25 Lakh Home Loan Federal Bank

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Federal Bank stands out in the financial landscape for its commitment to providing personalised banking solutions, and its Federal Bank 25 lakh home loan is no exception. Designed for individuals looking to invest a bit more in their home purchases, this loan promises competitive rates and tailored advice to help you navigate your financial pathway. We will take you through the specifics of Federal Bank's 25 Lakh Home Loan offering, emphasising its reliability, innovative banking practices, and customer-first approach. Whether upgrading to a larger property or buying a home for the first time, understanding the scheme's benefits will equip you with the necessary tools to proceed with confidence and clarity.

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Table of Content

1. 25 Lakh Home Loan Federal Bank Highlights

2. 25 Lakh home loan EMI for 10 years and 20 Years Federal Bank

3. 25 Lakh Federal Bank home loan Fees and Charges

4. 25 Lakh Federal Bank home loan Documents Required

5. 25 Lakh Federal 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

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

25 Lakh Home Loan Federal Bank – Highlights

Here is a simplified table of the salient features of a 25 Lakh Home Loan from the Federal bank:

Feature	Detail
Maximum Funding	Up to 85% of project cost
Loan Amount	Up to 15 Crores
Repayment Period	Up to 30 years (360 months)
Repayment Holiday	Up to 3 years (36 months)

25 Lakh home loan EMI for 10 years and 20 Years Federal Bank

For precise calculations of your monthly repayments (EMI) for a ₹25 Lakh home loan from Federal Bank, consider using online tools like the Urban Money EMI Calculator. This tool lets you input the loan amount, tenure, and interest rate (which starts at 8.80% p.a. for Federal Bank housing loans), enabling you to compute the exact EMI. By adjusting the different variables, such as loan amount and tenure, you can see how they impact your monthly payments, helping you effectively plan your finances before taking on the loan.

25 Lakh Federal Bank home loan – Fees and Charges

Following are the fees and charges for the ₹25 Lakh Federal Bank home loan:

Fee Type	Details
Interest Rates	Starting at 8.80% p.a.
Processing Fees	A minimum of INR 10,000 to a maximum of INR 2,00,000 is applicable.
Penal Interest Rate	2% per month on overdue amount
Prepayment/Foreclosure Charges	None for floating rate loans

25 Lakh Federal Bank home loan – Documents Required

Here’s a simplified summary of the documents required:

Document Type	Description
Completed Application Form	Includes passport-sized photos of applicants and co-applicants.
Proof of Identity	Passport, Voter’s ID, Driving License, or PAN Card.
Address Proof	Ration Card, Electricity Bill, Telephone Bill, Passport, or any government-approved document.
PAN Card	Copy of the applicant’s PAN card.
Proof of Income (Salaried Applicants)	Salary certificate, last 3 months’ salary slips, last 2 years’ Income Tax returns or Form 16, and last 6 months’ bank statements.
Proof of Income (Self-Employed/Business)	Proof of business existence, educational qualifications, business profile, last 2 years’ tax returns with audited financial statements, IT returns for the last 2 years, and last 12 months’ bank statements for personal and business accounts.

25 Lakh Federal Bank home loan – Eligibility Criteria

To be eligible for a 25 Lakh Home Loan from Federal Bank, the applicant must meet the following criteria:

The applicant should be a resident Indian or a Person of Indian Origin (PIO) with a valid PIO Card and a foreign passport.
A close relative residing in India should join as a co-obligant to the loan.
The borrower should not exceed 55 years at the end of the loan tenure.
The monthly income of the borrower should be not less than ₹50,000.

Frequently Asked Questions (FAQs)

What is the EMI for a 25 Lakh Home Loan for 20 years in Federal Bank?

To get the most accurate EMI for a 25 Lakh Home Loan for 20 years, it’s recommended to use the Urban Money EMI calculator. This tool will provide you with the best result by considering the latest interest rates and your specific loan details.

Who is eligible for a 25 Lakh Home loan from the Federal Bank?

Eligibility for a 25 Lakh Home Loan in a Federal Bank typically requires the borrower to be a resident Indian or a Person of Indian Origin with a valid PIO Card and foreign passport.

What is the monthly interest rate of a 25 Lakh home loan in Federal Bank?

The monthly interest rate for a home loan in Federal Bank starts from 8.80% per annum. However, this rate can vary based on the loan amount, the applicant’s credit profile, and other terms and conditions associated with the loan.

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