the borrower has an extended period of time to repay the home loan that is, up to 30 years.
In the SBI Flexipay Home Loan Scheme, the borrower does not have to pay the principal amount in the initial years which is called the moratorium period. One should only opt for SBI Flexipay Home Loan Scheme only if they are looking for higher loan eligibility.
*Interest rate will vary as per the risk score of the customer
** Based on LTV of the Customer
Zero processing fees till 31st December, 2018
Pre Sanction Fees:
Post Sanction Fees:
List of papers/documents applicable to all applicants:
Employer Identity Card:
Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:
1. Can a self-employed individual apply for the SBI Flexipay Home Loan Scheme?
No, the SBI Flexipay Home Loan Scheme is only applicable for salaried individuals.
2. How does the loan borrower’s loan eligibility increase under the SBI Flexipay Home Loan Scheme?
The loan borrower’s eligibility increases under the SBI Flexipay Home Loan Scheme because he/she doesn’t have to pay the principal amount in the initial years, i.e. the moratorium period.
3. As a loan borrower what should you be aware of when you opt for the SBI Flexipay Home Loan Scheme?
As a loan borrower, one should be aware that the power of compounding works in the reverse direction in case of loans. Hence, the longer you take to repay, the more interest (in absolute terms) you will have to pay.
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