Pls do not approch ICICI Bank for Home loans. I am informing you by my experience. You will first be happy to meet the Marketing person who reaches to you without any delay and gives you false information. That would be the first and the last time we will be meeting him. Then we will have to follow up with the assistants of the lawyers. The Bank claim the 5K amt even if the loan is not sactioned. I think the home loan dept exist by just claiming the 5K instead of sanctioning the loan amt. The marketing guy promised all formalities to be over by 4 days. Now its 5 months that nothing is happened on this. There is another instance where my friend has applied for the loan at ICICI. They promised to give a specified amt, trusting that he gave advance to buy the flat. Finally, ICICI informs him that they will only be able to give him half of what they had agreed. My friend is now in deep trouble as he has already paid the advance and some how has to make up for the rest of the amt to pay for the flat.