Hi dear readers, hope you are doing well, today we will know about How to get Yes Bank Home Loan, Eligibility, Interest Rate, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.
Home is our little piece of heaven. It is the dream of every person to have his own house. But we need money to build a house. In this situation if no one is helping you then you can apply for Yes Bank Home Loan and fulfill your dream of home. Home loan comes under the category of secured loan.
In this article, we will know what is Yes Bank Home Loan, what is the interest rate of this loan, what are the documents and eligibility for this loan and how can we get this loan. Home Loan etc., so you are requested to read this article till the end.
Yes Bank Home Loan 2024
Any person to build a house, renovate a house or buy a house Home Loan can take Yes Bank Offers you a convenient home loan at competitive home loan interest rates so that you can meet your financial needs.
The Home Loan depends on many factors like your income and repayment ability, your CIBIL Score, Age, Number of Dependents etc.
If your income and your credit score is very good then you can get home loan amount up to higher loan amount. With YES Bank, you can take a home loan from Rs 10 lakh to Rs 10 crore. Yes Bank Home Loan Interest Rate starts from 8.95% per annum. You can apply both online and offline to get Yes Bank Home Loan.
If you want to take advantage of Yes Bank’s Personal Loan then you can follow this link Yes Bank Personal Loan You can apply for Yes Bank Personal Loan by clicking on
Key Features of Yes Bank Loan
- Loan Name: Yes Bank Home Loan
- Lending Bank Name: Yes Bank
- Loan Amount: Rs 10 lakh to Rs 10 crore
- Interest Rate: Starting from 8.95% pa
- Processing Fee : Up to 2% of the loan amount, subject to a maximum of Rs.10,000
- Loan tenure: Up to 35 years
- Application Mode: Online / Offline
- Customer Care Number: 1800 1200.
- RAAC rate: 8.95% to 11.80%
- Official Website: https://www.yesbank.in/
Yes Bank Home Loan Interest Rate 2024
Yes Bank home loan interest rate starts from 8.95% p.a. If you are an existing customer of the bank, then you can take advantage of the attractive interest rates of the bank.
Like before taking personal loan Personal Loan Interest Rate Similarly, before taking a home loan, we need to know about Home Loan Interest Rate It is necessary to have information about If you do not know about the interest rate of that loan before applying for a home loan, then you may have to face trouble at the time of repayment of the loan.
Yes Bank Home Loan Benefits and Features
- can apply for this home loan.
- YES Bank, you can get an amount of 10 lakh to 10 crore rupees under home loan.
- Yes Bank home loan interest rate starts from 8.95% p.a.
- You have to pay processing fee up to 2% of the loan amount.
- The amount disbursed under a home loan depends on many factors such as the applicant’s income, repayment ability, age, credit history, etc.
- You can take a home loan for buying a house, for construction of a house, for renovation of a house, for purchase of a plot, etc.
- With Yes Bank Home Loan, you can avail the facility of home loan top up, home loan transfer.
- You can transfer your existing loan to reduce your EMI.
- Yes Bank Home Loan 2024 You can get it for a longer period of up to 35 years.
- Nil prepayment fee is charged by the bank.
- For the convenience of the customers, the bank provides doorstep service.
- You can further increase your loan eligibility and loan approval chances by adding a co-applicant to your loan.
- You can add your spouse or family members as co-applicants for the loan.
Yes Bank Home Loan Eligibility
If you are eligible for Yes Bank Home Loan then you can apply for this loan. Before applying for home loan, you should calculate your eligibility so that you can know whether you are eligible for this loan or not. Apart from this, you can go to the official website of the bank Home Loan Eligibility Calculator You can calculate your eligibility by using The main eligibility for Yes Bank Home Loan is as follows:
- Self-employed and salaried all can apply for this loan.
- Applicant’s age should be between 21 to 70 years.
- The monthly income of the salaried person should be Rs 20,000 and the annual income of the self -employed should be at least Rs 4 lakh.
