25 Lakh Home Loan EMI & Interest Rate
A 25 lakh home loan is a type of financing option that you can avail of to buy or construct a house. As you can see, it represents a large amount of money, and a crucial aspect that you should pay attention to is how to repay the loan.
Typically, you will be required to make regular fixed payments, known as equated monthly instalments (EMIs), to your lender at specified intervals. These EMIs are ideally determined by the interplay of factors such as the interest rate, loan tenure, and the borrowed amount. However, failing to consider or calculate your EMIs properly can cause a massive dent in your savings and, eventually, affect your day-to-day expenses as well.
To make your homeownership journey a bit easier, Urban Money presents a detailed view of 25 lakh home loan EMI. Hereunder, we will discuss the 25 lakh home loan EMI calculator, features and benefits of 25 lakh loan EMI, fees and charges, factors affecting it, required documents, etc.
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Table of Content
Features and Benefits of 25 lakh Home Loan
Let’s take a look at some of the key factors and benefits of a home loan 25 lakh EMI.
Get Rid of Rent
If you are someone living on rent, you are likely familiar with the challenges of rent hikes, lease agreements, or landlord issues, all of which can eat up a large portion of your income and savings. Hence, to put it bluntly, once you buy a home, you are no longer obligated to pay rent.
Long Repayment Tenure
Home loans are the only loans that offer a tenure of up to 30 years, and some lenders are even willing to extend it up to 40 years. Ideally, the longer the tenure, the lesser the EMI amount would be. By doing so, you can ultimately eliminate the risk of defaulting on your EMIs, making it easier for you to manage your repayment journey with more ease and better.
Low-Interest Rates
The average interest rate for a 25 lakh home loan EMI typically falls somewhere between 8% to 9% p.a. This rate is notably among the lowest when compared to other types of loans such as personal loans, car loans, business loans, and else. The reason behind this is that home loans are classified as secure loans, backed by your mortgaged property. This favourable context mitigates the risk for lenders, resulting in rock-bottom interest rates available in the market.
Tax Benefits
As the Indian government offers tax advantages for housing loans, you can get a tax deduction of up to Rs. 1.5 lakhs under Section 80C and up to Rs. 2 lakhs under Section 24B. Notably, You cannot claim any deduction for the pre-construction period, which is the period from the date of borrowing the loan till the end of the financial year before the completion of construction.
Appreciating Asset
An appraising asset is any asset whose value is increasing over time, and real estate is on top of that. Namely, obtaining a 25 lakh home loan enables you to buy a property today, as real estate prices usually go up in the long run, which is bound to be appreciated in future. Moreover, you have the option to sell or rent your house and potentially gain more value than what you initially paid for it, reinforcing the idea that residential real estate continues to be a profitable investment.
An Adobe Call Your Own
When you reside on someone else’s property, you are essentially subject to their terms and conditions, as your landlord may or may not impose restrictions on your personal freedom. Thus, when you own a house, you have full control and security over your property. You can make any changes you desire to your home, whether it’s decorating, renovating, or even selling it. In addition to the sense of accomplishment that comes with timely repayment of a home loan, it also provides you with a place of your own where you can live peacefully and securely with your loved ones.
25 lakh Home Loan Eligibility Criteria
Following are the common eligibility criteria for a home loan 25 lakh EMI:
- Age: Be at least 21 years old and not more than 60 years old at the time of loan maturity.
- Income: Have a stable source of income, preferably ranging from Rs 20,000 to Rs 25,000 per month.
- Occupation: Both salaried and self-employed individuals are applicable.
- Credit Score: Have a good credit score and credit history, preferably above 700.
- Residence: The applicant might be an Indian citizen.
Factors Affecting 25 lakh Home Loan EMI
Let’s take a look at several factors affecting your loan tenure.
Age
Typically, lenders require you to fully repay your home loans by the age of 60, which is the retirement age in India. Thus the younger you are, the longer your loan tenure would be, and vice versa.
EMI
EMI, which stands for Equated Monthly Instalment, is the fixed monthly payment you need to make to repay your 25 lakh home loan. Notably, the EMI amount decreases with a longer loan tenure and increases with a shorter one.
Income
Having a significant income can facilitate a higher loan amount, which may result in better terms and rates. Nevertheless, individuals with high incomes also have the option to expedite loan repayment by opting for a shorter tenure.
Credit Score
The higher your credit score, the greater the likelihood of getting approved for your loan application. Ideally, lenders view a credit score of 700 or above as favourable.
