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YES BANK Home Loan

Loan Name Interest Rate Processing Fee Loan Amount Tenure
YES Bank Home Loan 9.85% - 12.00%, Floating 0.5% of loan amount Maximum Rs 5 Crores 1 - 35 years
Details
Documents Required

For Salaried Individuals

  • Duly filled in application form along with a photograph
  • Aadhaar Card
  • PAN Card
  • Form 60
  • Know Your Customer: Identity Proof, Address Proof, Signature Proof
  • Proof of Income: Form 16, Salary Slip for last 2 years and Income Tax returns for 2 years
  • Bank Statement for the last 6 months from the account where the applicant’s salary is credited

For Self-Employed

  • Duly filled in application form along with a photograph
  • Aadhaar Card
  • PAN Card
  • Form 60
  • Know Your Customer: Identity Proof, Address Proof of both residence and office, Signature Proof
  • Proof of Income: Computation of income for last 2 years along with Income Tax returns for 2 years, audited Profit & Loss account, Balance Sheet which includes tax audit report and proof of turnover, sales or service tax returns
  • Qualification Proof
  • Bank Statement for the last 6 months from an operative account
Benefits

  • Quick processing of home loan
  • Doorstep service is available
  • Avail home loan for long tenure up to 35 years
  • Lucrative interest rates on home loans
  • Prepayment charges on home loans are either full or partially nil
Eligibility

  • The minimum age of the applicant should be 21 years
  • The maximum age of the applicant should be 60 years
  • In the case of salaried employees, the minimum work experience should be 2 years
  • The period of business stability for self-employed individuals stands at 2 years
  • The applicant should be a salaried individual, professional or businessmen or self-employed individual and Non-Resident Indians.
  • Repayment capacity of the borrower
  • The total annual income of the loan seeker
  • Total number of dependents of the applicant’s
Other Details

  • The processing fee is 0.5% of loan amount or Rs 10,000 (whichever is higher+ GST charges)
  • Avail smaller equated monthly instalments and reduce pressure on the monthly budget
  • Balance Transfer Facility is available at low prices
  • The loan amount eligibility ranges between Rs 10,00,000 – Rs 5 Crores

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