10 Lakh Home Loan From Karur Vysya Bank

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Karur Vysya Bank ₹10 Lakh home loan is perfect for aspiring homeowners aiming to purchase or build their home in emerging neighbourhoods with growing investment appeal. This loan can provide significant relief to senior citizens who wish to downsize comfortably and to small families seeking a cosy, compact home. With a customer-friendly approach, the loan is available to both salaried and self-employed individuals at competitive interest rates. Borrowers can fill out the form digitally and expect quick loan disbursement, ensuring they don’t miss out on any opportunities. Karur Vysya Bank's ₹10 Lakh home loan brings you one step closer to owning a home, backed by trust, transparency, and tailored benefits.

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10 Lakh Karur Vysya Bank Home Loan EMI Calculator

Loan Amount

₹

5 Lac
20 Cr

Loan Tenure

Years

Rate Of Interest

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹10,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 10 Lakh Home Loan Karur Vysya Bank Highlights

2. 10 Lakh Home Loan EMI for 5 Years, Karur Vysya Bank

3. 10 Lakh Karur Vysya Bank Home Loan EMI for 10 years

4. 10 Lakh Karur Vysya Bank Home Loan EMI for 15 years

5. 10 Lakh Karur Vysya Bank Home Loan EMI for 20 years

6. 10 Lakh Karur Vysya Bank Home Loan EMI for 25 years

7. 10 Lakh Karur Vysya Bank Home Loan Charges

8. 10 Lakh Karur Vysya Bank Home Loan Documents Required

8.1 Proof of Identity and Address

8.2 Financial Documents

8.3 House-Related Documents

9. 10 Lakh Karur Vysya Bank Home Loan Eligibility Criteria

Written By

Bhavya Kamra

With a background in commerce and a strong affinity for numbers, Bhavya is dedicated to delivering accurate financial insights in her blog. She avidly reads finance magazines and articles to stay updated on the latest market trends. Currently crafting content for Urban Money, Bhavya aims to offer practical financial tips and simplify complex subjects into easy-to-understand steps.

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.

10 Lakh Home Loan Karur Vysya Bank – Highlights

Here are some major highlights of the 10 Lakh Home Loan Karur Vysya Bank, that can help you compare the loan with other available financing options:

Feature	Details
Eligible Applicants	Salaried individuals, professionals, self-employed, business owners, and pensioners
Purpose of Loan	Purchasing, constructing, or renovating residential properties
Loan Amount	90% of the property’s market value
Margin Requirement	10% to 30%
Interest Rates	8.40% to 9.80% per annum
Repayment Tenure	Up to 30 years
Insurance Requirement	Property insurance must be renewed annually by the borrower

10 Lakh Home Loan EMI for 5 Years, Karur Vysya Bank

With shorter loan tenures, you might have to pay higher interest payments for the loan. Here is a detailed breakdown of the ₹10 Lakh home loan from Karur Vysya Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹10,00,000	8.80% p.a.	5 years	₹20,661	₹2,39,685	₹12,39,685

10 Lakh Karur Vysya Bank Home Loan EMI for 10 years

Here is the table that shows the estimated EMI details to help you understand your monthly repayment commitments for a ₹10 Lakh home loan with Karur Vysya Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹10,00,000	8.80% p.a.	10 years	₹12,560	₹5,07,151	₹15,07,151

10 Lakh Karur Vysya Bank Home Loan EMI for 15 years

This EMI table will help you plan your finances for a ₹10 Lakh home loan from Karur Vysya Bank with a 15-year tenure.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹10,00,000	8.80% p.a.	15 years	₹10,024	₹8,04,326	₹18,04,326

10 Lakh Karur Vysya Bank Home Loan EMI for 20 years

Here’s how your EMI would look if you opt for a ₹10 Lakh home loan from Karur Vysya Bank payable over 20 years.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹10,00,000	8.80% p.a.	20 years	₹8,869	₹11,28,569	₹21,28,569

10 Lakh Karur Vysya Bank Home Loan EMI for 25 years

Understand your monthly payment with this ₹10 Lakh Karur Vysya Bank home loan EMI schedule for a 25-year term.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹10,00,000	8.80% p.a.	25 years	₹8,255	₹14,76,630	₹24,76,630

10 Lakh Karur Vysya Bank Home Loan – Charges

It is essential to be aware of the fees and charges associated with a ₹10 Lakh Karur Vysya Bank home loan, which may be applied either at the beginning or towards the end of your loan tenure. These include:

Charge Type	Amount
Processing Fee	₹2,500 + GST
Prepayment and Foreclosure Charges	NIL
Late EMI Payment Penalty	2% of the overdue EMI amount
Legal & Technical Charges	₹3,000 – ₹6,000
Documentation Charges	₹500 – ₹1,000

10 Lakh Karur Vysya Bank Home Loan – Documents Required

Here is a list of required documents you need to carry while applying for the ₹10 Lakh Karur Vysya Bank home loan:

Proof of Identity and Address

Aadhaar Card	PAN Card
Passport / Voter ID / Driving Licence (any one)	Recent Passport-size Photographs

Financial Documents

For Salaried Individuals	Latest 3 months’ salary slips Last 6 months’ bank statements (salary account) Form 16 or Income Tax Returns (last 2 years) Employment certificate or appointment letter (if required)
For Self-Employed Professionals/Business Owners	Income Tax Returns for the last 3 years Profit & Loss statement and Balance Sheet (CA-certified) Business Registration Certificate / GST Certificate Current account bank statement (last 6–12 months)

House-Related Documents

Title Deed

Approved Building Plans

NOC from Builder

10 Lakh Karur Vysya Bank Home Loan – Eligibility Criteria

Karur Vysya Bank offers a ₹10 lakh home loan with straightforward eligibility criteria, making homeownership accessible to people of all ages with a strong credit history. Borrowers can secure financing with flexible terms designed to suit their repayment capacity. This eligibility criterion includes:

Age- Between 21 and 65 Years
Employment Type: Salaried and Self-Employed Individuals
Credit Score: Above 650

Frequently Asked Questions (FAQs)

What is the EMI for a 10 Lakh Home Loan for 20 years in Karur Vysya Bank?

The monthly EMI for a 10 Lakh Home Loan for a loan tenure of 20 years in Karur Vysya Bank is ₹8,869.

Who is eligible for a 10 Lakh Home loan in Karur Vysya Bank?

Any Indian resident between the ages of 21 and 65 who has a credit score of over 650 and has a strong employment history is eligible for the 10 Lakh Home loan in Karur Vysya Bank.

What is the monthly interest rate of a 10 Lakh home loan in Karur Vysya Bank?

The monthly interest rate for a 10 Lakh Home loan in Karur Vysya Bank starts from 0.70%.

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