15 Lakh Karnataka Bank Home Loan

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There are multiple convenient and affordable options for those seeking a Karnataka Bank ₹15 lakh home loan EMI. This home loan is designed to help individuals achieve their dream of owning a home. The Karnataka Bank home loan interest rate of ₹15 lakh is competitive, making it easier for borrowers to manage their monthly payments. The eligibility criteria for a ₹15 lakh home is easy. This ensures a smooth application process. Borrowers can use the ₹15 lakh loan EMI calculator Karnataka Bank to plan their finances effectively. This home loan provides flexible repayment options, making it a suitable choice for many homebuyers.

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Table of Content

1. 15 lakh Home Loan Karnataka Bank Highlights

2. 15 Lakh Home Loan EMI for 5 years Karnataka Bank

3. 15 Lakh Home Loan EMI for 10 Years Karnataka Bank

4. 15 Lakh Home Loan EMI for 15 Years Karnataka Bank

5. 15 Lakh Home Loan EMI for 20 Years Karnataka Bank

6. 15 Lakh Home Loan EMI for 25 Years Karnataka Bank

7. 15 Lakh Karnataka Bank Home Loan Fees and Charges

8. 15 Lakh Karnataka Bank Home Loan Documents Required

9. 15 Lakh Karnataka Bank Home Loan Eligibility Criteria

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Rishabh Baisoy
Rishabh Baisoy
With a background in journalism and mass communications, Rishabh might be clueless about his plans for the evening, but he clearly knows what to write. A proud cinephile, Rishabh makes the perfect choice to discuss any movie with. Poetry holds a special place in his heart, which mingles well with his wanderlust personality. While he physically exists in India, his heart beats for the red part of Merseyside. Rishabh educates and empowers readers towards financial success at Urban Money.
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Amit Prakash Singh
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.

₹15 lakh Home Loan Karnataka Bank – Highlights

Here are Karnataka Bank home loan interest rates for ₹15 lakh, along with highlights:

Interest Rates 8.60% to 10.62% p.a.
Loan Amount ₹15 lakh
Loan Tenure 5 years to 25 years
Eligibility Available for residents with a minimum age of 18

₹15 Lakh Home Loan EMI for 5 years Karnataka Bank 

Karnataka Bank housing loan EMI for ₹15 lakh is mentioned below in detail:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹15 lakh 8.60% p.a. 5 years ₹30,847 ₹350,829 ₹1,850,829

₹15 Lakh Home Loan EMI for 10 Years Karnataka Bank 

Here are the ₹15 lakh home loan EMI for 10 years Karnataka Bank in a detailed format:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹15 lakh 8.60% p.a. 10 years ₹18,678 ₹741,381 ₹2,241,381

₹15 Lakh Home Loan EMI for 15 Years Karnataka Bank 

Here are ₹15 lakh home loan EMI for 15 years Karnataka Bank, along with highlights:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹15 lakh 8.60% p.a. 15 years ₹14,859 ₹1,174,647 ₹2,674,647

₹15 Lakh Home Loan EMI for 20 Years Karnataka Bank 

₹15 lakh home loan EMI for 20 years Karnataka Bank are as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹15 lakh 8.60% p.a. 20 years ₹ 13,112 ₹1,646,986 ₹3,146,986

₹15 Lakh Home Loan EMI for 25 Years Karnataka Bank 

Karnataka Bank home loan of ₹15 lakh EMI for 25 years is mentioned below in the detailed format:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹15 lakh 8.60% p.a. 25 years ₹12,180 ₹2,153,897 ₹3,653,897

₹15 Lakh Karnataka Bank Home Loan – Fees and Charges 

There are some additional fees with Karnataka Bank home loan interest rate of ₹15 lakh. These fees are mentioned below:

Financial Term Details
Interest  Rate 8.60% to 10.62% p.a.
Loan Amount Based on Income
Processing Fees 0.25% of the loan amount 

(minimum ₹250 
Prepayment/Foreclosure Charges Nil
Rate Packages Available Floating

₹15 Lakh Karnataka Bank Home Loan – Documents Required

Below are the required documents to get a ₹15 lakh loan from Karnataka Bank:

KYC Documents

Photos: Two passport-size photos for each applicant
Identity Proof: Passport, Voter ID, Driving Licence, PAN Card, Aadhaar Card
Address Proof: Passport, Voter ID, Driving Licence, Aadhaar Card
Age Proof: Passport, Birth Certificate, Driving Licence, SSLC or AISSE Certificate

For Existing and New Customers

PAN Card Customer ID or Debit Card Number Copy of KYC Documents

For Salaried Employees

Salary Account Statement: Last 12 months (scanned copy and PDF)
Auto-fetch: Available for existing customers

For Self-Employed Individuals

Account Statement: Last 12 months (scanned copy and PDF)
Auto-fetch: Available for existing customers

₹15 Lakh Karnataka Bank Home Loan – Eligibility Criteria

The eligibility criteria for a Karnataka Bank Home Loan are designed to accommodate both salaried and self-employed individuals. Here are the details:

  • Income Criteria
For Salaried Individuals: Minimum gross monthly salary: ₹10,000
For Self-Employed Individuals: Minimum annual gross income: ₹4,80,000
  • Age Criteria
Minimum Age: 21 years at the time of loan application
Maximum Age: 60 years at the time of loan maturity
  • Loan Tenure : Maximum Duration: Up to 30 years
  • Loan Amount : Maximum Loan: Up to ₹5 crores, based on repayment capacity and bank assessment
  • Nationality : Requirement: Must be an Indian citizen

Frequently Asked Questions (FAQs)

What is the EMI for a ₹15 lakh Home Loan for 20 years in Karnataka Bank?

The EMI for a ₹15 lakh loan with Karnataka Bank for 20 years is ₹ 13,112.

Who is eligible for a ₹15 lakh Home Loan in Karnataka Bank?

Any Indian resident over the age of 18 who earns a minimum monthly salary of Rs. 4,80,000 is eligible to qualify for a Karnataka Bank ₹15 lakh home loan.

What is the monthly interest rate of a ₹15 lakh home loan in Karnataka Bank?

The interest rate for a ₹15 lakh house loan at Karnataka Bank is between 8.60% and 10.62%.

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