Your Existing Debts & Loans
Maintaining a low debt-to-income ratio, which means your total monthly debts should not exceed 40% of your monthly income, can have a positive impact on your 25 lakh home loan EMI.
Loan-To-Value Ratio
Having a high loan-to-value ratio, where the loan amount you request does not surpass 90% of the property value, can also impact your home loan approval and the applicable interest rate.
Interest Rate
The interest rate represents the percentage of additional money you must pay on your home loan amount. It is ultimately determined by various factors such as your credit score, income, loan amount, tenure, and more. A house loan EMI calculator can help you see the impact of different interest rates on your monthly payments.
Documents Required for 25 lakh Home Loan
Following are the general documents required for a home loan 25 lakh EMI.
- KYC Documents: PAN card, Aadhaar card, passport, voter ID card, driving licence, etc.
- Income Documents: For salaried applicants — salary slips, Form 16, bank statements, income tax returns, etc. For self-employed applicants — profit and loss account, balance sheet, business licence, registration certificate, etc.
- Property Documents: Title deeds, sale agreements, allotment letters, receipts of payments, encumbrance certificates, etc.
Home Loan EMIs Based on Different Budgets
25 lakh Home Loan Processing Fees & Other Charges
Let’s take a look at the common fee structure you can expect on your 25 lakh Home Loan EMI:
Fee/Charge | Description | Amount |
Processing Fee | A one-time charge for processing the loan application | 0.25% to 3% of the loan amount + GST |
Technical Assessment Fee | A charge for assessing the physical and market value of the property | Rs 1,000 to Rs 5,000 + GST |
Legal Fee | A charge for verifying the legal documents of the property | Rs 2,000 to Rs 10,000 + GST |
Stamp Duty | A tax levied by the state government on the property transaction | Varies from state to state, usually 3% to 10% of the property value |
Registration Charge | A fee paid to the registrar for transferring property ownership into your name | Varies from state to state, usually 1% to 2% of the property value |
Documentation Charge | A charge for preparing and executing the loan agreement and other documents | Rs 500 to Rs 2,000 + GST |
Prepayment Charge | A penalty for repaying the loan amount before the end of the tenure | Nil for floating-rate loans; varies for fixed-rate loans |
Foreclosure Charge | A penalty for closing the loan account before the end of the tenure | Nil for floating-rate loans; varies for fixed-rate loans |
Conversion Charge | A fee for switching from one interest rate type or scheme to another | 0.5% to 2% of the outstanding loan amount + GST |
Cheque Bounce Charge | A penalty for dishonouring a cheque or ECS mandate due to insufficient funds or other reasons | Rs 500 to Rs 1,000 per instance + GST |
Late Payment Charge | A penalty for delaying or missing an EMI payment | 2% to 3% per month on the overdue amount |
25 Lakh Home Loan EMI Calculator
Here is a list of EMIs you can expect when securing a home loan with tenures of 5, 10, 15, 20, 25, and 30 years.
25 Lakh Home Loan EMI For 5 Years
The below mentioned table showcases you the EMI for 25 lakh home loan for 5 years at 8.45% p.a interest rate.
Loan Amount | Rs. 25 Lakhs |
Rate of Interest | 8.50% |
Loan Tenure | 5 Years |
EMI | Rs. 51,291 |
Interest Payable | Rs. 5,77,460 |
Total Amount Payable | Rs. 30,77,460 |
25 Lakh Home Loan EMI For 10 Years
The below mentioned table showcases you the EMI for 25 lakh home loan for 10 years at 8.45% p.a interest rate.
Loan Amount | Rs. 25 Lakhs |
Rate of Interest | 8.50% |
Loan Tenure | 10 Years |
EMI | Rs. 30,996 |
Interest Payable | Rs. 12,19,520 |
Total Amount Payable | Rs. 37,19,520 |
25 Lakh Home Loan EMI For 15 Years
The below mentioned table showcases you the EMI for 25 lakh home loan for 15 years at 8.45% p.a interest rate.
Loan Amount | Rs. 25 Lakhs |
Rate of Interest | 8.50% |
Loan Tenure | 15 Years |
EMI | Rs. 24,618 |
Interest Payable | Rs. 19,31,240 |
Total Amount Payable | Rs. 44,31,240 |
25 Lakh Home Loan EMI For 20 Years
The below mentioned table showcases you the EMI for 25 lakh home loan for 20 years at 8.45% p.a interest rate.