- Required work experience for salaried employees: 2 years
- for Self Employed Individuals : 3 years
Documents Need for Yes Bank Home Loan
applying for Yes Bank Home Loan, you should get all your documents together so that whenever the bank asks you for documents, you can show them immediately. If you give all the documents to the bank then it will help you in getting your loan approved quickly. To apply for this home loan, you must have the following documents :
| Documents | salaried | Self employed |
| application with photo | Yes | Yes |
| Aadhar Card (not mandatory for NRIs) | Yes | Yes |
| KYC | Residence Proof Identity Proof Signature Proof | Address Proof (Office & Residence) Identity Proof Signature Proof |
| PAN Card/Form 60 | Yes | Yes |
| proof of income | Last 3 Months Salary Slip and IT Return / Form 16 | IT Returns, Audited Balance Sheet and Tax Audit Reports for the last 2 years along with computation of income, if applicable and proof of turnover through latest Sales/Service Tax Return |
| eligibility proof | Not Applicable | Yes (Applicable for Self Employed Professionals) |
| Bank statement | Last 6 months from the account where salary is credited | 6 months from operative account |
Yes Bank Home Loan Apply
If you fulfill all the conditions of the bank then you can apply for this loan. You can apply for this home loan both online and offline. Information about both the process of applying is given here. You can apply for home loan by calling Yes Bank’s helpline number 1800 1200 You can apply and track the status of your application.
Yes Bank Home Loan Online Apply 2024
If you want to apply online for this home loan, then follow the steps given below :
- First of all you have to visit the official website of YES Bank. https://www.yesbank.in/ But have to come
- On the home page of the website, the option of PERSONAL BANKING > INDIVIDUAL > LOANS will appear, click on it.
- After clicking you will be on the next page Home Loan Click on this option will appear.
- On the next page, all the information related to home loan will come in front of you and on this page you will see a form.
- In this form, you have to enter all the requested information like name, mobile number, pin code etc. correctly and submit the form.
- submitting the form, the bank representative will contact you and proceed with the loan process.
- If you fulfill all the conditions of the bank then your loan will be approved and the loan amount is transferred to your bank account.
How to apply offline ?
- First of all you have to go to your nearest YES Bank branch.
- By going to the bank, you have to contact the bank employee.
- The bank representative will provide you all the information related to the home loan.
- After that you have to give all your documents and fill a form.
- bank employee will verify your documents and will inform you about the amount up to which you are eligible.
- If you comply with all the conditions of the bank, then the loan process will be continued further.
Yes Bank Home Loan EMI Calculator
Before applying for a home loan, you should calculate the EMI ( Equated Monthly Installment) of your loan. The EMI of the loan depends on three main factors – loan amount, interest rate and loan tenure. If you do not calculate the EMI of your loan before applying for the loan, then you may have to face a lot of problems at the time of loan repayment. You can go to the official website of YES Bank Home Loan EMI Calculator With the help of this you can calculate your loan EMI online.
Home Loan Fees & Charges
- Processing Fee – 2% of the loan amount, up to Rs.10,000
- Part-Payment / Pre-payment / Loan Pre-closure / Foreclosure Charges:
- Nil for floating rate loan
- 4% on the outstanding principal during the period
- Late Payment Fee / Penal Interest Rate (Default Interest Rate) – 24% p.a. i.e. @ 2% p.m. on overdue installments
- Additional interest – 2% p.a. over and above the interest rate applicable on outstanding loans
- Repayment Mode / Check Swap Fee – Rs.500
- Check Bounce/Return Fee – Rs 750
- Account Details / Amortization Schedule (On Registered E-mail ID) – Nil
- Account Statement / Amortization Schedule (Physical Mode or Through Branch) – Rs.100
- Prepayment details fee – Rs.100
- Duplicate No Objection Certificate (NOC) – Rs 100
- Loan Cancellation / Rebooking – Rs 2000
- Legal, Possession and Contingent Charges – On Actual
- per consultation) (photocopy/scanning, etc.) – Rs.500
Yes Bank Home Loan Customer Care Number
if you want to get other information about this home loan, then you can get information by calling Yes Bank Home Loan customer care number.
- Toll Free Number – 1800 1200
My Final Thought:
In this article we have you Have provided complete information about How to Get Yes Bank Home Loan. Any person who is thinking of building a house and after that there is a shortage of money, then he can join the home loan of Yes Bank and build his dream house.
Hope you friends have found this article informative. If you liked this article then please share it with your friends.
FAQs on Yes Bank Home Loan
Q. What is Yes Bank Home Loan ?
Ans. When a person takes a loan to build a house, buy a house or renovate a house, it is a home loan. Yes Bank provides home loan facility to the customers.
Q. How much home loan can I take from Yes Bank ?
Ans. You can get loan amount from 10 lakhs to 10 crores.
Q. What is the interest rate of Yes Bank Home Loan ?
Ans. The interest rate of this loan starts from 8.95% per annum.
Q. How to apply for Yes Bank home loan ?
Ans. Complete information about applying for this home loan is given in this article. You can apply for this home loan with the help of this article.
Q. How can I get a home loan from Yes Bank ?
Ans. To get this home loan, you have to apply, which you can do online or offline.