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₹25 Lakh Home Loan EMI

Check out the EMI calculation for a home loan ₹25 Lakhs for varying tenures
Your Monthly Loan EMI
₹ 31,669
Total Interest
₹ 1,300,273
Principal Amount
₹ 25,00,000
Total Payable Amount
₹ 38,00,273
Loan Amount i
Interest Rate
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Max value reached
Tenure
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You can easily compare Home Loan offers from multiple lenders on Bajaj Markets.

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This platform also provides a clear view of the total interest payable and the overall repayment amount, enabling you to plan your finances and budget more efficiently.

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Knowing the EMI for a home loan of ₹25 Lakhs before you borrow is vital. This is because home loans are a long-term financial commitment. However, by understanding the cost of borrowing, you can ensure that repayment stays affordable all through. 

One easy way to ensure that your instalments don’t exceed your budget is to use an EMI calculator before applying. This will give you an estimate of the amount, and you can try different combinations to finalise terms that best suit your requirements.

EMIs for a Home Loan of ₹25 Lakhs for Varying Tenures

Assuming that the interest rate remains constant, your EMI obligations will vary depending on the chosen tenure. For instance, if you choose a longer tenure, you will pay lower EMIs as compared to that of a shorter loan.

Given below is a tabular overview of the EMI calculation for a home loan of ₹25 Lakhs across various durations:

Loan Amount

Interest Rate (p.a.)

Repayment Tenure

EMI Amount

₹25 Lakhs

9%

10 Years

₹31,669

₹25 Lakhs

9%

20 Years

₹22,493

₹25 Lakhs

9%

25 Years

₹20,980

₹25 Lakhs

9%

30 Years

₹20,116

Disclaimer: The EMI amounts mentioned above are only indicative. Check the EMI payable before applying for a particular scheme. 

Detailed Breakup of Home Loan of ₹25 Lakhs for 10 Years

Check out the details of the total interest charges and EMI for a home loan of ₹25 Lakhs for 10 years:

Loan Amount

₹25 Lakhs

Interest Rate

9% p.a.

Loan Tenure

10 years

EMI Payable

₹31,669

Total Interest Payable 

₹13,00,273

Total Payable Amount

₹38,00,273

Disclaimer: The details mentioned above are only indicative. Check the EMI payable before applying for a particular scheme. 

Detailed Breakup of Home Loan of ₹25 Lakhs for 20 Years

The following table presents the amount payable as the EMI for a home loan of ₹25 Lakhs for 20 years:

Loan Amount

₹25 Lakhs

Interest Rate

9% p.a.

Loan Tenure

20 years

EMI Payable

₹22,493

Total Interest Payable 

₹28,98,356

Total Payable Amount

₹53,98,356

Disclaimer: The details mentioned above are only indicative. Check the EMI payable before applying for a particular scheme. 

Detailed Breakup of Home Loan of ₹25 Lakhs for 30 Years

The following is the total interest charge and the EMIs for a home loan of ₹25 Lakhs for 20 years: 

Loan Amount

₹25 Lakhs

Interest Rate

9% p.a.

Loan Tenure

30 years

EMI Payable

₹20,116

Total Interest Payable 

₹47,41,604

Total Payable Amount

₹72,41,604

Disclaimer: The details mentioned above are only indicative. Check the EMI payable before applying for a particular scheme. 

Lenders Offering Home Loans of ₹25 Lakhs

Lenders

Starting Interest Rate

PNB Housing Finance

8.50% p.a.

L&T Finance

8.60% p.a.

LIC Housing Finance

8.65% p.a.

Home First Finance Company

9.00% p.a.

ICICI Bank

9.00% p.a.

Kotak Mahindra Bank

9.00% p.a.

Shubham Housing Finance

9.90% p.a.

Shriram Housing Finance

11.50% p.a.

Vridhi Home Finance

12.00% p.a.

India Shelter

13.00% p.a.

*Disclaimer: The mentioned rates are subject to change at the lender’s discretion.

Eligibility Criteria & Documents Required for a ₹25 Lakh Home Loan

To qualify for a home loan of ₹25 Lakhs, you need to meet the following criteria:

  • Nationality: Indian 

  • Age: 

    • 23 to 62 years for salaried applicants 

    • 25 to 70 years for self-employed applicants

  • Work experience: At least 3 years (applicable if salaried)

  • Business vintage: At least 5 years (applicable if self-employed)

The criteria may differ from one lender to another. So, it is important to check whether you meet all the specific requirements set by your chosen lender before applying for the loan. Additionally, you are asked to furnish some essential documents. Here is a list of some common documents you are usually asked to submit when applying for a home loan of ₹25 Lakhs:

  • KYC Documents:

    • ID Proof: Driving licence, Aadhaar card, PAN card, or voter ID

    • Residential Proof: Aadhaar card, passport, utility bills

  • Income Proof: 

  • For Salaried Applicants: 

    • Form 16

    • ITR filings of the last 2 years

    • Salary slips of the last 3 months 

  • For Self-employed Applicants:

    • Degree/qualification certificates for self-employed professionals 

    • Profit and loss statement of the last 3 years

    • ITR filings of the last 2 years

    • Business licence details

    • Latest balance sheet of the business, audited by a certified CA

    • TDS certificate

Other Home Loan EMI Options

FAQs on ₹25 Lakh Home Loan EMI

What is the EMI payable for a home loan of ₹25 Lakhs for 10 years?

This depends on the interest rate levied by the lender. For instance, if it is 10% p.a., the EMI will be ₹33,038, but if it is 9% p.a., the amount will be ₹31,669. 

The repayment amount will vary depending on the interest rate offered. Generally, higher rates will result in higher amounts and vice-versa. For instance, if the rate is 10% p.a., the amount will be ₹24,126 but if the rate is 9% p.a., the amount will be ₹22,493.

The EMI for a home loan of ₹25 Lakhs for 15 years will depend on the interest offered by the lender. Suppose the interest rate is 10% p.a., then the EMI will be ₹24,126 but if the interest rate is 9.5% p.a., the EMI will be ₹23,303.

You can apply for a home loan of ₹25 Lakhs even with a low credit score. As it is a secured loan, the credit score requirement is lenient compared to unsecured loans. However, a low score may lead to higher interest rates and unfavourable repayment terms.

You can use the home loan EMI calculator to check the amortisation schedule based on the loan terms offered to you. The schedule gives you a complete breakdown of your EMIs and details of the gradual repayment of the loan as the tenure progresses. You can utilise these insights to create an effective repayment strategy that suits your financial situation.

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