10 Lakh Home Loan Yes Bank

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Bring your dream home within reach with Yes Bank's accessible 10 lakh home loan. This loan caters to both salaried and self-employed individuals, offering competitive rates and flexible repayment terms of up to 20 years. Yes Bank simplifies the process with easy documentation and dedicated customer support, making homeownership a reality. Build, buy, or renovate – Yes Bank empowers you every step of the way.

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Table of Content

1. 10 lakh Home Loan Yes Bank Highlights

2. 10 Lakh Home Loan EMI for 10 years Yes Bank

3. 10 Lakh Home Loan EMI for 20 years Yes Bank

4. 10 lakh Yes Bank Home Loan Fees and Charges

5. 10 Lakh Yes Bank Home Loan Documents Required

6. 10 Lakh Yes Bank Home Loan Eligibility Criteria

Written By

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

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.

10 lakh Home Loan Yes Bank – Highlights

Features	Description
Who Are Eligible?	Salaried and self-employed individuals with a stable income. At loan maturity, they are typically between 23 and 60-65 years old and have a good credit score (750+).
Maximum Loan Amount	The borrower’s income, repayment capacity, and property value determine the amount. It can be 75%—90% of the property’s value.
Loan Tenure	Up to 20-35 years, depending on the borrower’s profile and the loan amount.
Margin	Borrower’s share in the property purchase price, with banks financing 75%-90% of the property value.
Upfront Fee	Processing charge, usually up to 1.5% of the loan amount or a minimum amount, plus GST.
Collateral/Security	The property being financed usually serves as collateral. Additional security may be required.

10 Lakh Home Loan EMI for 10 years Yes Bank

Interest	Number of EMIs	Amount of one EMI	Total Interest Paid	Total payments made over the loan term
9.40%	120	INR 19,328	INR 8,19,312	INR 23,19,312

10 Lakh Home Loan EMI for 20 years Yes Bank

Interest	Number of EMIs	Amount of one EMI	Total Interest Paid	Total payments made over the loan term
9.40%	240	INR 9,256	INR 12,21,466	INR 22,21,466

10 lakh Yes Bank Home Loan – Fees and Charges

For a 10 lakh home loan from Yes Bank, fees and charges include a processing fee of up to 1.5% of the loan amount or Rs. 10,000, whichever is higher, plus applicable GST. Additional charges may apply for late payments, prepayment, and loan foreclosure.

10 Lakh Yes Bank Home Loan – Documents Required

For a 10 lakh home loan from Yes Bank, applicants need to submit:

Proof of Identity (Aadhaar/PAN card)
Address Proof
Recent Salary Slips (for employed) or business proof (for self-employed)
Bank Statements
ITRs
Property Documents
A duly filled loan application form

10 Lakh Yes Bank Home Loan – Eligibility Criteria

Yes Bank closely examines your financial health through a few key factors:

Can you afford the monthly payments? Yes, the Bank will assess your income stability to ensure you can comfortably swing the loan repayments. A steady paycheck from a reliable employer strengthens your case.
How’s your credit score? Think of your credit score as your financial report card. A high score (think 750 and above) tells the Bank you’re a responsible borrower, increasing your chances of loan approval.
Age is a factor. Yes, the bank prefers applicants within a specific age range. This is to ensure the loan is repaid before retirement. Generally, salaried individuals fall between 23 and 60 years old, while self-employed borrowers can extend to 65.
The bigger picture. In addition to these main points, Yes Bank may also consider your existing debts, your history of repaying past loans, and the value of the property you aim to buy or build.

Frequently Asked Question (FAQs)

What is the EMI for a 10 lakh Home Loan for 20 years in Yes Bank?

The EMI for a 10 lakh home loan for 20 years in Yes Bank, with an interest rate of 9.40%, is approximately INR 9,256.

Who is eligible for a 10 lakh Home loan in Yes Bank?

Eligibility criteria for a 10 lakh home loan in Yes Bank typically include income level, credit history, and employment status.

What is the monthly interest rate of a 10 lakh home loan in Yes Bank?

The monthly interest rate for a home loan in Yes Bank is 9.40% to 10.25% p.a.

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