25 Lakh Home Loan EMI & Interest Rate
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₹25 Lakh Home Loan EMI
₹25 Lakh Home Loan EMI Details
If you are taking a home loan, you have to repay it in EMIs or Equated Monthly Instalments within the pre-specified tenure. Your home loan EMI depends on three factors – the amount of the loan, the interest rate and the repayment tenure. The EMI is structured in such a way that during the initial years of repayment, the interest component is much higher than the principal amount, and towards the final years, the principal component increases and the interest decreases.
For example, let’s say that you have availed a ₹25 lakh home loan. Let’s keep the interest rate at 8.45% p.a. and tenures of 5, 10, 15, 20 and 30 years, respectively. So, your EMI on a ₹25 lakh home loan after using an EMI calculator will be:
| Loan Amount (₹) | Interest Rate (p.a.) | Tenure | EMI |
| ₹ 25,00,000 | 8.45% | 5 Years | ₹ 51,231 |
| ₹ 25,00,000 | 8.45% | 10 Years | ₹ 30,930 |
| ₹ 25,00,000 | 8.45% | 15 Years | ₹ 24,545 |
| ₹ 25,00,000 | 8.45% | 20 Years | ₹ 21,617 |
| ₹ 25,00,000 | 8.45% | 30 Years | ₹ 19,134 |
₹25 Lakh Home Loan EMI Calculator
EMIs are based on the loan amount, interest rate and repayment tenure of the home loan. You can manually calculate the EMI for a home loan of ₹25 lakh, but it can be tedious, and can leave room for errors. Instead, as a better alternative, you can use the Navi Home Loan EMI Calculator.
This online calculator provides an easy and quick calculation of your home loan EMI. All you need to enter are the loan amount, the interest rate and the repayment tenure to check your monthly instalment amount.
Loan Amount
Rate of Interest (P.a)
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Loan Tenure (Years)
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Monthly EMI
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Total Interest
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25 lakh Homeloan Interest and Other Charges
₹25 Lakh Home Loan Interest Rate & Other Charges
Avail loans at competitive interest rates, starting from 8.45% p.a.
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₹25 Lakh Home Loan Eligibility & Documents Required
₹25 Lakh Home Loan Eligibility & Documents Required
- Nationality: Indian resident
- Age: 25 to 62 years
- Type of employment: Salaried or Self-employed
- PAN and Aadhaar card
- Bank statement or GST returns
₹25 Lakh Home Loan EMI for 10 Years
Are you wondering what the EMI would be for a ₹25 lakh home loan for a tenure of 10 years? This is when the Navi online Home Loan EMI Calculator comes in handy. However, it is also necessary for you to know how to calculate home loan EMIs manually.
EMI = {P x R x (1+R)^N} / {(1 + R)^N – 1}
Here, P= loan principal amount,
R= rate of interest divided by 100,
N= number of EMIs you have to pay. For example, if your loan has a tenure of 10 years, then N would be 120 months (12X10).
Now, let us calculate your EMI for a ₹25 lakh home loan for 10 years manually:
EMI = ₹{2500000 x 0.00615 x (1 + 0.00615)^120} / {(1 + 0.00615)^120-1} = ₹29,532.
You can see that such calculations can take a lot of time and are difficult to solve. This is the reason why you should use our home loan EMI calculator.
The details are as follows:
| Loan Amount | ₹ 25,00,000 |
| Rate of Interest | 8.45% p.a. |
| EMI | ₹ 30,930 |
| Total Interest | ₹ 12,11,553 |
| Total Repayment | ₹ 37,11,553 |
₹25 Lakh Home Loan EMI for 20 Years
Increasing the repayment tenure of a home loan will bring down the EMI considerably. Let’s understand this by calculating the EMI for a ₹25 lakh home loan for 20 years. The formula for calculating EMI is as follows:
EMI = {P x R x (1+R)^N} / {(1 + R)^N – 1}
Here, P= loan principal amount,
R= rate of interest divided by 100,
N= number of EMIs you have to pay. For example, if your loan has a tenure of 20 years, then N would be 240 months (20×12).
Now, let us calculate your EMI for a ₹25 lakh home loan for 20 years manually:
EMI = ₹{2500000 x 0. 00615 x (1 + 0. 00615)^240} / {(1 + 0. 00615)^240-1} = ₹19,972
You can see that manual calculation can be hectic. This is the reason why you should use the Navi home loan EMI calculator.
The details are as follows:
| Loan Amount | ₹ 25,00,000 |
| Rate of Interest | 8.45% p.a. |
| EMI | ₹ 21,617 |
| Total Interest | ₹ 26,87,968 |
| Total Repayment | ₹ 51,87,968 |
₹25 Lakh Home Loan EMI for 30 Years
Just out of curiosity, let us also see how much the EMI would be for a home loan of ₹25 lakh for 30 years. The formula for calculating EMI is as follows:
EMI = {P x R x (1+R)^N} / {(1 + R)^N – 1}
Here, P= loan principal amount, R= rate of interest divided by 100, N= number of EMIs you have to pay. For example, if your loan has a tenure of 30 years, then N would be 360 months (30×12).
Now, let us calculate the EMI for a ₹25 lakh home loan for 30 years manually:
EMI = ₹{2500000 x 0. 00615 x (1 + 0. 00615)^360} / {(1 + 0. 00615)^360-1} = ₹17,292
Such manual calculations can be time consuming and lead to errors. Instead, you can use the Navi home loan EMI calculator.
The details are as follows:
| Loan Amount | ₹ 25,00,000 |
| Rate of Interest | 8.45% p.a. |
| EMI | ₹ 19,134 |
| Total Interest | ₹ 43,88,355 |
| Total Repayment | ₹ 68,88,355 |
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