15 Lakh Home Loan Yes Bank

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Own your dream home with ease! Yes Bank's 25 lakh home loan offers competitive rates, flexible repayment plans, and a hassle-free application process. Yes Bank tailors solutions to fit your needs whether you're a salaried employee, self-employed professional, or businessman. Enjoy long repayment terms for manageable monthly payments and the freedom to transfer existing loans or access additional funds through top-up options. With clear documentation and dedicated customer service, Yes Bank simplifies the journey towards homeownership. Start building your future today!

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Table of Content

1. 15 lakh Home Loan Yes Bank Highlights

2. 15 lakh home loan EMI for 10 years Yes Bank [80 words]

3. 15 lakh home loan emi for 20 years Yes Bank [80 words]

4. 15 lakh Yes Bank home loan Fees and Charges

5. 15 lakh Yes Bank home loan Documents Required

6. 15 lakh Yes 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.

15 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. They have a good credit score (750+).
Maximum Loan Amount	The borrower’s income, repayment capacity, and property value determine the amount. It can be up to 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.

15 lakh home loan EMI for 10 years Yes Bank [80 words]

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

15 lakh home loan emi for 20 years Yes Bank [80 words]

Interest	Number of EMIs	Amount of one EMI	Total Interest Paid	Total payments made over the loan term
9.40%	240	INR 13,884	INR 18,32,199	INR 33,32,199

15 lakh Yes Bank home loan – Fees and Charges

For a 15 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.

15 lakh Yes Bank home loan – Documents Required

For a 15 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

15 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 15 lakh Home Loan for 20 years in Yes Bank?

The EMI for a 15 lakh home loan for 20 years in Yes Bank, with an interest rate of 9.40%, is approximately INR 13,884

Who is eligible for a 15 lakh Home loan in Yes Bank?

Eligibility criteria for a 15 lakh home loan in Yes Bank typically include income level, credit history, and employment status.

What is the monthly interest rate of a 15 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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