4 Crore Karnataka Bank Home Loan

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Karnataka Bank offers a 4 crore home loan for high-value residential properties. The bank ensures quick fund disbursement if you need to buy, build, or upgrade a home. The bank also offers more competitive interest rates and flexible repayment plans, making it a more affordable credit option. However, before finalising your decision, there are certain things you should know about the Karnataka Bank 4 crore home loan. These include the 4 crore home loan EMI with Karnataka Bank, eligibility criteria, required documents, interest rates, and associated fees. Thus, you can make a more informed decision and have a stress-free journey towards homeownership. Continue to scroll down to learn more.

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Table of Content

1. 4 Crore Home Loan Karnataka Bank Highlights

2. 4 Crore Home Loan EMI for 5 Years Karnataka Bank

3. 4 Crore Home Loan EMI for 10 Years Karnataka Bank

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

5. 4 Crore Home Loan EMI for 20 Years Karnataka Bank

6. 4 Crore Home Loan EMI for 25 Years Karnataka Bank

7. 4 Crore Karnataka Bank Home Loan Fees and Charges

8. 4 Crore Karnataka Bank Home Loan Documents Required

9. 4 Crore Karnataka Bank Home Loan Eligibility Criteria

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Written By
Amrita Sinha
Amrita Sinha
Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal finance.
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.

4 Crore Home Loan Karnataka Bank – Highlights

The Karnataka Bank home loan interest rate for 4 crore and other key parameters are as follows:

Interest Rates 8.60% – 10.62% per annum
Loan Amount Up to 75 – 90% of the property price
Loan Tenure 30 years or up to 60 years of age, whichever comes earlier
Eligibility You must be either a salaried or self-employed individual

4 Crore Home Loan EMI for 5 Years Karnataka Bank

Below are the 4 crore 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
4 Crore 8.60% p.a. 5 years ₹8,22,590 ₹93,55,400 ₹4,93,55,400

4 Crore Home Loan EMI for 10 Years Karnataka Bank

Below are the 4 crore home loan EMI for 10 years from the Karnataka Bank:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
4 Crore 8.60% p.a. 10 years ₹4,98,085 ₹1,97,70,200 ₹5,97,70,200

4 Crore Home Loan EMI for 15 Years Karnataka Bank

Below are the Karnataka Bank home loan 4 crore EMI with a tenure of 15 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
4 Crore 8.60% p.a. 15 years ₹3,96,244 ₹3,13,23,920 ₹7,13,23,920

4 Crore Home Loan EMI for 20 Years Karnataka Bank

Below are the 4 crore home loan EMI for 20 years from the Karnataka Bank:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
4 Crore 8.60% p.a. 20 years ₹3,49,665 ₹4,39,19,600 ₹8,39,19,600

4 Crore Home Loan EMI for 25 Years Karnataka Bank

Below are the 4 crore 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
4 Crore 8.60% p.a. 25 years ₹3,24,791 ₹5,74,37,300 ₹9,74,37,300

4 Crore Karnataka Bank Home Loan – Fees and Charges

Below are the fees and charges in addition to the Karnataka Bank home loan interest rate of 4 crore:

Fee/Charge Amount
Processing Fee 0.50% of the loan amount
Foreclosure Charges 2% of the outstanding balance
Late Payment Penalty Applicable
Stamp Duty & Other Statutory Charges As per the state law

4 Crore Karnataka Bank Home Loan – Documents Required

Below are the applicable documents for the Karnataka Bank 4 crore home loan: 

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

4 Crore Karnataka Bank Home Loan – Eligibility Criteria

Below are the required 4 crore home loan eligibility in Karnataka Bank:

Age Limit Between 18 and 60 years old
Employment Status Both salaried and self-employed individuals
Credit Score Preferably 700 or higher
Nationality Indian

Frequently Asked Questions

What is the EMI for a 4 crore home loan for 20 years in Karnataka Bank?

The estimated EMI for a 4 crore home loan over 20 years at Karnataka Bank, with an annual interest rate of 8.60%, is ₹3,49,665.

Who is eligible for a 4 crore home loan in Karnataka Bank?

Salaried and self-employed individuals are eligible for a 4 crore home loan at Karnataka Bank.

What is the monthly interest rate of a 4 crore home loan in Karnataka Bank?

The monthly interest rate for a 4 crore home loan in Karnataka Bank starts at 0.72%.

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