5 Crore Home Loan From Karur Vysya Bank

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For those aiming to invest in high-end real estate, a Karur Vysya Bank 5 Crore home loan presents a solid financing option. Tailored for individuals with ambitious property plans, this offering comes with flexible tenures, transparent terms, and a competitive Karur Vysya Bank home loan interest rate for 5 Crore. Borrowers can map out their repayment with precision using the 5 Crore loan EMI calculator provided by Karur Vysya Bank. With custom eligibility checks and repayment options tailored to your income bracket, this loan helps transform your upscale housing aspirations into reality, without compromising long-term financial comfort.

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5 Crore 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

₹5,00,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 5 Crore Home Loan Karur Vysya Bank Highlights

2. 5 Crore Karur Vysya Bank Home Loan EMI for 5 years

3. 5 Crore Karur Vysya Bank Home Loan EMI for 10 years

4. 5 Crore Karur Vysya Bank Home Loan EMI for 15 years

5. 5 Crore Karur Vysya Bank Home Loan EMI for 20 years

6. 5 Crore Karur Vysya Bank Home Loan EMI for 25 years

7. 5 Crore Karur Vysya Bank Home Loan Fees and Charges

8. 5 Crore Karur Vysya Bank Home Loan Documents Required

9. 5 Crore Karur Vysya Bank Home Loan Eligibility Criteria

Written By

Shubham Sandhu

Shubham is a finance writer specialising in home loans, investment advice, and personal money management. He explains financial matters clearly and straightforwardly, helping readers make better financial decisions. His aim is to make financial topics simple, practical, and easy to understand.

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.

5 Crore Home Loan Karur Vysya Bank – Highlights

Taking a home loan of ₹5 Crore is a significant financial decision that demands clarity on every aspect of the borrowing process. Karur Vysya Bank provides structured home loan options with competitive terms tailored for high-value property investments. Below is a snapshot of the essential features associated with their 5 Crore home loan scheme:

Features	Description
Loan Quantum	Financing available up to ₹5 Crore under the Karur Vysya Bank 5 Crore home loan.
Applicable Interest Rate	Commences at 8.75% p.a., subject to applicant profile and loan assessment.
Repayment Duration	Tenure options extend up to 25 years, offering flexibility for large loans.
Processing Fee	₹7,500 + GST applicable for sanction amounts above ₹5 Crore.
Security Requirements	Equitable mortgage of residential/commercial property, plus optional collateral (e.g. NSC, KVP, LIC, deposits).

5 Crore Karur Vysya Bank Home Loan EMI for 5 years

A five-year repayment term is structured for borrowers seeking to clear their liabilities quickly, albeit with higher monthly instalments.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount +Payment
₹ 5,00,00,000	8.95% p.a.	5 years	₹ 10,36,705	₹ 1,22,02,300	₹ 6,22,02,300

5 Crore Karur Vysya Bank Home Loan EMI for 10 years

A decade-long loan tenure strikes a balance between manageable EMI payments and controlled interest costs.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 5,00,00,000	8.95% p.a.	10 years	₹6,32,027	₹ 2,58,43,240	₹ 7,58,43,240

5 Crore Karur Vysya Bank Home Loan EMI for 15 years

Opting for a 15-year duration provides moderate monthly commitments, allowing for more breathing space in financial planning.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 5,00,00,000	8.95% p.a.	15 years	₹ 5,05,647	₹ 4,10,16,460	₹ 9,10,16,460

5 Crore Karur Vysya Bank Home Loan EMI for 20 years

Extending the loan to 25 years helps achieve lower monthly EMIs, offering greater flexibility in budget allocation.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 5,00,00,000	8.95% p.a.	20 years	₹ 4,48,256	₹ 5,75,81,440	₹ 10,75,81,440

5 Crore Karur Vysya Bank Home Loan EMI for 25 years

Spreading your loan over 25 years can make the EMIs more manageable, especially for those with other financial commitments. Here’s how the Karur Vysya Bank home loan of 5 Crore EMI looks when repaid over a longer term.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹5,00,00,000	8.95% p.a.	25 years	₹ 4,17,888	₹ 7,53,66,400	₹ 12,53,66,400

5 Crore Karur Vysya Bank Home Loan – Fees and Charges

Handling a ₹5 Crore home loan with Karur Vysya Bank requires a clear understanding of the supplementary expenses involved. These associated costs, although not part of the principal or interest, can influence your total repayment outflow. Here is a concise summary of the key fees and lending terms.

