45 Lakh Home Loan Karnataka Bank

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Karnataka Bank offers home loans that are attractive to customers in various ways. One of the attractions is offering customisable loans, such as a 45 lakh home loan. The loan comes with competitive interest rates, flexible repayment options, and a straightforward application process, making it an ideal choice for many borrowers. Whether purchasing a new home or refinancing an existing loan, the Karnataka Bank Home Loan 45 lakh can effectively meet your financial needs.

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Table of Content

1. 45 Lakh Home Loan Karnataka Bank Highlights

2. 45 Lakh Home Loan EMI for 5 Years Karnataka Bank

3. 45 Lakh Home Loan EMI for 10 Years Karnataka Bank

4. 45 Lakh Home Loan EMI for 15 Years Karnataka Bank

5. 45 Lakh Home Loan EMI for 20 Years Karnataka Bank

6. 45 Lakh home loan EMI for 25 Years Karnataka Bank

7. 45 Lakh Karnataka Bank Home Loan Fees and Charges

8. 45 Lakh Karnataka Bank Home Loan Documents Required

9. 45 Lakh Karnataka Bank Home Loan Eligibility Criteria

Written By

Kirti Bansal

Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of finance.

Reviewed By

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.

45 Lakh Home Loan Karnataka Bank – Highlights

Here are the key highlights of the Karnataka Bank 45 Lakh Home Loan:

Feature	Details
Loan Amount	Up to ₹1 Crore
Interest Rate	9.93% to 12% p.a.
Loan Tenure	Up to 30 years

45 Lakh Home Loan EMI for 5 Years Karnataka Bank

Calculating the EMI for a 45 lakh home loan from Karnataka Bank with an interest rate of 9.93% over 5 years gives a clear picture of the monthly repayment obligations.

Tenure	EMI Payable	Total Amount Payable
5 years	₹95,212	₹57,12,720

45 Lakh Home Loan EMI for 10 Years Karnataka Bank

For a 45 lakh home loan from Karnataka Bank with an interest rate of 9.93% over 10 years, the EMI details are as follows:

Tenure	EMI Payable	Total Amount Payable
10 years	₹59,731	₹71,67,720

45 Lakh Home Loan EMI for 15 Years Karnataka Bank

For a 45 lakh home loan from Karnataka Bank with an interest rate of 9.93% over 15 years, the EMI details are:

Tenure	EMI Payable	Total Amount Payable
15 years	₹48,866	₹88,05,720

45 Lakh Home Loan EMI for 20 Years Karnataka Bank

Calculating the EMI for a 45 lakh home loan from Karnataka Bank with an interest rate of 9.93% over 20 years:

Tenure	EMI Payable	Total Amount Payable
20 years	₹42,841	₹1,02,81,840

45 Lakh home loan EMI for 25 Years Karnataka Bank

For a 45 lakh home loan from Karnataka Bank with an interest rate of 9.93% over 25 years, the EMI details are:

Tenure	EMI Payable	Total Amount Payable
25 years	₹39,648	₹1,18,94,400

45 Lakh Karnataka Bank Home Loan – Fees and Charges

Understanding the fees and charges associated with the Karnataka Bank 45 Lakh Home Loan is crucial for financial planning.

Fee/Charge	Details
Processing Fee	● For loan amounts up to ₹1 lakh: ₹2,500 ● For loan amounts over ₹2 lakhs: 2% of the loan amount (min ₹2,500, max ₹8,500)
Part-Prepayment Charges	Nil

45 Lakh Karnataka Bank Home Loan – Documents Required

Certain documents are required when applying for the Karnataka Bank 45 Lakh Home Loan. Here are the details:

Proof of Identity (Aadhar, PAN, Passport)
Proof of Address (Utility bills, Rent agreement)
Income Proof (Salary slips, Bank statements)
Property Documents (Sale deed, Title deed)
Other relevant documents, as required by the bank

45 Lakh Karnataka Bank Home Loan – Eligibility Criteria

Karnataka Bank’s 45 lakh home loan demands certain eligibility requirements from the borrowers. Here are the requirements:

Individuals who are residents of India
Individuals who are at least 18 years old
NRIs holding an Indian passport
Minimum salary of ₹10,000 for salaried individuals
Minimum income of ₹120,000 for businessmen and self-employed individuals

Frequently Asked Questions

What is the EMI for a 45 lakh home loan for 20 years at Karnataka Bank?

The EMI for a 45 lakh home loan for 20 years at Karnataka Bank with an interest rate of 9.93% is ₹42,841.

Who is eligible for a 45 lakh home loan at Karnataka Bank?

Eligible applicants include individuals who are residents of India, at least 18 years old, NRIs holding an Indian passport, salaried individuals with a minimum salary of ₹10,000, and self-employed individuals with a minimum income of ₹120,000.

What is the monthly interest rate of a 45 lakh home loan at Karnataka Bank?

Karnataka Bank's monthly interest rate for a 45 lakh home loan ranges from 9.93% to 12% p.a.

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