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Rs. 35 Lakh Home Loan EMI

A Rs. 30 Lakhs home can help you purchase or construct a house of your own. You can easily calculate the Rs. 35 Lakh Home Loan EMI using our Home Loan EMI Calculator available online and know your eligibility before applying for the loan.

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Rs. 35 Lakh Home Loan EMI Details

A home loan of Rs. 35 Lakhs is a long-term commitment and that’s why it is extremely important to understand all the pros and cons of taking such a huge loan amount before applying for the loan. The EMI for an Rs. 35 Lakhs home loan may differ from bank to bank and borrower to borrower depending on the interest rate applicable on the loan and tenure of repayment.

Following are the details of 35 Lakh home loan EMI for 10 years, 20 years and 30 years tenure at a 8.20% p.a. interest rate:

EMI (in years)Amount
EMI for a tenure of 10 yearsRs. 42,835
EMI for a tenure of 20 yearsRs. 29,713
EMI for a tenure of 30 yearsRs. 26,171

Additional Info: Also check Home Loans in Bangalore

Rs. 35 Lakh Home Loan Interest Rates - 2022

Many banks and other financial institutions offer Rs. 35 Lakh Home Loan in India at different interest rates. The table for different Home Loan Interest Rates of the Top 10 banks and NBFCs for a Home Loan of Rs. 35 Lakhs is given below:

CitibankStarting @7.40% p.a.
Bank of Maharashtra8.00% - 10.45% p.a.
PNB Housing Finance Ltd.8.25% - 9.35% p.a.
Bajaj Finserv8.30% - 14.00% p.a.
Kotak Mahindra Bank8.30% - 9.00% p.a.
State Bank of India8.40% - 9.05% p.a.
HDFC Bank8.40% - 8.90% p.a.
ICICI Bank8.40% - 9.50% p.a.
Tata Capital Starting @8.60%

Additional Info: Best Home Loan Interest Rates @8.20%

Popular Banks Providing Rs. 35 Lakh Home Loan

There are many banks, NBFCs (non-banking financial companies), HFCs (housing finance companies) and other financial institutions that provide home loans of Rs. 35 Lakhs in India. Some of the best banks offer a housing loan of Rs. 35 Lakhs and more are ICICI Bank, HDFC Bank, State Bank of India, Kotak Mahindra Bank, Bank of Maharashtra, Federal Bank, Punjab National Bank, Bank of Baroda, Axis Bank, and so on.

The approved home loan limit can be used for a variety of housing-related purposes like purchasing a flat/independent house, a piece of loan, or an under-construction property. The interest rate for Rs. 35 Lakhs home loan start from 8.20% p.a. at present. The rate of interest differs for different borrowers based on the lender’s policies, borrower’s income, credit score, gender, type of occupation, and other factors.

Additional Info: Looking for 1 Crore Home Loan? Check EMI & Apply

Rs. 35 Lakh Home Loan EMI for 10 Years

The Rs. 35 Lakh home loan EMI for 10 years tenure at a 8.20% p.a. interest rate would come to Rs. 42,835. The EMI on an Rs. 35 Lakhs Home Loan for a tenure of 10 years varies from lender to lender based on the interest rate offered and the borrower’s eligibility.

Following is the table for different EMIs on Rs. 35 Lakhs loan at the different interest rates for 10 years tenure: 

Rate of Interest (p.a.)TenureEMI for Rs. 35 Lakhs Loan
7.40%10 yearsRs. 41,363
8.00%10 yearsRs. 42,465
8.25%10 yearsRs. 42,928
8.30%10 yearsRs. 43,022
8.40%10 yearsRs. 43,208
8.60%10 yearsRs. 43,582

Rs.35 Lakh home loan EMI for 10 years @ rate of interest 8.20% p.a.

