35 Lakh Karnataka Bank Home Loan

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Securing a 35 lakh home loan is a big step towards homeownership. Karnataka Bank offers good options to make your dream come true, featuring competitive interest rates, personalised repayment plans, minimal paperwork, and fast loan approval. Urban Money offers a detailed overview of the Karnataka Bank 35 lakh home loan to facilitate a smoother loan application process. This blog discusses about Karnataka Bank home loan interest rate for 35 lakhs, eligibility, documentation, and associated fees, empowering you to make a more informed and confident decision. Moreover, find information about the expected 35 lakh home loan EMI from Karnataka Bank with different tenures. Let’s get started!

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Table of Content

1. 35 Lakh Home Loan Karnataka Bank Highlights

2. 35 Lakh Home Loan EMI for 5 Years

3. 35 Lakh Home Loan EMI for 10 Years Karnataka Bank

4. 35 Lakh Home Loan EMI for 15 Years Karnataka Bank

5. 35 Lakh Home Loan EMI for 20 Years Karnataka Bank

6. 35 Lakh Home Loan EMI for 25 Years Karnataka Bank

7. 35 Lakh Karnataka Bank Home Loan Fees and Charges

8. 35 Lakh Karnataka Bank Home Loan Documents Required

9. 35 Lakh Karnataka Bank Home Loan Eligibility Criteria

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Written By
Hepson Franklin
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
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.

35 Lakh Home Loan Karnataka Bank – Highlights

Following are the key parameters of the Karnataka Bank 35 lakh home loan:

Interest Rates 8.60% to 10.62% p.a.
Loan Amount 75 – 90% of the property value 
Loan Tenure Up to 30 years 
Eligibility Salaried and self-employed individuals 

35 Lakh Home Loan EMI for 5 Years 

Following are the rates and amounts for a 35 lakh home loan EMI in Karnataka Bank with a tenure of 5 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹35 Lakh 8.60% p.a. 5 years ₹71,977 ₹8,18,620 ₹43,18,620

35 Lakh Home Loan EMI for 10 Years Karnataka Bank 

Following are the rates for a 35 lakh home loan EMI for 10 years from the Karnataka Bank:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹35 Lakh 8.60% p.a. 10 years ₹43,582 ₹17,29,840 ₹52,29,840

35 Lakh Home Loan EMI for 15 Years Karnataka Bank

Following are the Karnataka Bank home loan 35 lakh EMI amount and rates for a tenure of 15 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹35 Lakh 8.60% p.a. 15 years ₹34,671 ₹27,40,780 ₹62,40,780

35 Lakh Home Loan EMI for 20 Years Karnataka Bank

Following are the rates and amount for a 35 lakh home loan EMI for 20 years from the Karnataka Bank:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹35 Lakh 8.60% p.a. 20 years ₹30,596 ₹38,43,040 ₹73,43,040

35 Lakh Home Loan EMI for 25 Years Karnataka Bank 

Following are the rates for a 35 lakh home loan EMI in Karnataka Bank with a tenure of 25 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹35 Lakh 8.60% p.a. 25 years ₹28,419 ₹50,25,700 ₹85,25,700

35 Lakh Karnataka Bank Home Loan – Fees and Charges 

Following are the fees and charges apart from the Karnataka Bank home loan interest rate of 35 lakh:

Fee/Charge Amount
Processing Fee 0.50% of the loan amount
Prepayment Charges  2% of the outstanding balance
Late payment Charges Applicable 
Stamp Duty & Other Statutory Charges At actuals

35 Lakh Karnataka Bank Home Loan – Documents Required

Following are the applicable documents required for the Karnataka Bank 35 lakh home loan:

Mandatory Documents PAN card, customer ID or debit card number.
Identity Proof Aadhar card, election ID, driving license, passport, or ration card.
Address Proof  Utility bill, rental agreement, aadhar card, or passport.
Income Proof Last 1-year salary/business account statement.

35 Lakh Karnataka Bank Home Loan – Eligibility Criteria 

Following are the requirements for a 35 lakh home loan eligibility in Karnataka Bank:

Age Criteria Between 18 and 60 years old
Employment Status  Either salaried or self-employed individuals
Credit Score  Preferably 700 or higher
Citizenship  Residential or non-residential Indian

Frequently Asked Questions (FAQs)

What is the EMI for a 35 lakh home loan for 20 years in Karnataka Bank?

The expected EMI for a ₹35 lakh home loan over 20 years at Karnataka Bank, with an annual interest rate of 8.60%, is ₹30,596.

Who is eligible for a 35 lakh home loan in Karnataka Bank?

Salaried and self-employed individuals are eligible for a 35 lakh home loan in Karnataka Bank.

What is the monthly interest rate of a 35 lakh home loan in Karnataka Bank?

The monthly interest rate for a ₹35 lakh home loan in Karnataka Bank starts at 0.72%.

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