75 Lakh Home Loan Axis Bank
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Whether you are a salaried individual, self-employed, or an NRI, Axis Bank has a home loan scheme that will suit your needs. Axis Bank's 75 Lakh Home Loan comes with fixed or floating interest rates and a flexible tenure of up to 30 years. Axis Bank also offers unique home loan products like the Shubh Aarambh Home Loan, which offers 12 EMIs off on regular payments, and the Asha Home Loan, designed for low-income groups. With transparent online application procedures and no prepayment charges on floating interest rate home loans, Axis Bank makes it easy to own your dream home.
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Reviewed By75 Lakh Home Loan Axis Bank – Highlights
| Feature | Description |
| Interest Rate |
|
| Loan Amount | Maximum of 5 Crore |
| Tenure | Maximum of 30 years |
| Any Hidden Charges | Zero hidden costs |
75 Lakh home loan emi for 10 years Axis Bank
Calculating the EMIs is a breeze with the 75 Lakh loan emi calculator of Axis Bank. Take a look at the 75 Lakh home loan emi for 10 years in Axis Bank below.
| Loan Amount | Tenure | Interest Rate | EMI per Month | Total Interest Paid on Loan Amount | Total Amount Repaid |
| 75,00,000 | 10 years | 8.70% (Salaried) | 93,793 | 37,55,211 | 1,12,55,211 |
| 75,00,000 | 10 years | 9.10% (Non-salaried) | 95,413 | 39,49,584 | 1,14,49,584 |
75 Lakh home loan emi for 20 years Axis Bank
Find out more about the 75 Lakh home loan emi for 20 years in Axis Bank below.
| Loan Amount | Tenure | Interest Rate | EMI per Month | Total Interest Paid on Loan Amount | Total Amount Repaid |
| 75,00,000 | 20 years | 8.70% (Salaried) | 66,039 | 83,49,413 | 1,58,49,413 |
| 75,00,000 | 20 years | 9.10% (Non-salaried) | 67,963 | 88,11,012 | 1,63,11,012 |
75 Lakh Axis Bank home loan – Fees and Charges
| Categories | Charges without GST |
| Penal Interest Rate | 24% per annum, 2% per month |
| Prepayment Charges for a fixed-rate loan | 2% of the principal outstanding |
| Processing Charges | Up to 1% of the loan amount, subject to a minimum of Rs. 10,000 |
| Switching Fees (Base Rate/BPLR to MCLR) | When the effective rate is to be kept the same – No fees |
| When an effective rate is to be revised – 0.5% on the outstanding principal, with a minimum of Rs. 10,000 | |
| Prepayment Charges, including part prepayment for floating rate loan | Nil |
| Duplicate Statement Issuance Charges | Rs. 250 per instance |
| Switching Fees (Floating Rate to Fixed Rate) | 1% on the outstanding principal with a minimum of 10,000/- |
| Cheque/Instrument Swap Charges | Rs. 500 per instance |
| Switching Fees (Fixed Rate to Floating Rate) | 2% on the outstanding principal amount |
| Duplicate Amortization Schedule Issuance Charges | Rs. 250 per instance |
| Repayment Instruction/Cheque Return Charges | Rs. 500 per instance |
| Duplicate Interest Certificate (Provisional/Actual) Issuance Charges | Rs. 250 per instance |
| CERSAI charges | For loans up to Rs. 5 lakh – Rs. 50 |
| For loans above Rs. 5 lakh – Rs. 100 | |
| Loan Cover/ Insurance | Based on bank agreement |
75 Lakh Axis Bank home loan – Documents Required
- PAN
- Application form
- 3 months salary slips or 2 months ITR and P&L sheet (salaried-self-employed)
- Bank statements for 6 months
- Aadhar Card
- ID and Date of Birth Proof
- Address Proof
- Signature Proof
- Existing Loan Papers
- Property Insurance Form
- Property Purchase/Sale Documents
75 Lakh Axis Bank home loan – Eligibility Criteria
Here are some pointers on the 75 Lakh home loan eligibility in Axis Bank:
- The age criteria are very important. Salaried borrowers can be between 21 and 60 years of age. Self-employed borrowers have to be between 21 and 65 years of age.
- Self-employed borrowers should show a proven income source to the bank.
- Professionals should have proper qualifications, education, and credentials in their respective fields.
- Salaried professionals should have permanent positions in private or Government-sector organisations.
Frequently Asked Question (FAQs)
What is the EMI for a 75 Lakh Home Loan for 20 years in Axis Bank?
The monthly 75 Lakh home loan emi in Axis Bank stands at Rs. 66,039 (8.70%). It will also be Rs. 67,963 if the interest rate is 9.10%.
Who is eligible for 75 Lakh Home loan in Axis Bank?
Age (21-65 years) and income are the two major criteria for 75 Lakh home loan eligibility in Axis Bank. Some other criteria have to be fulfilled as well.
What is the monthly interest rate of a 75 Lakh home loan in Axis Bank?
You can get the Axis Bank home loan interest rate for 75 Lakh between 8.70 to 9.10% onwards.
