Yes Bank Home LoanEMI Calculator
Calculate your monthly EMI instantly with Yes Bank's latest interest rates. Plan your home loan with confidence using our advanced calculator.
Current Yes Bank Rates
Lower than market average
Min ₹10,000 • Max ₹1,00,000
Min ₹1L
Min 1 years
Calculate Your EMI
Use our advanced calculator to plan your home loan with Yes Bank's latest rates
Yes Bank Home Loan
Yes Bank offers home loans with flexible tenure options and special YES KHUSHI scheme for affordable housing. The bank provides competitive rates with digital convenience.
Key Features
- Interest rates starting from 9.0%
- Tenure up to 35 years for salaried
- YES KHUSHI loans for affordable housing
- Women applicants receive concession
- Digital application process
Interest Rates & Fees
EMI Calculator
EMI Details
Monthly EMI
₹28,160
Principal Amount
₹30,00,000
Total Interest
₹37,58,400
Total Amount Payable
₹67,58,400
Payment Breakdown
Eligibility Criteria
- Age: 21 to 65 years (salaried), 21 to 70 years (self-employed)
- Minimum income requirements
- Good credit history
- Stable employment/business
Documents Required
- Identity proof
- Address proof
- Income documents
- Bank statements
- Property papers
- Employment/Business proof
India's Most Trusted Financial Platform
Why Choose Yes Bank Home Loan?
Frequently Asked Questions
Everything you need to know about Yes Bank home loans
What is the current home loan interest rate for Yes Bank?
Yes Bank currently offers home loan interest rates starting from 9.4% and going up to 10.25% per annum. The exact rate depends on various factors including:
- •Your Credit score (750+ preferred)
- •Loan amount and loan-to-value ratio
- •Employment type (salaried/self-employed)
- •Property location and type
How much home loan can I get from Yes Bank?
Yes Bank offers home loans ranging from ₹1 lakhs to ₹5 crores. Your eligibility depends on:
Eligibility Criteria:
Salaried Individuals:
- • Age: 21-65 years
- • Min income: ₹25,000/month
- • Work experience: 2+ years
Self-Employed:
- • Age: 25-70 years
- • ITR: 3+ years
- • Business stability: 5+ years
What is the processing fee for Yes Bank home loan?
Yes Bank charges a processing fee of 2% of the loan amount:
Note: This is a one-time non-refundable fee. Some banks offer processing fee waivers during festive seasons.
Can I prepay my Yes Bank home loan?
Yes, Yes Bank allows both partial and full prepayment of home loans:
Floating Rate Loans:
No prepayment charges as per RBI guidelines
Fixed Rate Loans:
May attract 2-4% prepayment penalty
Pro Tip: Making even small prepayments can save significant interest. A ₹50,000 annual prepayment on a ₹50L loan can save ~₹15L in interest!
What documents are required for Yes Bank home loan?
Yes Bank requires the following documents for home loan application:
Identity & Address Proof
- ✓PAN Card (Mandatory)
- ✓Aadhaar Card
- ✓Passport/Driving License
Income Documents
Note: Additional documents may be required based on employment type and property details.
Compare with Other Banks
Find the best home loan rates across leading banks
Expert Tips for Home Loan Success
Maximize your savings and get the best deal on your Yes Bank home loan
Before Applying
Check Credit Score
Aim for 750+ for best rates
Save up to 0.5% on interest
Calculate Eligibility
Know your borrowing capacity
Avoid rejection & save time
Compare Banks
Research rates across lenders
Save lakhs in interest
Prepare Documents
Get all papers ready
Fast-track approval by 7-10 days
After Loan Approval
Setup Auto-Debit
Never miss an EMI payment
Maintain perfect credit record
Make Prepayments
Pay extra when possible
Save 40-50% on total interest
Claim Tax Benefits
Use 80C & Section 24
Save up to ₹2L annually
Consider Transfer
Switch for better rates
Save ₹10-20L on ₹50L loan
💡 Pro Tip: The 5% Prepayment Strategy
Prepaying just 5% of your loan amount annually can reduce your tenure by 8-10 years and save up to 45% of total interest!
₹50L
Loan Amount
₹2.5L
Annual Prepayment
₹22L
Interest Saved
Ready to Get Your Dream Home?
Start your Yes Bank home loan journey today with our exclusive rates and fast processing
2L+
Happy Customers
₹5000Cr+
Loans Processed
20+
Bank Partners
4.8★
Customer Rating