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Home Loans are the most sought-after financing options for aspiring home buyers. If you are planning to purchase a property, you can cover up to 90% of its cost with a Home Loan and repay it in EMIs spread across a loan tenure. At Kotak Mahindra Bank, you can get attractive home loan interest rates with flexible tenure.For example if you take a home loan of ₹ 90 Lakh at interest rate of 8.75%* for 25 years then your EMI will be ₹ 73,992. Calculate your EMI for 90 Lakhs Home Loan using a loan EMI calculator and manage EMI repayment efficiently.
A Home Loan EMI calculator helps calculate EMIs based on three variables: loan amount, interest rate, and repayment tenure. Using this tool, you can calculate the EMI for Home Loan of ₹ 90 Lakh as per the tenure that you choose. It helps you manage repayments for better management of finances.
Resources to get the best out of your Home Loan and manage your finances prudently
EXPLORE NOWUse Home Loan EMI calculator to calculate your EMI on Home Loan for ₹ 90 Lakh as per tenure. Here is an overview:
| Loan Amount & Tenure | EMI Amount |
|---|---|
₹95 Lakhs Home Loan EMI for 5 years |
₹ 1,85,735 |
₹95 Lakhs Home Loan EMI for 10 years |
₹ 1,12,794 |
₹95 Lakhs Home Loan EMI for 15 years |
₹ 89,950 |
₹95 Lakhs Home Loan EMI for 20 years |
₹ 79,533 |
₹95 Lakhs Home Loan EMI for 25 years |
₹ 73,992 |
*T&C Apply
At Kotak Mahindra Bank, we have transparent Home loan eligibility conditions you can easily fulfil. Here’s an outlook:
| Criteria | Salaried Applicants | Self-employed Applicants |
|---|---|---|
Age |
Applicants should be between 18 - 60 years old |
Applicants should be between 18-65 years old |
Income |
Minimum Income of ₹ 20,000 per month for Delhi, Mumbai, Bangalore, Pune, and Chennai residents. Minimum Income of ₹ 15,000 per month for the residents of other cities. |
Minimum Income of ₹ 20,000 per month for residents of Delhi, Mumbai, Bangalore, Pune, and Chennai. Minimum Income of ₹ 15,000 per month for the residents of other cities. |
Work Experience/ Continuity |
2 years of work experience and at least 6 months in the current organisation. |
Minimum 3 years in business or profession with the number of successful years in the business or profession. |
If you are eligible, keep these documents ready to apply:
Are you planning to avail Home Loan at Kotak Mahindra? You can visit the bank branch to apply offline or follow these steps to apply online:
*T&C Apply
For a ₹90 lakh home loan with an interest rate of 8.75% and a tenure of 20 years, the estimated monthly EMI is ₹79,534.
The EMI for a ₹90 lakh home loan over 10 years at an interest rate of 8.75% is approximately ₹ 1,12,794. Use an EMI calculator for precise calculations based on rates.
With a loan amount of ₹90 lakhs, an estimated interest rate of 8.75%, and a tenure of 25 years, the approximate monthly EMI will be ₹73,993. You can easily compute the EMI using online calculators or spreadsheet software.
You can pay off any existing balance of Home Loan using Kotak’s Home Loan Balance Transfer at a lower rate of interest.
If you are an NRI and are looking for a Home Loan, Kotak provides you just that. Check out our NRI Home Loans section.
If you are looking for renovating your home, you can do so by taking Kotak’s Home Improvement Loans
To encourage women home buyers, Kotak Mahindra Bank offers affordable housing loans for women.
