₹1 Crore Home Loan EMI

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It is important to consider if the EMI of your loan of ₹1 Crore fits your budget. Multiple factors affect the instalments you are liable to pay. Tenure is one of the most important factors that has an impact on your EMIs. Let’s understand in detail.

Consider an example. Assume that the interest rate on a home loan of ₹1 Crore is 8.85% p.a. Following table presents the EMI payable on this loan over tenures ranging from 10 to 30 years.

Loan Amount	Interest Rate	Repayment Tenure	EMI Amount
₹1 Crore	8.85% p.a.	10 Years	₹1,25,865.41
₹1 Crore	8.85% p.a.	15 Years	₹1,00,536.28
₹1 Crore	8.85% p.a.	20 Years	₹89,010.16
₹1 Crore	8.85% p.a.	25 Years	₹89,010.16
₹1 Crore	8.85% p.a.	30 Years	₹79,385.33

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.

Let’s continue with this example to check the impact of various tenures on the aggregate loan costs.

₹1 Crore Home Loan EMI for 10 Years

Here’s a breakdown of the EMI payable on a home loan of 10 years:

EMI	₹1,25,865.41
Total payable Interest	₹51,03,848.77
Total Repayment Amount	₹1,51,03,848.77

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.

₹1 Crore Home Loan EMI for 20 Years

Here is the breakdown of a home loan of ₹1 Crore with a tenure of 20 years:

EMI	₹89,010.16
Total payable Interest	₹1,13,62,438.27
Total Repayment Amount	₹2,13,62,438.27

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.

₹1 Crore Home Loan EMI for 30 Years

The details of the EMI you need to pay is as follows:

EMI	₹79,385.33
Total payable Interest	₹1,85,78,719.51
Total Repayment Amount	₹1,85,78,719.51

*Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying

₹1 Crore Home Loan EMI Calculator

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Year	EMI	Principal	Interest	Balance

Other Home Loan EMI Options
10 Lakh Home Loan EMI	15 Lakh Home Loan EMI
20 Lakh Home Loan EMI	25 Lakh Home Loan EMI
30 Lakh Home Loan EMI	40 Lakh Home Loan EMI
50 Lakh Home Loan EMI

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Can I get a home loan of ₹1 Crore without any security?

No. Home loans are secured loans. Hence, the property you purchase is considered as security for such loans.

What is the maximum repayment tenure I can get for a home loan of ₹1 Crore?

The maximum tenure offered by lenders on these loans is 30 years.

What is the minimum salary I need to have to get a ₹1 Crore home loan?

This criterion is set by the lender, however, it is easy to estimate how much you would require. Here, all you need to do is calculate the EMI payable and see if it fits your budget.

For instance, for a home loan of ₹1 Crore with a tenure of 30 years, at an interest rate of 8.85% p.a, the EMI will be ₹79,385.33. Considering that the ideal debt-to-income ratio is 50%, the minimum income required would be at least ₹1.6 Lakhs, per month.