30 Lakh Home Loan Yes Bank

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Owning a home is a dream for every individual, and YES Bank is here to make your dreams come true. A YES Bank 30 lakh home loan is an offering for those who want to possess their dream home without facing financial overburden. Now you can start acting on your dream to fulfil it without any tension. With competitive interest rates starting from 9.40% and versatile repayment options, this option is viable for those with a persistent salary or those who are self-employed, businesspeople, or agriculturalists.

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Table of Content

1. 30 Lakh Home Loan YES Bank Highlights

2. 30 Lakh Home Loan EMI for 10 Years YES Bank

3. 30 Lakh Home Loan EMI for 20 Years YES Bank

4. 30 Lakh YES Bank Home Loan Fees and Charges

5. 30 Lakh YES Bank Home Loan Documents Required

6. 30 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

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.

30 Lakh Home Loan YES Bank – Highlights

Here are the main features of YES Bank’s home loan for 30 lakhs:

Feature	Description
Loan Amount	Up to 30 lakh*
Loan Tenure	Up to 35 years
Interest Rate	9.40% – 10.25% p.a.
Home Loan Types	Purchase or resale of properties Plot plus construction loan Home improvement, renovation, extension, or repair loan Balance transfer of home loan from other banks Top-up loan

30 Lakh Home Loan EMI for 10 Years YES Bank

You can calculate the EMI payment for a 10-year YES Bank house loan of 30 lakhs with an annual interest rate of 9.40%.

Loan Amount	Interest Rate	Loan Tenure	EMI
30 lakh	9.40%	10 Years	₹38,655 per month

30 Lakh Home Loan EMI for 20 Years YES Bank

You may calculate the EMI for a 30 lakh home loan from YES Bank with a 20-year term using the yearly interest rate of 9.40%.

Loan Amount	Interest Rate	Loan Tenure	EMI
30 lakhs	9.40%	20 Years	₹27,768 per month

30 Lakh YES Bank Home Loan – Fees and Charges

There are other costs associated with home loans in addition to the interest rate that YES Bank offers. These fees include:

Particulars	Charges/Fees
Processing Fee	1.5% or Rs. 10,000, whichever is higher
Part-Payment/Pre-closure/Foreclosure Fees	Nil for floating-rate loans 4% on the principal outstanding for fixed-rate loans
Late Payment Fees / Penal Interest Rate (Default Interest Rate)	Beyond the 30-day grace period, for the outstanding amount/time at the contractual rate

30 Lakh YES Bank Home Loan – Documents Required

You must complete and sign the 30 lakh Yes Bank home loan application and submit the following documents for approval.

Identity and residence proof	Aadhaar Card PAN Card Voter ID Driving License or Passport
Proof of Income	Latest three months’ salary slips Form 16 for the last two years Bank statements for the previous six months
Property Related Documents	NOC from builders/society Registered sale deed/buyer agreement
Other Documents for Home Loan	Passport-size photographs/duly filled form

30 Lakh YES Bank Home Loan – Eligibility Criteria

To qualify for a 30 lakh Yes Bank home loan, you need to meet the following criteria:

Age limit: 21-70 years.
Eligibility for individuals with a fixed salary, self-employed status, and NRIs.
Nature of employment accepted: Self-employed, salaried individuals, and agriculturists.
Salaried applicants must have a minimum of two years of work experience, with at least six months in the current organisation.
Self-employed applicants need at least three years in business or a profession.

Frequently Asked Question (FAQs)

What is the EMI for a 30 lakh Home Loan for 20 years in YES Bank?

For a 20-year, 30 lakh home loan with a 9.40% annual interest rate, YES Bank will charge an EMI of ₹27,768 per month.

Who is eligible for a 30 lakh home loan from YES Bank?

YES Bank offers 30 lakh home loans to qualified candidates, including salaried individuals and business owners. The eligibility requirements are determined by age, steady income, credit score, and current debts. It is imperative to fulfil the bank's application requirements, which apply to Indians and non-resident Indians (NRIs).

What is the monthly interest rate of a 30 lakh home loan in YES Bank?

Yes Bank's 30 lakh home loan has an annual interest rate of 9.40%.

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