✓ Home Loan from ₹2 Lakhs to ₹15 Crores ✓ Interest Rates Starting @ 8.50% Check Eligibility

Just like you carefully design your dream home, planning how to repay your home loan of ₹30 Lakhs is crucial. Knowing how your monthly payments are calculated helps you make smart financial decisions and stay on budget. This knowledge ensures you can manage your finances effectively and purchase your dream home easily.

EMI on Home Loans of ₹30 Lakhs Over Varying Tenures

Let’s consider that the interest rate for the loan is 9% p.a. Here is a quick breakdown of how the EMI and total repayment costs change over tenures ranging from 15 to 30 years:

Tenure

EMI

Total Interest 

Total Repayment Amount

15 years

₹30,428

₹24,77,040

₹54,77,040

20 years

₹26,992

₹34,78,027

₹64,78,027

25 years

₹25,176

₹45,52,767

₹75,52,767

30 years

₹24,139

₹56,89,924

₹86,89,924

₹30 Lakhs Home Loan EMI Calculator

Loan Amount
Tenure
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Your Monthly Home Loan EMI
Principle Amount
Total Interest
Total Amount Payable
Amortization Schedule
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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.

Lenders Offering Home Loans of ₹30 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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LIC Housing Finance

8.65% p.a.

₹15 Cr

30 Years

3.8
Quick Disbursal
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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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*Disclaimer: The aforementioned rates are subject to change at the lender’s discretion.

While it is important to plan your repayments ahead of time, it is equally essential to check the eligibility criteria and documents required for a home loan. This can help you borrow the required amount effortlessly.

FAQs

Can I get a home loan of ₹30 Lakhs without providing any collateral?

A home loan is a secured loan. So, if you secure a home loan of ₹30 Lakhs, the property you plan to buy using the sanctioned amount will be put up as collateral. 

What is the maximum repayment tenure I can go for when applying for a home loan of ₹30 Lakhs?

You can enjoy a repayment tenure of up to 40 years for a home loan of ₹30 Lakhs.

What is the minimum salary I need to have to get a home loan of ₹30 Lakhs?

The minimum income required to be eligible for home loan of ₹30 Lakhs differs from one lender to another.

 

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