YearEMI (p.a)Interest (p.a)Principal (p.a)Closing Balance
1Rs. 5,14,025.00Rs. 2,78,270.00Rs. 2,35,755.00Rs. 32,64,245.00
2Rs. 5,14,025.00Rs. 2,58,195.00Rs. 2,55,830.00Rs. 30,08,415.00
3Rs. 5,14,025.00Rs. 2,36,410.00Rs. 2,77,615.00Rs. 27,30,799.00
4Rs. 5,14,025.00Rs. 2,12,770.00Rs. 3,01,255.00Rs. 24,29,544.00
5Rs. 5,14,025.00Rs. 1,87,118.00Rs. 3,26,907.00Rs. 21,02,637.00
6Rs. 5,14,025.00Rs. 1,59,280.00Rs. 3,54,745.00Rs. 17,47,892.00
7Rs. 5,14,025.00Rs. 1,29,073.00Rs. 3,84,952.00Rs. 13,62,939.00
8Rs. 5,14,025.00Rs. 96,293.00Rs. 4,17,732.00Rs. 9,45,207.00
9Rs. 5,14,025.00Rs. 60,722.00Rs. 4,53,303.00Rs. 4,91,904.00
10Rs. 5,14,025.00Rs. 22,122.00Rs. 35,00,000.00Rs. 0.00

Additional Info: Also check SBI Home Loan EMI Calculator

EMI for Rs. 35 Lakhs Home Loan for 20 Years

The EMI for 35 Lakhs home loan for 20 years tenure at an 7.90% p.a. rate of interest will be Rs. 29058. The EMI varies from lender to lender based on the rate of interest offered and the borrower’s profile. 

Below is the table for different EMIs on Rs. 35 Lakhs loan at the different interest rates for 20 years tenure:  

Rate of Interest (p.a.)TenureEMI for Rs. 35 Lakhs Loan
7.40%20 yearsRs. 27,982
8.00%20 yearsRs. 29,275
8.25%20 yearsRs. 29,822
8.30%20 yearsRs. 29,932
8.40%20 yearsRs. 30,153
8.60%20 yearsRs. 30,596

Additional Info: Also check Pan Number for Banks

Rs.35 Lakh home loan EMI for 20 years starting @ 8.20% p.a rate of interest.

YearEMI (p.a)Interest (p.a)Principal (p.a)Closing Balance
13,56,5512,84,32672,22534,27,775
23,56,5512,78,17578,37633,49,399
33,56,5512,71,50285,04932,64,351
43,56,5512,64,25992,29231,72,059
53,56,5512,56,4001,00,15130,71,909
63,56,5512,47,8721,08,67929,63,230
73,56,5512,38,6181,17,93328,45,298
83,56,5512,28,5761,27,97527,17,323
93,56,5512,17,6781,38,87325,78,451
103,56,5512,05,8531,50,69824,27,753
113,56,5511,93,0201,63,53122,64,222
123,56,5511,79,0951,77,45620,86,767
133,56,5511,63,9841,92,56718,94,200
143,56,5511,47,5872,08,96416,85,237
153,56,5511,29,7932,26,75814,58,479
163,56,5511,10,4842,46,06712,12,413
173,56,55189,5302,67,0219,45,392
183,56,55166,7932,89,7586,55,634
193,56,55142,1193,14,4323,41,203
203,56,55115,34435,00,0000

EMI for Rs. 35 Lakhs Home Loan for 30 Years

EMI for 35 Lakhs home loan for 30 years tenure will be Rs. 25,438 at an interest rate of 8.20% p.a. The EMI can vary depending on the lender’s policy, the interest rate offered by the lender and the borrower’s eligibility. You can use the EMI Calculator available on our website for calculating the EMI for Rs. 35 Lakhs home loan for various tenures and interest rates. 

Below is the table for different EMIs on Rs. 35 Lakhs loan at the different interest rates for 30 years tenure: 

Rate of Interest (p.a.)TenureEMI for Rs. 35 Lakhs Loan
7.40%30 yearsRs. 24,233
8.00%30 yearsRs. 25,682
8.20%30 yearsRs. 26,171
8.25%30 yearsRs. 25438
8.30%30 yearsRs. 26,294
8.40%30 yearsRs. 26,664
8.60%30 yearsRs. 27,160

Rs. 35 Lakh home loan EMI for 30 years @ rate of interest 8.20% p.a.

