80 Lakh Home Loan Axis Bank

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Axis Bank's 80 Lakh Home Loan is one of the best options for those looking to purchase their homes anytime soon. You can pick from both floating and fixed rates of interest. Another benefit is the relatively long tenures, which last up to 30 years. At the same time, you can also enjoy a completely transparent process of online applications, making loan applications more convenient by all means. If you are looking for special home loan offerings, there are plenty of choices like the QuikPay Home Loan, Super Saver Home Loan, and the Asha Home Loan, to name a few.

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Table of Content

1. 80 Lakh Home Loan Axis Bank Highlights

2. 80 Lakh home loan EMI for 10 years Axis Bank

3. 80 Lakh home loan emi for 20 years Axis Bank

4. 80 Lakh Axis Bank home loan Fees and Charges

5. 80 Lakh Axis Bank home loan Documents Required

6. 80 Lakh Axis Bank home loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Axis Bank’s 80 Lakh Home Loan is one of the best options for those looking to purchase their homes anytime soon. You can pick from both floating and fixed rates of interest. Another benefit is the relatively long tenures, which last up to 30 years. At the same time, you can also enjoy a completely transparent process of online applications, making loan applications more convenient by all means. If you are looking for special home loan offerings, there are plenty of choices like the QuikPay Home Loan, Super Saver Home Loan, and the Asha Home Loan, to name a few.

80 Lakh Home Loan Axis Bank – Highlights

Feature	Description
Interest Rate	Salaried: 8.70% onwards Self-employed: 9.10% onwards
Loan Amount	Maximum of 5 Crore
Tenure	Maximum of 30 years
Any Hidden Charges	No hidden charges

80 Lakh home loan EMI for 10 years Axis Bank

Deploy the 80 Lakh loan EMI calculator of Axis Bank to find all the information on the 80 Lakh home loan EMI for 10 years in Axis Bank.

Loan Amount	Tenure	Interest Rate	EMI per Month	Total Interest Paid on Loan Amount	Total Amount Repaid
80,00,000	10 years	8.70% (Salaried)	1,00,046	40,05,558	1,20,05,558
80,00,000	10 years	9.10% (Non-salaried)	1,01,774	42,12,890	1,22,12,890

80 Lakh home loan emi for 20 years Axis Bank

This is what you need to know about the 80 Lakh home loan emi for 20 years in Axis Bank.

Loan Amount	Tenure	Interest Rate	EMI per Month	Total Interest Paid on Loan Amount	Total Amount Repaid
80,00,000	20 years	8.70% (Salaried)	70,442	89,06,040	1,69,06,040
80,00,000	20 years	9.10% (Non-salaried)	72,493	93,98,413	1,73,98,413

80 Lakh Axis Bank home loan – Fees and Charges

Particulars	Fees without GST
Processing Charges	Up to 1% of the loan amount. The minimum sum is Rs. 10,000
Prepayment Charges, including part prepayment for floating rate loan	Zero
Prepayment Charges for a fixed-rate loan	2% of the principal outstanding amount
Penal Interest Rate	24% per annum or 2% per month
Switching Fees (Base Rate/BPLR to MCLR)	When the effective rate is to be kept the same – Zero charges
Switching Fees (Base Rate/BPLR to MCLR)	When an effective rate is to be revised – 0.5% on the outstanding principal, with the minimum being Rs. 10,000
Switching Fees (Floating Rate to Fixed Rate)	1% on the outstanding principal sum with a minimum amount of 10,000/-
Switching Fees (Fixed Rate to Floating Rate)	2% on the outstanding principal amount
Repayment Instruction/Cheque Return Charges	Rs. 500 for each instance
Cheque/Instrument Swap Charges	Rs. 500 for each instance
Duplicate Statement Issuance Charges	Rs. 250 for each instance
Duplicate Amortisation Schedule Issuance Charges	Rs. 250 for each instance
Duplicate Interest Certificate (Provisional/Actual) Issuance Charges	Rs. 250 for each instance
CERSAI charges	For loans up to Rs. 5 lakh it is Rs. 50
CERSAI charges	For loans above Rs. 5 lakh it is Rs. 100
Loan Cover/ Insurance	Based on the agreement with the bank

80 Lakh Axis Bank home loan – Documents Required

What documents will you need? Here’s taking a look at the same:

PAN
Aadhar
Date of Birth document proof
Signature proof
ID Proof
Address Proof
Existing Loan Document
Property Insurance Form
Home Loan Application Form
Property Purchase Documents
Bank statements for 6 months
Salary slip for 3 months (salaried)
P&L sheet and ITR for 2 years (self-employed)

80 Lakh Axis Bank home loan – Eligibility Criteria

The criteria for 80 Lakh home loan eligibility in Axis Bank encompasses the following:

21-60 years for salaried borrowers is the age limit
21-65 years for self-employed borrowers is the age limit
Self-employed should have a proven income source
Salaried should have permanent government/private sector position
Professionals should have proper qualifications and credentials

Frequently Asked Question (FAQs)

What is the 80 Lakh Home Loan EMI for 20 years in Axis Bank?

The monthly 80 Lakh home loan emi in Axis Bank will be around Rs. 70,442 (8.70%) or Rs. 72,493 (9.10%), depending on the interest rate.

Who is eligible for an 80 Lakh Home loan in Axis Bank?

The 80 Lakh home loan eligibility in Axis Bank criteria include being between 21 and 65 years of age, depending on the borrower type and also having a stable income.

What is the monthly interest rate of an 80 Lakh home loan in Axis Bank?

You can expect the Axis Bank home loan interest rate for 80 Lakh to vary between 8.70 to 9.10% and upwards.

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