Loan Amount | Rs. 25 Lakhs |
Rate of Interest | 8.50% |
Loan Tenure | 20 Years |
EMI | Rs. 21,696 |
Interest Payable | Rs. 27,07,040 |
Total Amount Payable | Rs. 27,07,040 |
25 Lakh Home Loan EMI For 25 Years
The below mentioned table showcases you the EMI for 25 lakh home loan for 25 years at 8.45% p.a interest rate.
Loan Amount | Rs. 25 Lakhs |
Rate of Interest | 8.50% |
Loan Tenure | 25 Years |
EMI | Rs. 20,131 |
Interest Payable | Rs. 35,39,300 |
Total Amount Payable | Rs. 60,39,300 |
25 Lakh Home Loan EMI For 30 Years
The below mentioned table showcases you the EMI for 25 lakh home loan for 30 years at 8.45% p.a interest rate.
Loan Amount | Rs. 25 Lakhs |
Rate of Interest | 8.50% |
Loan Tenure | 30 Years |
EMI | Rs. 19,223 |
Interest Payable | Rs. 44,20,280 |
Total Amount Payable | Rs. 69,20,280 |
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Important Key Points to Consider While Taking a 25 lakh Home Loan
Here is a list of tips you can follow in order to decide the ideal home loan tenure for you:
Your Repayment Capacity
You should evaluate your present and future income, expenses, savings, and investments in order to gauge the EMI amount that you can afford, ensuring it doesn’t impact your other financial priorities and goals. A general guideline is to maintain your EMI at or below 40% of your net monthly income.
Interest Cost
You should compare the interest rates and associated costs offered by various lenders for different home loan tenures. Additionally, check for prepayment charges and penalties that could be applicable if you decide to repay your loan before the agreed tenure. Notably, longer terms may feature lower interest rates but result in higher overall interest costs over the loan period, while shorter tenures may have higher interest rates but lower total interest costs.
Additional Charges
Be vigilant about processing fees, prepayment penalties, or any concealed charges that might be associated with your loan. If you have any doubts, consider contacting the lender’s representative either by phone or through a direct visit. This proactive approach can help prevent any unexpected or unpleasant surprises in the future.
Tax Benefits
You should verify the tax benefits available to you under Section 80C and Section 24 of the Income Tax Act. The maximum deduction for principal repayment is Rs. 1.5 lakh p.a., and for interest payments is Rs. 2 lakh p.a. To emphasise, opting for a longer tenure may enable you to maximise your tax benefits over time, while choosing a shorter tenure could reduce both your tax benefits and interest costs.
Tips to Minimise Your 25 lakh Home Loan EMI
Let’s take a look at certain tips you can follow to minimise your 25 lakh loan EMI.
Find the Lowest Interest Rate
An online search can easily give you the range of interest rates charged by various banks and housing finance companies. However, you need to understand that the lowest rate is not offered to all borrowers as it often comes with various terms and conditions. By doing so, you need to compare the best rate that you can get for your profile. Having a good credit score, a female co-applicant, and a salaried income can help you get a lower interest rate.
Pick the Right Property
Many lenders maintain a list of property types and locations in which they do not provide loans. If your property falls into such categories, you might encounter a higher interest rate or even face rejection of your loan application. Hence, it’s essential to consult with your lender before finalising the property. Moreover, you should avoid properties that are under litigation, have unclear titles, or have structural defects.
Arrange for a Higher Downpayment
The higher the downpayment you make, the lower your loan amount and hence your EMI. Most lenders require you to pay at least 20% of the property value as a downpayment, but you can pay more if you have sufficient funds. This will also reduce your interest cost and improve your eligibility for the loan.
Opt Longer Tenure
The longer your loan tenure, the lower your EMI will be. However, this also means that you will pay more interest over the loan period. So, it is prudent to balance your EMI affordability with your interest outgo. You can also use a 25 lakh home loan EMI calculator via the Urban Money website, one of the most trusted fintech platforms in India, to assess how different tenures affect your EMI amount.
Go for Home Saver Loans
Several lenders provide home-saving loans that enable you to deposit your extra funds into a connected savings or current account, effectively reducing your interest liability. Namely, interest is computed based on the net outstanding loan balance minus the balance in your linked account. Thereby you can cut down on interest and and also withdraw your funds whenever you need them.