YearEMI (p.a)Interest (p.a)Principal (p.a)Closing Balance 
1Rs. 35,00,000.00Rs. 3,14,057.00Rs. 2,85,960.00Rs. 28,097.00Rs. 34,71,903.00
2Rs. 34,71,903.00Rs. 3,14,057.00Rs. 2,83,567.00Rs. 30,490.00Rs. 34,41,413.00
3Rs. 34,41,413.00Rs. 3,14,057.00Rs. 2,80,971.00Rs. 33,086.00Rs. 34,08,327.00
4Rs. 34,08,327.00Rs. 3,14,057.00Rs. 2,78,153.00Rs. 35,904.00Rs. 33,72,423.00
5Rs. 33,72,423.00Rs. 3,14,057.00Rs. 2,75,096.00Rs. 38,961.00Rs. 33,33,463.00
6Rs. 33,33,462.00Rs. 3,14,057.00Rs. 2,71,778.00Rs. 42,279.00Rs. 32,91,184.00
7Rs. 32,91,183.00Rs. 3,14,057.00Rs. 2,68,178.00Rs. 45,879.00Rs. 32,45,305.00
8Rs. 32,45,304.00Rs. 3,14,057.00Rs. 2,64,271.00Rs. 49,786.00Rs. 31,95,519.00
9Rs. 31,95,518.00Rs. 3,14,057.00Rs. 2,60,032.00Rs. 54,025.00Rs. 31,41,494.00
10Rs. 31,41,493.00Rs. 3,14,057.00Rs. 2,55,432.00Rs. 58,625.00Rs. 30,82,869.00
11Rs. 30,82,868.00Rs. 3,14,057.00Rs. 2,50,440.00Rs. 63,617.00Rs. 30,19,252.00
12Rs. 30,19,251.00Rs. 3,14,057.00Rs. 2,45,022.00Rs. 69,035.00Rs. 29,50,217.00
13Rs. 29,50,216.00Rs. 3,14,057.00Rs. 2,39,144.00Rs. 74,913.00Rs. 28,75,305.00
14Rs. 28,75,303.00Rs. 3,14,057.00Rs. 2,32,765.00Rs. 81,292.00Rs. 27,94,013.00
15Rs. 27,94,011.00Rs. 3,14,057.00Rs. 2,25,843.00Rs. 88,214.00Rs. 27,05,799.00
16Rs. 27,05,797.00Rs. 3,14,057.00Rs. 2,18,331.00Rs. 95,726.00Rs. 26,10,073.00
17Rs. 26,10,071.00Rs. 3,14,057.00Rs. 2,10,179.00Rs. 1,03,878.00Rs. 25,06,195.00
18Rs. 25,06,193.00Rs. 3,14,057.00Rs. 2,01,334.00Rs. 1,12,723.00Rs. 23,93,472.00
19Rs. 23,93,470.00Rs. 3,14,057.00Rs. 1,91,735.00Rs. 1,22,322.00Rs. 22,71,150.00
20Rs. 22,71,148.00Rs. 3,14,057.00Rs. 1,81,319.00Rs. 1,32,738.00Rs. 21,38,412.00
21Rs. 21,38,410.00Rs. 3,14,057.00Rs. 1,70,016.00Rs. 1,44,041.00Rs. 19,94,372.00
22Rs. 19,94,369.00Rs. 3,14,057.00Rs. 1,57,751.00Rs. 1,56,306.00Rs. 18,38,066.00
23Rs. 18,38,063.00Rs. 3,14,057.00Rs. 1,44,441.00Rs. 1,69,616.00Rs. 16,68,450.00
24Rs. 16,68,447.00Rs. 3,14,057.00Rs. 1,29,997.00Rs. 1,84,060.00Rs. 14,84,390.00
25Rs. 14,84,387.00Rs. 3,14,057.00Rs. 1,14,324.00Rs. 1,99,733.00Rs. 12,84,657.00
26Rs. 12,84,654.00Rs. 3,14,057.00Rs. 97,316.00Rs. 2,16,741.00Rs. 10,67,916.00
27Rs. 10,67,913.00Rs. 3,14,057.00Rs. 78,860.00Rs. 2,35,197.00Rs. 8,32,719.00
28Rs. 8,32,716.00Rs. 3,14,057.00Rs. 58,832.00Rs. 2,55,225.00Rs. 5,77,494.00
29Rs. 5,77,491.00Rs. 3,14,057.00Rs. 37,099.00Rs. 2,76,958.00Rs. 3,00,537.00
30Rs. 3,00,533.00Rs. 3,14,057.00Rs. 13,515.00Rs. 35,00,000.00Rs. 0.00

Additional Info: Also Check & Apply for SBI Plot Loan

Eligibility for Rs. 35 Lakh Home Loan

You have to meet the Home Loan Eligibility Criteria given below to be eligible to avail of a home loan of Rs. 35 Lakhs:

Eligibility Criteria for Salaried Borrowers

  • Applicants should be resident Indians.
  • Applicants should be aged between 18 and 65 years.
  • Applicants should have a work experience of at least 3 years.
  • Applicants should be earning a minimum monthly income of Rs. 25,000 on a regular basis.

