4 Crore Home Loan Yes Bank

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Feeling restricted by your cramped living space, hindering your grand design aspirations? YES Bank recognises your desire for a home with ample room for everything dear to you. That’s precisely why YES Bank presents home loans of up to ₹4 crores, designed to fulfil the dreams of individuals yearning for a touch of luxury. Enjoy peace of mind with extended repayment terms that seamlessly align with your financial plan and competitive interest rates starting at 9.40%. Let YES Bank be your partner in unlocking the doors to your dream home with the YES Bank 4 crore home loan.

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4 Crore Yes Bank Home Loan EMI Calculator

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Table of Content

1. 4 Crore Home Loan YES Bank Highlights

2. 4 Crore Home Loan EMI for 10 Years YES Bank

3. 4 Crore Home Loan EMI for 20 Years YES Bank

4. 4 Crore YES Bank Home Loan Fees and Charges

5. 4 Crore YES Bank Home Loan Documents Required

6. 4 Crore YES Bank Home Loan Eligibility Criteria

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

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.

Last Updated: 26th September 2024

4 Crore Home Loan YES Bank – Highlights

Below are the key highlights of YES Bank Home Loan for 4 crores:

Feature	Description
Loan Amount	Up to 4 crores*
Loan Tenure	Up to 35 years
Interest Rate	9.40% – 10.25% p.a.
Home Loan Types	Purchase, Improvement, Top-up, Transfer, Loans for Self-Employed, NRI Home Loans

4 Crore Home Loan EMI for 10 Years YES Bank

An annual rate of interest of 9.40% can be used to calculate the 4 crore home loan EMI payment for a 10-year YES Bank home loan.

Loan Amount	Interest Rate	Loan Tenure	EMI
4 Crore	9.40%	10 Years	₹5,15,403 per month

4 Crore Home Loan EMI for 20 Years YES Bank

With the starting interest rate of 9.40% annually, one can calculate the EMI payment for a 20-year YES Bank home loan.

Loan Amount	Interest Rate	Loan Tenure	EMI
4 Crore	9.40%	20 Years	₹3,70,244 per month

4 Crore YES Bank Home Loan – Fees and Charges

Additional expenses are linked with home loans alongside YES Bank’s 4 Crore interest rate. These charges encompass:

Particulars	Charges/Fees
Processing Fee	1.5% or Rs. 10,000, whichever is higher
Part-Payment/Pre-closure/Foreclosure Fees	NIL for floating-rate loans 4% on the principal outstanding for fixed-rate loans
Late Payment Fees / Penal Interest Rate (Default Interest Rate)	following the 30-day grace period at the contractual rate for the outstanding amount/period

4 Crore YES Bank Home Loan – Documents Required

You must complete and sign the home loan application form for a 4 Crore Yes Bank home loan. As mentioned below, you must also provide certain documents for approval.

Identity and Residence (KYC): (PAN Card, Aadhaar Card, Voter ID, Passport, or Driving License)
Proof of Income: (Latest three months’ salary slips/ Form 16 for the last two years/ bank statements for the previous six months)
Property Related Documents: (NOC from builders/ society/ registered sale deed/ buyer agreement)
Other Documents for Home Loan (passport-size photographs/ duly filled form)

4 Crore YES Bank Home Loan – Eligibility Criteria

To qualify for a four crore Yes Bank home loan, you need to meet the following criteria:

Age Limit: 21-70 years.
Individuals with a fixed salary, self-employed and NRIs.
Nature of Employment: Self-Employed/ Salaried Individuals/ Agriculturists.
Salaried applicants need at least two years of work experience with at least six months in the current organisation.
Self-employed applicants must have at least three years of experience in business or a profession.
A minimum of 3 years in business or profession is required for a self-employed applicant.

Frequently Asked Question (FAQs)

What is the EMI for a 4 crore Home Loan for 20 years in YES Bank?

Yes Bank would charge a monthly EMI of ₹3,70,244 for a 20-year 4 Crore Home Loan.

Who is eligible for a 4 crore Home loan in YES Bank?

Yes Bank extends home loans up to 4 crore to eligible applicants, including business owners and salaried individuals. Eligibility criteria are based on factors such as age, consistent income, credit rating, and existing liabilities. Meeting the bank’s stipulated application criteria, which apply to both non-resident Indians (NRIs) and Indian residents, is essential.

What is the monthly interest rate of a 4 crore home loan in YES Bank?

The annual interest rate for Yes Bank’s 4 crore home loan starts at 9.40%.

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