35 Lakh Home Loan EMI - 50% Off On Processing Fees*

Home Loan EMI For ₹35 Lakh

Getting a Home Loan for ₹35 Lakhs is now easier than ever. At Kotak Mahindra Bank, we offer housing finance at an attractive Home Loan interest rate, so you can purchase the best property.Apply for a Home Loan online or offline and get a loan tenure of up to 25 years to repay in easy EMIs.You can use a Home Loan EMI calculator to know your ₹35 Lakh Home Loan EMI and make a good repayment plan before applying for a Home Loan.

EMI Calculator For a Home Loan of ₹35 Lakh

A Home Loan EMI calculator helps calculate EMIs online without any manual calculations. It gives accurate results in seconds by entering only three vital variables: your loan amount, interest rate, and repayment tenure. You can adjust the loan tenure until you find a term with the ₹35 Lakhs housing loan EMI you can easily repay each month.

Home Loan

Loan Amount

Minimum ₹ 10,00,000

Interest Rate

Tenure (Years)

Till April 2028

Equated Monthly Instalments (EMI)

10000

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Principal

50,00,000

Interest Payable

2,00,000

View Amortization Table

Home Loan Amortization Schedule

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Emi Nos	Opening Principal	EMI	Interest	Principal Repayment	Closing Principal

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Monthly obligation should not be greater than Monthly Net Income

Guide to better loan finance

Resources to get the best out of your Home Loan and manage your finances prudently

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₹35 Lakh Home Loan Interest Rates As Per Tenure

A Home Loan calculator calculates the EMI for ₹35 Lakhs Home Loan based on your loan amount, interest rate, and repayment term. At Kotak Mahindra, the Home Loan interest rate starts at just 8.75%. These are the common EMI plans:

Loan Amount	Interest Rate	Repayment Tenure	EMI Amount
₹35 Lakh	8.75%*	5 Years	₹72,230
₹35 Lakh	8.75%*	10 Years	₹43,864
₹35 Lakh	8.75%*	15 Years	₹34,980
₹35 Lakh	8.75%*	20 Years	₹30,929
₹35 Lakh	8.75%*	25 Years	₹28,775

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₹35 Lakh Home Loan Eligibility & Documents Required

Both salaried employees and self-employed individuals can apply for ₹35 Lakh Home Loan at Kotak Mahindra Bank. However, their eligibility and documentation requirements may vary. Here’s an overview:

Eligibility Criteria	For Salaried	For Self-Employed
Age	18-60 years	18-65 years
Minimum Gross Income	Monthly salary of ₹20,000 if you live in Delhi, Mumbai, Pune, Chennai, and Bangalore Monthly salary of ₹15,000 if you reside in other cities	Minimum three years of business experience with a net income of ₹2,40,000 per annum for companies in Delhi, Mumbai, Pune, Chennai, and Bangalore, and ₹1,80,000 per annum for companies in other cities
Years of Services	Minimum 2 years	The business should have been existing for a min. of 3 years

Ensure Fulfilling These Conditions And Submit These Documents To Apply:

Identity proof, like Aadhar card, PAN card, driving licence, voter ID, passport, etc.
Address proof, like Aadhar card, voter ID, driving licence, passport, etc.
Age proof, like voter ID, passport, PAN card, Aadhar card, driving licence, etc.
Signature proof, like a passport or PAN card
Income proof

How to Apply for ₹35 Lakh Home Loan With Kotak Mahindra Bank?

At Kotak Mahindra Bank, you can apply for ₹35 Lakh Home Loan both offline and online. For offline applications, you can visit your nearby bank branch to learn the details and apply. If you decide to apply online, follow these steps:

Visit the official website of Kotak Mahindra Bank or download the mobile banking app
Click the 'Apply Now' button in the Home Loan section
Enter your details in the online application form
Once the basic details have been filled and submitted our Home Loan specialist will get in touch to process your home loan application

What will be the EMI on ₹35 lakh Home Loan for 10 Years?

Want to know your ₹35 Lakh Home Loan EMI for 10 years? Here’s a breakup of your repayment plan:

Loan Amount	₹35 Lakh
Interest Rate	8.75%*
Loan Tenure	10 Years
EMI for ₹35 Lakhs Home Loan for 10 years	₹43,864
Total Interest Payable	₹17,63,724
Total Payable Amount	₹5,263,724

*T&C Apply

What will be the EMI on ₹35 lakh Home Loan for 15 Years?

Taking a Home Loan for 15 years? This will be your EMI plan:

Loan Amount	₹35 Lakh
Interest Rate	8.75%*
Loan Tenure	15 Years
EMI for ₹35 Lakhs Home Loan for 15 years	₹34,980
Total Interest Payable	₹27,96,526
Total Payable Amount	₹62,96,526

*T&C Apply

What will be the EMI on ₹35 lakh Home Loan for 20 years?

Here’s a breakup of your ₹35 Lakh Home Loan EMI for 20 years:

Loan Amount	₹35 Lakh
Interest Rate	8.75%*
Loan Tenure	20 Years
EMI for ₹35 Lakhs Home Loan for 20 years	₹30,929
Total Interest Payable	₹39,23,170
Total Payable Amount	₹74,23,170

*T&C Apply

Home Loan Up To ₹35 Lakh FAQs

What is the ideal loan tenure for a ₹35 Lakh Home Loan to manage EMI?

A longer tenure results in lower EMIs but higher overall interest costs. A shorter tenure leads to higher EMIs but lower interest expenses. Choose a tenure that aligns with your monthly budget, income stability, and long-term financial goals, while considering your ability to comfortably pay the EMI.