Eligibility Criteria for Self-employed Borrowers

  • Applicants should be resident Indians.
  • Applicants should be aged between 21 and 70 years.
  • Applicants should have at least 3 years of business continuity.
  • Applicants should be earning at least Rs. 2,60,000 per year.

Additional Info: Looking for 80 Lakh Home Loan? Check EMI & Apply

Documents Required for Rs. 35 Lakh Home Loan

The following documents are required to be submitted to apply for a Rs. 35 Lakhs home loan:

  • Duly filled in & signed home loan application form.
  • Recent passport-sized photographs of applicants and co-applicants.
  • Identity proof, such as Aadhaar Card, Driving License, Passport, Voter ID, etc.
  • Address proof, such as Aadhaar Card, Driving License, Passport, Voter ID, etc.
  • Age proof, such as Birth Certificate, Class 10th Certificate, etc.
  • Bank statements of last 6 months.
  • Form 16 or Income Tax Return.
  • Processing fee cheque.
  • Balance Sheet and P&L Statement of the last 3 years certified by a CA certified (for self-employed applicants).
  • Business profile of self-employed applicants.

Additional Info: Also check Documents Required For Home Loan

How to Apply for Up to Rs. 35 Lakh Home Loan Loan

Follow the steps given below to apply for a home loan of Rs. 35 Lakhs:

  • Visit our website and then click on the ‘Home Loan’ tab under the ‘Loans’ section.
  • Fill out the online home loan application completely and accurately by entering all the mandatory details.
  • Enter the ‘OTP’ received on your registered mobile number.
  • Click on the ‘Submit’ button to receive the best home loan offer quote.
  • Housing loan offers will be displayed on the screen according to the information entered by you.
  • Choose your preferred option and apply online.
  • Our home loan experts will contact you regarding the home loan process completely.

Additional Info: Also Check Home Loan for Salaried Person

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MyMoneyMantra is India’s largest phygital loan distributor. With trust of 70 lakh customers, we assure hassle free access to the best Home Loans up to 10 crore for housing loan borrowers in India. Our service is 100% free. We use latest technology and AI to serve customers across the length & breadth of our diverse country. Check Eligibility & Apply.

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35 Lakh Home Loan EMI FAQs

✅ What is the EMI for a Rs. 35 lakhs home loan?

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The EMI for an Rs. 35 Lakhs home loan varies depending on the two crucial factors, i.e. the interest rate on the loan and tenure of repaying the loan. You can use our 35 Lakhs home loan EMI calculator to calculate Rs. 35 lakhs home loan EMI for different interest rates and tenures.

✅ What is the minimum salary required for a Rs. 35 Lakh home loan?

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The minimum salary required for Rs. 35 Lakh home loan is Rs. 40,000 - 45000 per month.

✅ What is 35 lakh home loan EMI for 30 years from SBI?

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SBI offers home loans for a maximum tenure of 30 years. The interest rate for home loans at SBI ranges from 7.55% to 8.25% p.a. The EMI for an 35 Lakhs home loan in SBI for 30 years tenure ranges from Rs. Rs. 24,592 to Rs. 26,294.

✅ What is 35 lakh home loan EMI for 30 years from HDFC?

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HDFC offers home loans for a maximum tenure of 30 years. The interest rate for home loans at HDFC ranges from 7.55% to 8.05% p.a. The EMI for an 35 Lakhs home loan in HDFC for 30 years tenure ranges from Rs. 24,592 to Rs. 25,804.

✅ How much home loan can I get on a 35000 salary?

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According to the Home Loan Eligibility Calculator available online, you can get up to Rs. 20,46,586 home loan on an Rs. 35,000 monthly salary. The loan amount depends on the income of the borrower and existing EMI obligations as well.