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- Navi Personal Loan Eligibility Calculator
- Axis Bank Personal Loan of 20000
- IDBI Bank Travel Loan
- Yes Bank Personal Loan of 3 Lakh
- Yes Bank Personal Loan of 5 Lakh
- Karur Vysya Bank Travel Loan
- RBL Bank Overdraft Loan
- Federal Bank Salaried Employee Personal Loan
- IDBI Bank Self Employed Personal loan
- Union Bank of India Personal Loan of 10 lakh
- PNB Personal Loan of 2 Lakh
- Canara Bank Government Employees Personal Loan
- IDBI Bank Personal Loan of 5 Lakh
- PNB Government Employees Personal loan
- Bank Of India overdraft loan
- BOB Government Employees Personal Loan
- ICICI Personal Loan of 5 Lakh
- HDFC Personal Loan for Medical
- IDBI Bank Students Personal loan
- IDBI Bank Personal Loan of 4 Lakh
- Axis Bank Empower Home Loan Scheme
- Indian Bank Personal Loan of 3 lakh
- PNB Personal Loan of 1 Lakh
- Kotak Bank Government Employees Personal Loan
- IDFC First Medical Loan
- ICICI Medical Loan
- Axis Bank Personal Loan For Medical
- Yes Bank Personal Loan for Wedding
- IDFC First Personal Loan for Wedding
- Kotak Medical Loan
- Yes Bank Medical Loan
- Indusind Bank Personal Loan of 3 Lakh
- Canara Bank Personal Loan of 8 Lakh
- BOB Housewife Personal Loan
- ICICI Bnak Housewife Personal Loan
- Union Bank of India Personal Loan of 8 lakh
- Indusind Bank Personal Loan of 5 Lakh
- Yes Bank Personal Loan of 9 Lakh
- Axis Bank Personal Loan of 10 lakh
- RBL Bank Short Term Personal Loan
- Kotak Mahindra Bank Personal Loan of 2 Lakh
- Bank of India Salaried Employee Personal Loan
- RBL Bank Personal Loan of 2 Lakh
- HSBC Bank Small Loans
- HDFC Personal Loan of 10000
- HSBC Bank Overdraft Loan
- PNB Personal Loan of 40000
- IDBI Bank Personal Loan of 3 Lakh
- IDFC First Bank Personal Loan Balance Transfer
- Union Bank of India Personal Loan of 9 lakh
- HSBC Bank Personal Loan Transfer
- Bank Of Baroda Small Loans
- Yes Bank Travel Loan
- Kotak Travel Loan
- HDFC Personal Loan of 2 Lakh
- Canara Travel Loan
- HDFC Personal Loan of 4 Lakh
- SBI Personal Loan of 20,000
- Home Loan
- Personal Loan
- Loan Against Property
- Business Loan
- Federal Bank Personal Loan for Lawyers
Bank Wise Home Loan Eligibility Calculator
- SBI Home Loan Eligibility Calculator
- HDFC Home Loan Eligibility Calculator
- Axis Bank Home Loan Eligibility Calculator
- ICICI Home Loan Eligibility Calculator
- LIC Home Loan Eligibility Calculator
- PNB Home Loan Eligibility Calculator
- Canara Bank Home Loan Eligibility Calculator
- Bank of Baroda Home Loan Eligibility Calculator
- Bank of India Home Loan Eligibility Calculator
Frequently Asked Questions (FAQs)
How is the EMI amount calculated for a 25 lakh home loan?
You can easily calculate your EMI amount using the 25 lakh loan EMI calculator, located on the Urban Money website.
What is an amortisation schedule for a 25 lakh home loan EMI?
An amortisation schedule can help you understand how your 15 lakh loan EMI works and how it changes over time.
Can I make prepayments towards my 25 lakh home loan to reduce the EMI burden?
Yes, you can make prepayments towards your 25 lakh home loan to reduce the EMI burden, as long as your lender allows it. This can also help you save on interest and reduce your debt burden.
How can I manage my finances to ensure I can comfortably pay my 25 lakh home loan EMI?
A general guideline is to keep your EMI at or below 40% of your net monthly income.
What is the rate of interest for a 25 lakh Home Loan?
The average interest rate for a 25 lakh home loan typically ranges from 8% to 9% per annum.
What should be the minimum salary to get a 25 lakh Home Loan?
The minimum salary for a 25 lakh home loan is typically between Rs. 30,000 and Rs. 40,000. However, this can vary based on the lender, loan type, and borrower’s profile.