70 Lakh Home Loan From Ujjivan Small Finance Bank

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Ujjivan Small Finance Bank's ₹70 Lakhs home loan offers prospective homeowners affordable interest rates and flexible repayment terms. A committed team backs this bank and offers the financial assistance needed to buy a property, construct a new house, or upgrade your current space. With a focus on client satisfaction, Ujjivan provides a smooth house loan process, bringing you closer to owning the home you've always wanted. ₹70 Lakh loan EMI calculator at Ujjivan Small Finance Bank is also available to get the estimated EMIs. Take advantage of this opportunity to make your homeownership dreams come true with Ujjivan.

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Table of Content

1. 70 Lakh Home Loan Ujjivan Small Finance Bank Highlights

2. 70 Lakh Home Loan EMI for 5 Years Ujjivan Small Finance Bank

3. 70 Lakh Home Loan EMI for 10 Years Ujjivan Small Finance Bank

4. 70 Lakh Home Loan EMI for 15 Years Ujjivan Small Finance Bank

5. 70 Lakh Home Loan EMI for 20 Years Ujjivan Small Finance Bank

6. 70 Lakh Home Loan EMI for 25 Years Ujjivan Small Finance Bank

7. 70 Lakh Ujjivan Small Finance Bank Home Loan Fees and Charges

8. 70 Lakh Ujjivan Small Finance Bank Home Loan Documents Required

9. 70 Lakh Ujjivan Small Finance Bank Home Loan Eligibility Criteria

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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.

₹70 Lakh Home Loan Ujjivan Small Finance Bank – Highlights

Here are Ujjivan Small Finance Bank’s home loan interest rates for ₹70 Lakhs, along with highlights:

Key Highlights	Details
Loan Amount	₹70 Lakhs
Interest Rate	Starting from 8.75% p.a.
Loan Tenure	Up to 30 years
Processing Fee	0.50% of loan amount + GST

₹70 Lakh Home Loan EMI for 5 Years Ujjivan Small Finance Bank

Ujjivan Small Finance Bank’s housing loan EMI for ₹70 Lakhs is mentioned below in detail:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹70 Lakhs	8.75% p.a.	5 years	₹1,44,461	₹16,67,638	₹86,67,638

₹70 Lakh Home Loan EMI for 10 Years Ujjivan Small Finance Bank

Here are the ₹70 Lakhs home loan EMI for 10 years from the Ujjivan Small Finance Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹70 Lakhs	8.75% p.a.	10 years	₹87,729	₹35,27,447	₹1,05,27,447

₹70 Lakh Home Loan EMI for 15 Years Ujjivan Small Finance Bank

For an amount of ₹70 Lakhs, the EMI for 15 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹70 Lakhs	8.75% p.a.	15 years	₹69,961	₹55,93,053	₹1,25,93,053

₹70 Lakh Home Loan EMI for 20 Years Ujjivan Small Finance Bank

₹70 Lakh home loan EMI for 20 years from the Ujjivan Small Finance Bank is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹70 Lakhs	8.85% p.a.	20 years	₹61,860	₹78,46,340	₹1,48,46,340

₹70 Lakh Home Loan EMI for 25 Years Ujjivan Small Finance Bank

Ujjivan Small Finance Bank’s home loan of ₹70 Lakhs EMI for 25 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹70 Lakhs	8.85% p.a.	25 years	₹57,550	₹1,02,65,016	₹1,72,65,016

₹70 Lakh Ujjivan Small Finance Bank Home Loan – Fees and Charges

The fees and charges for the Ujjivan SFB Home Purchase and Home Construction Loan include a non-refundable loan processing fee of ₹3,350 plus applicable GST. Additionally, CLADUM charges, which cover credit, legal, administrative, documentation, document upkeep, and maintenance, range from 1.0% to 2.0% of the loan amount, plus applicable GST. These charges are essential to cover the administrative and operational costs of processing and maintaining the loan.

₹70 Lakh Ujjivan Small Finance Bank Home Loan – Documents Required

Here are the documents required for a ₹70 Lakh Home Loan from Ujjivan Small Finance Bank:

Document Category	Required Documents
Identity Proof	Aadhaar Card, PAN Card, Passport, Voter ID, or Driving Licence
Address Proof	Utility Bill (Electricity/Water), Passport, Rent Agreement, Aadhaar Card
Income Proof (Salaried)	Salary Slips (Last 3 Months), Form 16, Bank Statements (Last 6 Months)
Income Proof (Self-employed)	Income Tax Returns (Last 3 Years), Business Financials, Bank Statements (Last 12 Months)
Property Documents	Sale Agreement, Title Deed, NOC from Society, Allotment Letter
Age Proof	Birth Certificate, Passport, PAN Card, or any valid proof of age
Employment Proof	Employment Certificate, Offer Letter, or ID card from Employer
Photographs	Passport-sized photographs
Loan Application Form	Duly filled and signed application form

₹70 Lakh Ujjivan Small Finance Bank Home Loan – Eligibility Criteria

The following are the criteria for ₹70 Lakhs home loan eligibility at Ujjivan Small Finance Bank:

Criteria	Details
Age	Minimum: 21 years, Maximum: 65 years at loan maturity
Employment Type	Salaried individuals, self-employed professionals, and businessmen
Minimum Work Experience (Salaried)	At least 2 years of continuous employment
Minimum Business Experience (Self-employed)	Minimum 3 years of business continuity
Income Requirement	Stable and sufficient income to support the EMI payments
Credit Score	A good credit score (typically 650 or above)
Co-applicant	Co-applicant allowed (spouse, family members) to enhance loan eligibility
Property Type	Loan applicable for residential properties (flats, houses, etc.)

Frequently Asked Questions (FAQs)

What is the EMI for a ₹70 Lakh Home Loan for 20 years in the Ujjivan Small Finance Bank?

The EMI is approximately ₹61,860 at an interest rate of 8.75% p.a.

Who is eligible for a ₹70 Lakhs Home Loan in the Ujjivan Small Finance Bank?

Salaried individuals, self-employed professionals, and businessmen aged 21 to 65 with a stable income are eligible.

What is the monthly interest rate of a ₹70 Lakh home loan in the Ujjivan Small Finance Bank?

The monthly interest rate is around 0.73% (based on 8.75% p.a.).

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