25 Lakh SBI Home Loan

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The 25 Lakh Home Loan from SBI can be applied for housing, investment and refinance. Most people trust the State Bank of India owing to its history and banking services. Their home loan products are readily accessible and affordable, catering to a large and dynamic customer base. 

The tenure of loans is also important in determining amounts of EMI. Monthly instalments decrease with longer loan tenure. A 25 lakh home loan from SBI can comfortably cater to various customer requirements, such as buying your first home, reconstructing a current property, or simply refinancing an existing loan. 

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Table of Content

1. 25 Lakh Home Loan SBI Highlights

2. 25 Lakh SBI Home Loan EMI for 10 Years

3. 25 Lakh SBI Home Loan EMI for 20 Years

4. 25 Lakh SBI Home Loan Fees and Charges

5. Documents Required for 25 Lakh SBI Home Loan

6. Eligibility Criteria For 25 Lakh Home Loan From SBI

Read more
Written By
Kirti Bansal
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
Piyush Bothra
Piyush Bothra
Chief Financial Officer, Square Yards
Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

25 Lakh Home Loan SBI – Highlights 

A 25 lakh home loan from SBI  is available at the following terms. 

Maximum Loan Amount ₹ 25,00,000
Rate of Interest (p.a.) Starting at 8.40% p.a.
Maximum Loan Tenure 30 Years

25 Lakh SBI Home Loan EMI for 10 Years 

If you have taken a home loan of ₹25 lakhs, with an interest rate of 8.45% per annum and a tenure of 10 years, the equated monthly instalment (EMI) for your ₹25 lakh home loan, calculated using an EMI calculator, will be: 

Loan Amount 25 Lakh
Interest Rate  (p.a.) 8.40% 
Loan Tenure 10 Years
EMI ₹30,930

25 Lakh SBI Home Loan EMI for 20 Years

Here’s the SBI housing loan EMI for 25 lakhs if the interest rate remains unchanged and the loan tenure is increased to 20 years.

Loan Amount 25 Lakh
Interest Rate  (p.a.) 8.40% 
Loan Tenure 20 Years
EMI ₹21,617

25 Lakh SBI Home Loan – Fees and Charges

The additional charges act as income for the bank. The below-given fees and charges are for a 25 lakh home loan from SBI.

  1. Processing Fee: This fee is the processing for a home loan application fee. SBI is a 0.35% plus GST charge.
  2. GST: Home loans also apply with 18% of GST as per the government guidelines.
  3. Other Fees: Some other charges like stamp duty and verification charges are also imposed on SBI home loans. 

Documents Required for 25 Lakh SBI Home Loan

Here are the documents needed while applying for a 25 Lakh Home Loan from SBI.

  1. Loan Application Form: Application that you had filled out for the loan amount. 
  2. KYC Documents: Identity Proof and Residence Proof
  3. Property Documents: Letters of allotment, occupancy certificate, conveyance deed and other documents.
  4. Income Proofs: Statements of the salary slips for the previous three months/balance sheet & profit and loss account for the three years.
  5. Financial Details: Statements of all bank accounts belonging to the applicant during the last six months.

Eligibility Criteria For 25 Lakh Home Loan From SBI

Take a look at the eligibility criteria for a 25 Lakh Home Loan from SBI:

  • Eligible applicants include individuals who are salaried or self-employed. 
  • The minimum age requirement is 18 years, while the maximum age allowed is 70 years. 
  • Applicants must be residents of India.
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