25 Lakh Home Loan Yes Bank

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Yes Bank's 25 lakh home loan unlocks your dream home with competitive rates, flexible repayment options, and a streamlined application process. Salaried, self-employed, and business owners can all qualify for customised solutions. Long repayment tenures, balance transfers, and top-up loans provide long-term support. Whether you're buying new, building, or renovating, Yes Bank helps you navigate the journey towards homeownership.

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Table of Content

1. 25 lakh Home Loan Yes Bank Highlights

2. 25 lakh home loan EMI for 10 years Yes Bank [80 words]

3. 25 lakh home loan emi for 20 years Yes Bank

4. 25 lakh Yes Bank home loan Fees and Charges

5. 25 lakh Yes Bank home loan Documents Required

6. 25 lakh Yes Bank home loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

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 Yes Bank – Highlights

Features	Description
Who Are Eligible?	Salaried and self-employed individuals with a stable income. Age typically between 23 to 60-65 years at loan maturity. A good credit score (750+).
Maximum Loan Amount	The amount is determined by the borrower’s income, repayment capacity, and property value. It can be up to 75%- 90% of the property’s value.
Loan Tenure	Up to 20-35 years, depending on the borrower’sor 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.

25 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	32,213	13,65,520	38,65,520

25 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	23,140	30,53,665	55,53,665

25 lakh Yes Bank home loan – Fees and Charges

For a 25 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.

25 lakh Yes Bank home loan – Documents Required

For a 25 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

25 lakh Yes Bank home loan – Eligibility Criteria

Before handing you the keys, Yes Bank wants to make sure you’re financially set for your new place. They’ll closely examine 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. Beyond these main points, Yes Bank may also consider your existing debts, your history of repaying past loans, and the value of the property you want to buy or build.

Frequently Asked Question (FAQs)

What is the EMI for a 25 lakh home loan for 20 years at Yes Bank?

The EMI for a 25 lakh home loan for 20 years in Yes Bank, with an interest rate of 9.40%, is approximately INR 23,140

Who is eligible for a 25 lakh Home loan in Yes Bank?

Eligibility criteria for a 25 lakh home loan in Yes Bank typically include income level, credit history, and employment status.

What is the monthly interest rate of a 25 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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