Charge Category	Details
Application Processing Fee	A charge of ₹5,000 + GST is levied for loan amounts ranging from ₹25 Lakhs up to ₹5 Crore.
Prepayment Conditions	No fee is charged for partial repayments on floating-rate home loans.
Foreclosure Rules	Full loan closures attract no penalty if under a floating interest plan.
Overdue EMI Penalty	A penal interest of 2% per month applies to any delayed instalments.
Maximum Loan Tenure	Borrowers may opt for a repayment term of up to 25 years, based on eligibility.
LTV Ratio (Loan-to-Value)	Financing of up to 90% is available for properties appraised at ₹30 Lakhs or less.

5 Crore Karur Vysya Bank Home Loan – Documents Required

Preparing your documentation in advance can make a significant difference when applying for a Karur Vysya Bank home loan of up to ₹5 crore. Ensuring everything is in order not only speeds up the approval process but also minimises potential back-and-forth delays.

Proof of Identity: Valid documents such as Aadhaar, PAN Card, Passport, Driving Licence, or Voter ID.
Proof of Address: Acceptable options include utility bills, a passport, or a registered rental agreement.
Financial Proof (Salaried): Submit your latest three salary slips, Form 16, and six months’ bank statements.
Financial Proof (Self-employed): Include ITRs for 3 years, an audited balance sheet, and profit & loss statements.
Property Documentation: Must include the sale agreement, sanctioned building plan, title deed, and encumbrance certificate.
Photographic Identification: Provide two recent passport-sized photographs.
Processing Fee Payment: A cheque towards the applicable processing fee must be enclosed.

5 Crore Karur Vysya Bank Home Loan – Eligibility Criteria

Not every borrower may meet the criteria to secure a ₹5 Crore home loan from Karur Vysya Bank. The institution applies a specific set of benchmarks to assess financial reliability and creditworthiness. Below are the eligibility standards that applicants must align with:

Eligibility Factor	Criteria to Fulfil
Age Range	Applicants must be at least 23 years old, with the loan tenure ending before they reach 65 years of age.
Eligible Profiles	Includes Resident Indians, Non-Resident Indians (NRIs), and PIOs.
Professional Background	Accepted applicants include salaried employees, business owners, and self-employed professionals.
Minimum Income Threshold	For salaried individuals: ₹18,000 per month; for self-employed individuals: ₹24,000 annually.
Credit History	A credit score of 750 or above is typically recommended for favourable consideration.
Loan-to-Value Ratio	Loans can cover up to 90% of the property’s value, particularly if the home costs ≤ ₹30 Lakh.
Post-EMI Income Buffer	After EMI deductions, a minimum of 25% of the applicant’s gross income should remain.

Frequently Asked Questions (FAQs)

What is the EMI for a 5 Crore Home Loan for 20 years in Karur Vysya Bank?

Based on an indicative interest rate of 8.95% per annum, the EMI for a ₹5 Crore loan over 20 years would be approximately ₹44,640 per ₹1 Crore, which totals around ₹2,23,200 monthly. The final figure may vary depending on the bank's sanctioned rate and borrower profile.

Who is eligible for a 5 Crore Home loan in Karur Vysya Bank?

Karur Vysya Bank offers ₹5 Crore home loans to residents of India, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs) who are between 23 and 65 years of age, have a stable source of income (either salaried or self-employed), and meet the required credit score and income benchmarks as determined by the bank.

What is the monthly interest rate of a 5 Crore home loan in Karur Vysya Bank?

The monthly interest rate for a ₹5 Crore home loan at Karur Vysya Bank generally begins at approximately 0.746%, based on an annual rate starting from 8.95%. Actual rates may differ based on your credit profile and prevailing lending terms.

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