35 Lakh Home Loan Yes Bank

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A 35 lakh home loan from Yes Bank opens the doors to your dream home! With this amount, you can find well-sized 1 BHK apartments in developing areas, independent 1-2 bedroom houses on the city's outskirts, or even builder-floor options. Remember, the specific property type depends on the city, size, age, and amenities. Explore your options and find the perfect fit with Yes Bank's 35 lakh home loan!

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Table of Content

1. 35 lakh Home Loan Yes Bank Highlights

2. 35 lakh home loan EMI for 10 years Yes Bank

3. 35 lakh home loan EMI for 20 years Yes Bank

4. 35 lakh Yes Bank home loan Fees and Charges

5. 35 lakh Yes Bank home loan Documents Required

6. 35 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.

35 lakh Home Loan Yes Bank – Highlights

Features	Description
Who Are Eligible?	Salaried and self-employed individuals aged between 23 and 60-65 years old at loan maturity. They have a good income and 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’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.

35 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	₹45,098	₹19,11,729	₹54,11,729

35 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	₹32,396	₹42,75,130	₹77,75,130

35 lakh Yes Bank home loan – Fees and Charges

Yes Bank’s 35 lakh home loan comes with a processing fee. This fee can be either 1.5% of the loan amount or Rs. 10,000 (whichever is higher), plus GST. There may also be additional charges for late payments, early loan settlements (prepayment), and completely terminating the loan (foreclosure).

35 lakh Yes Bank home loan – Documents Required

For a 35 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

35 lakh Yes Bank home loan – Eligibility Criteria

Yes Bank wants to ensure you’re ready for homeownership success! Here’s what they’ll consider:

Affordability: Stable income is key. They’ll check if your paycheck comfortably covers the monthly repayments. A reliable employer strengthens your case.
Creditworthiness: Your credit score is your financial report card. A high score (750+) shows responsible borrowing habits and boosts your chances of approval.
Age Range: They typically prefer applicants within a certain age (23-60 for salaried, up to 65 for self-employed) to ensure repayment before retirement.
Financial Picture: Besides these main points, they might also consider existing debts, past loan repayment history, and property value.

Frequently Asked Question (FAQs)

What is the EMI for a 35 lakh Home Loan for 20 years in Yes Bank?

The EMI for a 35 lakh home loan for 20 years in Yes Bank, with an interest rate of 9.40%, is approximately ₹32,396

Who is eligible for a 35 lakh Home loan in Yes Bank?

Eligibility criteria for a 35 lakh home loan in Yes Bank include income level, credit history, and employment status.

What is the monthly interest rate of a 35 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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