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

Do you want to buy your dream home of your own but do not have the necessary amount of funds? Then do not put your dream of home ownership on hold, and consider taking a home loan. Get up to ₹1 Crore by applying for a home loan on Bajaj Markets and get started in just a few clicks.

Lenders Offering Home Loans of ₹1 Crore

Here are various lenders on Bajaj Markets that offer home loans of up to ₹1 Crore:

Lender

Interest Rate

Max. Loan Amount and Tenure

Bajaj Housing Finance

8.50% p.a.

  • Amount: ₹5 Cr

  • Tenure: 40 years

ICICI Bank

9.00% p.a.

  • Amount: ₹5 Cr

  • Tenure: 30 years

LIC Housing Finance

8.65% p.a.

  • Amount: ₹15 Cr

  • Tenure: 30 years

PNB Housing Finance

8.50% p.a.

  • Amount: ₹15 Cr 

  • Tenure: 30 years

Shriram Housing Finance

11.50% p.a.

  • Amount: ₹1 Cr

  • Tenure: 25 years

Union Bank of India 

8.50% p.a.

  • Amount: ₹15 Cr

  • Tenure: 30 years

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

₹1 Crore Home Loan EMI Calculator

Loan Amount
Tenure
Months
Rate of Interest
Home Loan
Your Monthly Home Loan EMI
Principal Amount
Total Interest
Total Amount Payable
Amortization Schedule
Download
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 Calculations for a Home Loan of ₹1 Crore with Varying Tenures

After you have met the eligibility criteria for a home loan of ₹1 Crore, it is important to consider if the EMI of this loan fits your budget. Consider an example. Assume that the interest rate on a home loan of ₹1 Crore is 8.85% p.a. Following tables present the EMI payable on this loan over tenures ranging from 15 to 25 years.

EMI on Home Loan of 15 Years

Here’s a breakdown of the EMI payable on a home loan of 15 years. 

Loan Amount

₹1,00,00,000

Tenure 

15 years

Rate of Interest

8.85% p.a.

EMI

₹1,00,536

Total payable Interest

₹80,96,531

Total Repayment Amount 

₹1,80,96,531

₹1 Crore Home Loan EMI on Home Loan of 20 Years

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

Loan Amount

₹1,00,00,000

Tenure 

20years

Rate of Interest

8.85% p.a.

EMI

₹89,010

Total payable Interest

₹1,13,62,438

Total Repayment Amount 

₹2,13,62,438

EMI on Home Loan of 25 Years

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

Loan Amount

₹1,00,00,000

Tenure 

25 years

Rate of Interest

8.85% p.a.

EMI

₹82,895

Total payable Interest

₹1,48,68,457

Total Repayment Amount 

₹2,48,68,457

FAQs

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. Considering that the ideal debt-to-income ratio is 50%, the minimum income required would be at least ₹1.6 Lakhs, per month.

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