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Understanding how your monthly instalments of a home loan of ₹25 Lakhs are calculated helps you make wise financial decisions and stick to your budget. Learning about how your EMIs work becomes important as it helps you manage your finances better and turn your dream home into a reality effortlessly.

EMI Calculations for a Home Loan of ₹25 Lakhs with Varying Tenures

Typically, opting for a longer tenure results in more manageable EMIs, but comes with higher overall interest payments throughout the loan tenure. Meanwhile, a shorter tenure leads to increased EMIs and reduces the total interest costs. Using digital EMI calculators proves invaluable in promptly computing EMIs for diverse loan offers. These user-friendly, digital tools empower you to effortlessly compare various options, enabling you to find a repayment structure that aligns with your financial requirements.

₹25 Lakhs Home Loan EMI Calculator

Loan Amount
Tenure
Months
Rate of Interest
Home Loan
Your Monthly Home Loan EMI
Principle Amount
Total Interest
Total Amount Payable
Amortization Schedule
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Expand Amortization Schedule
Year EMI Principal Interest Balance

A Home Loan EMI calculator is an algorithm-based tool that can help you get instant estimates of your house loan EMI amount. All you need to do is enter your loan amount, expected interest rate, and preferred repayment tenure.

 

The online tool will show you your overall EMI outflow within seconds. A housing loan calculator can also help you compare loan options by simply altering the numbers you fed into the tool originally. This way, you will be able to decide which offer suits you the best.

EMI on Home Loan of ₹25 Lakhs for 10 Years

Considering that the interest rate is 9% p.a., and the tenure for the home loan is set at 10 years, the EMI amount will be:

EMI

₹31,669

Total Interest

₹13,00,273

Total Repayment Amount

₹38,00,273

EMI on Home Loan of ₹25 Lakhs for 20 Years

If the tenure is increased to 20 years, the EMI details are as of follows:

EMI

₹22,493

Total Interest

₹28,98,356

Total Repayment Amount

₹53,98,356

EMI on Home Loan of ₹25 Lakhs for 30 Years

Similarly, if the tenure is 30 years, the EMI decreases substantially, while there is a huge increase in the interest costs. The breakdown is as follows:

EMI

₹20,116

Total Interest

₹47,41,604

Total Repayment Amount

₹72,41,604

Lenders Offering Home Loans of ₹25 Lakhs

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Bajaj Housing Finance

8.50% p.a.

₹5 Cr

40 Years

4.4
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Home First Finance Company

9.50% p.a.

₹0.40 Cr

20 Years

4.2
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ICICI Bank

9.00% p.a.

₹5 Cr

30 Years

3.9
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India Shelter

10.50% p.a.

₹0.50 Cr

20 Years

3.9
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Kotak Mahindra Bank

9.00% p.a.

₹0.50 Cr

20 Years

4.1
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L&T Finance

8.60% p.a.

₹7.5 Crores

25 Years

4.1
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LIC Housing Finance

8.65% p.a.

₹15 Cr

30 Years

3.8
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PNB Housing Finance

8.50% p.a.

₹15 Cr

30 Years

3.9
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Shriram Housing Finance

11.50% p.a.

₹1 Cr

25 Years

4.3
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Shubham Housing Finance

10.90% p.a.

₹0.50 Cr

25 Years

3.9
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Union Bank of India

8.50% p.a.

₹15 Cr

30 Years

4.0
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Vridhi Home Finance

12% p.a.

₹25 Lakhs

12 Years

4.0
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*Disclaimer: The aforementioned rates are subject to change at the lender’s discretion.

 

Before applying, it is crucial to conduct comprehensive research and review the eligibility criteria and documents required for a home loan of ₹25 Lakhs. This diligence ensures a seamless process, allowing you to secure the desired amount with ease.

 

FAQs

What is the maximum repayment tenure I can go for in the case of a ₹25 Lakh home loan?

Usually, lenders provide tenures of up to 30 years for a home loan, while some financial institutions also offer repayment periods of up to 40 years. The longest tenure you can get depends on the lender and your eligibility. Remember, opting for a longer repayment tenure can help lower the EMI of your home loan.

What is the minimum salary I must have to get a home loan of ₹25 Lakhs?

To get a home loan of ₹25 Lakhs, lenders usually require you to have a salary of ₹30,000 per month. However, this depends on the lender and your eligibility.

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