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₹35 lakh Home Loan
A Home Loan of ₹35 lakh offers the financial support you need to purchase your dream home without compromising on your aspirations. With property prices increasing, the desire to own a home slips further away. However, with determination and the right tools, buying a home is now within your reach. With a ₹35 lakh loan EMI you get the necessary financial support to buy your favourite property without breaking the bank, making homeownership a hassle-free experience.
So, do not let rising property rates hold you back and take the first step by exploring our Home Loan options today!
₹35 lakh loan EMI for 10 years
Home Loan Details | Amount in ₹ |
|---|---|
Principal Loan Amount | ₹35,00,000 |
Annual Interest Rate | 9.10%* |
₹ 35 lakh Loan EMI for 10 years | ₹44,526 |
Total Interest Payable | ₹18,43,139 |
Total Repayment Amount | ₹53,43,139 |
*Actual interest rates may differ from those listed as they depend on the lender’s discretion and policies and market changes.
EMI for ₹35 lakhs Home Loan for 15 years
Home Loan Details | Amount in ₹ |
|---|---|
Principal Loan Amount | ₹ 35,00,000 |
Annual Interest Rate | 9.10%* |
EMI for ₹35 lakhs Home Loan for 15 years | ₹ 35,708 |
Total Interest Payable | ₹ 29,27,411 |
Total Repayment Amount | ₹ 64,27,411 |
*Actual interest rates may differ from those listed as they depend on the lender’s discretion and policies and market changes.
What are the fees and charges applicable on a ₹35 lakh Home Loan?
Here are the fees and charges applicable on a ₹35 lakh loan:
- Processing fee- Charged for loan processing and verification.
- Prepayment charges- Levied on early loan repayment.
- Cheque dishonour charges- Applicable on bounced cheques for repayment.
- Conversion charges- Imposed when switching loan schemes.
- Late payment fee- Charged on late ₹35 lakh Home Loan EMI payments.
- Loan tenure modification charges- Applicable on changing repayment frequency.
Note: Home Loan fees and charges are subject to change. Always check with your bank for the up-to-date information.
Factors impacting the interest rate on a ₹35 lakh Home Loan:
Interest rates and ₹35 lakh Loan EMIs are largely influenced by a combination of internal (related to the loan and borrower) and external (market-related) factors.
Here are some of the key influencers that play a crucial role in determining Home Loan interest rates:
- Borrower’s credit score, income, occupation, age and existing debt.
- Loan-to-Value (LTV) ratio
- Loan tenure
- Loan principal value
- Interest rate type
- Market conditions
- RBI policies
₹35 lakh Home Loan: Essential documents to be submitted:
- For identification: Passport-size photographs, passport, voter ID, Aadhaar card or PAN card.
- For address verification: Utility bills, Aadhaar card, driving licence or passport.
- For signature verification: Passport, PAN card, notarised affidavit or banker’s verification.
- For age verification: Birth certificate, Aadhaar card with DOB, PAN card, driving licence, or SSC mark sheet.
₹35 lakh Home Loan application procedure
- 01
Visit the Axis Bank Home Loan webpage and click on “Apply Now” button.
- 02
Go through the eligibility requirements to ensure that you meet the necessary standards.
- 03
Enter the details asked in the application form and submit the required documents.
- 04
Pay the processing fee.
- 05
Once you have paid the applicable fee, you will receive a loan sanction letter outlining the loan specifics and terms and conditions, such as ₹35 lakh loan EMI, interest rate, etc.
- 06
Meanwhile, Axis Bank will review your application to verify the information provided. A professional will carry out a property inspection for legal and valuation purposes.
- 07
After successfully verifying your Home Loan application, the bank will provide you with the approved loan amount at the earliest.
Great plans start with well-calculated decision
Home Loan EMI Calculator
Calculating your Home Loan EMI is now easier than ever with our user-friendly and efficient Home Loan EMI Calculator. Whether you have a ₹30 lakh home loan EMI for 20 years or a ₹20 lakh home loan EMI for 10 years, use our Home Loan EMI calculator to effortlessly manage your repayments and make your dream home a reality.
₹
3L
20Cr
%
6.50% 12%
Y
1Y30Y
Your EMI*₹ 1,14,678
Get a call back*Equated Monthly Installment'
Note: To see amortization schedule, please click here.
Total Amount Payable
1,37,621
Home Loan Eligibility Calculator
A place to call our own is an aspiration for most of us. But owning a home requires a lot of planning, given the costs involved. However, with the right kind of financial support, buying your own home is a dream that you can fulfil easily.
Loan Amount
₹ 1,55,455.03
Home Loan for Every Budget
Frequently Asked Questions
The EMI for a ₹35 lakh Home Loan can fluctuate substantially depending on the loan tenure. For example- the EMI for 35 lakhs home loan for 15 years will be significantly higher than that of a ₹35 lakh Home Loan for 20 years.
Therefore, it is suggested that you utilise our easy-to-use Home Loan EMI calculator for instant, precise results.
Determining the salary requirements for a ₹35 lakh loan involves various considerations, including your age, employment type, creditworthiness and loan specifics. For a customised and error-free estimate, you should use our Home Loan eligibility calculator.
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