You can avail of a loan for a maximum tenure of 25 years. However, the term cannot extend beyond 60 (for salaried individuals) or 70 years of age (for self-employed individuals) or the age at which you retire, whichever is earlier. We have a team of legal and technical experts at all of our 135+ ICICI HFC branches that sit with you and help you decide the most comfortable pay-back period. When deciding the right pay-back period, consider your income, age, and existing EMIs.