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Cent Home Loan — 3rd, 4th or 5th House/Flat

Cent Home variant for a third, fourth or fifth house/flat, with property-age and minimum- conditions and the underlying Cent Home terms.

Interest rateNot published as a standalone percentage; the page links Central Bank's latest interest-rate table.Maximum amountA separate maximum amount is not published; all other Cent Home Loan terms apply.TenureProperty may be up to 40 years old with at least 10 years remaining beyond loan tenure
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Quick eligibility check

Cent Home Loan — 3rd, 4th or 5th House/Flat

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you have a regular source of income?

Published source: Eligibility

2Do you meet this requirement: siblings may co-borrow if they are or intend to be co-owners?

Published source: Eligibility

3Do you meet this requirement: Fifth-house purchase requires minimum CIC score 750?

Published source: Eligibility

4Do you meet this requirement: Applicants may apply singly or jointly with close relatives, parents or children?

5Do you meet this requirement: brothers, daughters and sisters may co-borrow when or if they are co-owners?

6Document checkDo you have this required document or proof: KYC, income and property documents as required for Cent Home Loan?

Published source: Eligibility
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Sept 2026 · active
Offered byCentral 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.

Loan typeCent Home Loan variant for construction or acquisition of a new house/flat or an existing property not older than 40 years, specifically for a third, fourth or fifth house.View source
The page states the house-number scope and property age/remaining-life conditions.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Purpose
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividuals or close-relative groups with a legal, identified and regular source of income may apply singly or jointly with parents or children; siblings may co-borrow if they are or intend to be co-owners. Fifth-house purchase requires minimum CIC score 750.View source
The page publishes eligible co-borrower relationships and the fifth-house rule.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Eligibility and other conditions
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Minimum CIC scoreFor a fifth house, CIC score must be at least 750; a separate numeric threshold for third/fourth houses is not published on this variant page.View source
The page explicitly states minimum 750 for a fifth house only.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Other conditions
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Processing fee0.50% of loan amount plus GST, capped at ₹20,000; full waiver through 31 December 2026.View source
The variant page publishes the percentage, cap and waiver.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Processing charges
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeNo minimum income amount is published; the page requires a legal, identified and regular source of income.View source
The complete page gives an income-source condition but no amount.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Eligibility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Maximum amountA separate maximum amount is not published; all other Cent Home Loan terms apply.View source
The page incorporates Cent Home Loan terms without restating a cap.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
All other terms
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Interest rateNot published as a standalone percentage; the page links Central Bank's latest interest-rate table.View source
The rate link is provided without a numeric rate.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR calculation on the reviewed page.View source
No calculation is shown.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Complete rate review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the reviewed variant page.View source
The complete page contains no prepayment or foreclosure row.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Complete fee and foreclosure review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
BenchmarkThe page links the latest Central Bank rate table but does not name a benchmark.View source
No named benchmark appears on the page.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
TenureProperty may be up to 40 years old with at least 10 years remaining beyond loan tenureView source
The manually reviewed product summary states: “Property may be up to 40 years old with at least 10 years remaining beyond loan tenure”.
Source
Cent Home Loan — 3rd, 4th or 5th House/Flat — official product page
Page / section
Published loan terms in product summary
Accessed
6 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Permits purchase of a third, fourth or fifth house/flat
  • Property may be up to 40 years old with at least 10 years remaining beyond loan tenure
  • Fifth-house applications require CIC score at least 750
  • Processing-fee waiver published through 31 December 2026

Eligibility

  • Applicants may apply singly or jointly with close relatives, parents or children; brothers, daughters and sisters may co-borrow when or if they are co-owners.

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

Documents the bank lists

  • , income and property documents as required for Cent Home Loan

Related official documents

Cent Home Loan Scheme for purchasing 3rd / 4th / 5th House/Flatofficial-product-page · current · accessed 6 Sept 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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.

Use the published table

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3rd/4th/5th House · Eligibility / amountRegular identified income; fifth house ≥750; amount inherits Cent Home

This value is copied from Central Bank housing-loan variant terms. Check the table notes before relying on it.

Source: Central Bank housing-loan variant catalogue · Housing loan variant pages Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 2 rows · 5 columnsCentral Bank housing-loan variant termsPublished variant rules from official Central Bank pages.View tableHide table

Scroll sideways to view every column

Central Bank housing-loan variant terms
ProductEligibility / amountTenureFeesSecurity / special condition
3rd/4th/5th HouseRegular identified income; fifth house ≥750; amount inherits Cent HomeCent Home terms apply0.50% + max ₹20,000; waiver through 31 Dec 2026Property ≤40 years with 10 years beyond tenure
Cent Top UpExisting home loan; ₹2 lakh–₹10 croreNot beyond underlying loan's remaining original period0.50% + max ₹20,000; waiver through 31 Dec 2026; documentation ₹450 + Extension of existing equitable mortgage; CIC 700
  • Both pages link the latest interest-rate table without standalone or named benchmark.
Central Bank housing-loan variant catalogue · Housing loan variant pages · accessed 6 Sept 2026Open official source ↗

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