25 Lakh Home Loan From Karur Vysya Bank

₹25 Lakh Home Loan Karur Vysya Bank – Highlights

Here are Karur Vysya Bank’s home loan interest rates for ₹25 lakhs, along with highlights:

₹25 Lakh Home Loan EMI for 5 Years, Karur Vysya Bank 

Karur Vysya Bank’s housing loan EMI for ₹25 lakhs for 5 years is mentioned below in detail:

₹25 Lakh Home Loan EMI for 10 Years, Karur Vysya Bank 

Here are the details about a ₹25 lakh home loan EMI for 10 years from Karur Vysya Bank:

₹25 Lakh Home Loan EMI for 15 Years, Karur Vysya Bank

The following is the 15-year EMI amount for a home loan of ₹25 lakh:

₹25 Lakh Home Loan EMI for 20 Years, Karur Vysya Bank

Below is the ₹25 lakh home loan EMI for 20 years from Karur Vysya Bank:

₹25 Lakh Home Loan EMI for 25 Years, Karur Vysya Bank 

Karur Vysya Bank’s home loan of ₹25 lakhs EMI for 25 years is as follows:

₹25 Lakh Karur Vysya Bank Home Loan – Fees and Charges 

The Karur Vysya Bank housing loan EMI for ₹25 Lakh reflects only the principal and interest. The bank applies additional charges based on transaction type, risk flag, or recovery stage. Here’s the financial fine print.

₹25 Lakh Karur Vysya Bank Home Loan – Documents Required

When applying for the Karur Vysya Bank ₹25 Lakh home loan, borrowers are expected to submit documents that validate identity, income consistency, and other ownership trails of the property being financed.

• A PAN card is essential across all applicant categories, regardless of income type.
• Proof of address can be furnished via Aadhaar, passport, or a recent utility bill.
• A completed loan application form must be signed and submitted, along with two passport-sized photos.
• Income evidence varies: salaried individuals typically attach salary slips, Form 16, and bank statements showing salary deposits.
• Self-employed applicants are required to submit income tax returns, financial statements, and proof of business continuity.
• NRIs must present a valid passport, a visa or work permit, a job contract, and foreign bank statements showing consistent income.
• If a property has already been selected, a sale agreement, title documents, an approved building plan, and any builder receipts will be necessary.

₹25 Lakh Karur Vysya Bank Home Loan – Eligibility Criteria

The ₹25 Lakh home loan eligibility Karur Vysya Bank applies is less about a number and more about whether the applicant can prove financial control. The bank verifies that the borrower earns a steady income, has a clean credit history, and can repay the loan without straining their household budget.

Applicants must be at least 23 years old. Residents, HUFs, NRIs, and PIOs are all eligible to apply. While no specific CIBIL threshold is publicly mentioned, profiles with a poor repayment history or recent delinquencies are likely to be declined or offered higher rates due to their credit history.

For salaried applicants, regular income from a registered employer must be backed by salary slips and tax records. Self-employed borrowers must show stability through ITRs and business accounts. NRIs applying from overseas are expected to have a minimum of two years of employment history and a net monthly income of $1,500 or more.

Affordability is the final filter — once the EMI is factored in, at least 25% of the gross monthly income must remain as take-home pay.