90 Lakh IDFC First Bank Home Loan

IDFC First Bank's ₹90 Lakh Home Loan is created to help you step into your ideal home with ease. Offering competitive rates and a hassle-free application process, this loan is perfect for those seeking substantial financing. In both cases of salaried or self-employed, you can easily determine your IDFC First Bank’s home loan of ₹90 Lakhs EMI. It allows you to plan your finances effectively and move closer to owning your dream home.

₹90 Lakh Home Loan IDFC First Bank – Highlights

Here are IDFC First Bank’s home loan interest rates for ₹90 Lakhs, along with highlights:

₹90 Lakh Home Loan EMI for 5 Years IDFC First Bank

IDFC First Bank’s housing loan EMI for ₹90 Lakhs is mentioned below in detail:

₹90 Lakh Home Loan EMI for 10 Years IDFC First Bank 

Here is the ₹90 Lakh home loan EMI for 10 years IDFC First Bank:

₹90 Lakh Home Loan EMI for 15 Years IDFC First Bank

For an amount of ₹90 Lakhs, the EMI for 15 years is as follows:

₹90 Lakh Home Loan EMI for 20 Years IDFC First Bank

₹90 Lakhs home loan EMI for 20 years IDFC First Bank is as follows:

₹90 Lakh Home Loan EMI for 25 Years IDFC First Bank 

IDFC First Bank home loan of ₹90 Lakh EMI for 25 years is as follows:

₹90 Lakh IDFC First Bank Home Loan – Fees and Charges 

Here are the charges for ₹90 Lakh IDFC First Bank Home Loan:

Additional Fees and Charges

In addition to the key fees mentioned above, There are additional fees to be mindful of. For instance, retrieving documents, collecting EMI, and issuing duplicate No Objection Certificates (NOCs) are all subject to a ₹500 fee. But there aren’t any fees for exchanging checks or instruments. Digital copies of papers are available for free, while hard copies cost ₹500 each time they are requested. According to the state’s legislation, stamp duty and other statutory fees apply to the property. In addition, incidental fees are assessed according to the true expenses incurred in collecting past-due payments from noncompliant clients. For loans linked to the External Benchmark Rate (EBR), the loan reset frequency occurs every three months, and there are no prepayment or part-payment fees.

₹90 Lakhs IDFC First Bank Home Loan – Documents Required

Below are the documents required for ₹90 Lakhs from the IDFC First Bank Home Loan:

• Proof of Identity: Submit government-issued identification like a passport, Aadhaar card, or voter ID.
• Proof of Address: Provide a recent utility bill, rental agreement, or any official document confirming your current address.
• Income Documentation (Salaried): Include the latest two months’ salary slips, the most recent Income Tax Return (ITR) or Form 16, along with bank statements for the last six months.
• Income Documentation (Self-Employed): Present the latest ITR, profit and loss account, balance sheet, GST returns, and recent bank or credit card statements from the past six months.
• Property-Related Documents: Submit a photocopy of the draft sale deed, any available chain of title documents, allotment/possession letter, and a No Objection Certificate (NOC) from the society or relevant authority.

₹90 Lakh IDFC First Bank Home Loan – Eligibility Criteria

The following are the criteria for  ₹90 Lakhs home loan eligibility at IDFC First Bank: