50 Lakh Home Loan Yes Bank

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Are you a fan of modern architecture and want to apply some of those brilliant architectural ideas when you build your own house? YES Bank is offering a 50 lakh home loan to unleash your imagination without any limitations. Let your imagination fly, and make your home with all the customisation you want. The YES Bank 50 lakh home loan offers a low annual income rate and easy repayment options for up to 35 years. It applies to various needs such as construction, renovation, extension, etc.

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Table of Content

1. 50 Lakh Home Loan YES Bank Highlights

2. 50 Lakh Home Loan EMI for 10 Years YES Bank

3. 50 Lakh Home Loan EMI for 20 Years YES Bank

4. 50 Lakh YES Bank Home Loan Fees and Charges

5. 50 Lakh YES Bank Home Loan Documents Required

6. 50 Lakh YES Bank Home Loan Eligibility Criteria

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything 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.

50 Lakh Home Loan YES Bank – Highlights

Below are the key highlights of a 50 lakh YES Bank home loan:

Feature	Description
Loan Amount	Up to 50 lakh*
Loan Tenure	Up to 35 years
Interest Rate	9.40% – 10.25% p.a.
Home Loan Types	Acquisition of new or resale properties Loan for plot acquisition and construction Financing for home improvement, renovation, extension, or repair Transfer of existing home loan balance from other banks Top-up loan option available

50 Lakh Home Loan EMI for 10 Years YES Bank

Using the annual interest rate of 9.40%, you can compute the EMI payment for a 10-year house loan of 50 lakhs from YES Bank.

Loan Amount	Interest Rate	Loan Tenure	EMI
50 lakh	9.40%	10 Years	₹64,425 per month

50 Lakh Home Loan EMI for 20 Years YES Bank

With an annual interest rate of 9.40%, you may determine the EMI for a YES Bank home loan worth Rs. 50 lakh with a 20-year duration.

Loan Amount	Interest Rate	Loan Tenure	EMI
50 lakh	9.40%	20 Years	₹46,281 per month

50 Lakh YES Bank Home Loan – Fees and Charges

In addition to the interest rate that YES Bank offers, home loans come with additional fees. Among these costs are:

Particulars	Charges/Fees
Processing Fee	1.5% or Rs. 10,000, whichever is higher
Part-Payment/Pre-closure/Foreclosure Fees	For floating-rate loans, zero. For fixed-rate loans, the amount payable on the principal is 4%.
Late Payment Fees / Penal Interest Rate (Default Interest Rate)	After the 30-day grace period, for the remaining sum or duration at the agreed-upon rate

50 Lakh YES Bank Home Loan – Documents Required

The 50 lakh YES Bank home loan application needs to be filled out and signed. The following documents must also be submitted 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-sized photographs/duly filled form

50 Lakh YES Bank Home Loan – Eligibility Criteria

For eligibility for a 50 lakh Yes Bank home loan, the following criteria must be met:

Age range: 21-70 years.
Open to individuals with fixed salaries, self-employment, and NRIs.
The accepted nature of employment includes self-employed, salaried individuals, and agriculturists.
Salaried applicants require a minimum of two years of work experience, with at least six months in their current organisation.
Self-employed applicants should have at least three years of business or professional experience.

Frequently Asked Question (FAQs)

What is the EMI for a 50 lakh Home Loan for 20 years in YES Bank?

YES Bank would impose an EMI of ₹46,281 per month for a 20-year, 30 lakh home loan.

Who is eligible for a 50 lakh Home loan in YES Bank?

Both salaried individuals and company owners who meet the eligibility requirements can apply for a housing loan of Rs. 50 lakh from YES Bank. The bank's application standards apply to both Indian residents and NRIs. The qualifying standards include age, consistent income, credit score, and outstanding obligations.

What is the monthly interest rate of a 50 lakh home loan in YES Bank?

The annual interest rate for the Yes Bank 50 lakh home loan starts at 9.40%.

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