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Just like you plan the look of your dream home, figuring out how to repay your ₹35 Lakh home loan is crucial. Knowing how your EMIs work helps you make smart money decisions and handle your budget well. This is key to managing your finances wisely, getting the required loan, and handling the repayment effortlessly.

EMI on Home Loans of ₹35 Lakhs Over Varying Tenures

Let us assume that the interest rate charged on the loan is 9% p.a. Here’s how your EMIs and repayment costs may differ over 15, 20, 25, and 30-year tenures:

Tenure

EMI

Total Interest 

Total Repayment Amount

15 years

₹35,499

₹28,89,879

₹63,89,879

20 years

₹31,490

₹40,57,698

₹75,57,698

25 years

₹29,372

₹53,11,562

₹88,11,562

30 years

₹28,162

₹66,38,245

₹1,01,38,245

₹35 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 ₹35 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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*Disclaimer: The aforementioned rates are subject to change at the lender’s discretion.

Planning your repayments is crucial, but it is equally essential to review the documents required and eligibility criteria for a home loan. This ensures a smooth process, allowing you to borrow the required amount with ease.

FAQs About ₹35 Lakh Home Loan EMIs

Can I get a ₹35 Lakh home loan without any security?

No, security is required for a home loan since it is a secured loan.

What is the maximum repayment tenure I can go for in the case of a ₹35 Lakh home loan?

For a ₹35 Lakh home loan, the maximum tenure is 30 years. However, your repayment tenure depends on your eligibility. Lenders are likely to offer the maximum tenure so that the EMI of a ₹35 Lakh home loan will not be more than 60% of your monthly income.

What is the minimum salary I need to have to get a ₹35 Lakh home loan?

This varies from lender to lender. However, in general, you can get a home loan of ₹35 Lakhs with a monthly salary of around ₹42,000.

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