₹25 Lakhs Home Loan EMI & Interest Rates

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About Affordable Home Loan of up to ₹25 Lakh

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Whether you are upgrading to a slightly larger home or buying a well-connected property, a ₹25 Lakh home loan from Godrej Housing Finance helps turn your plans into reality. Enjoy flexible EMIs, a tenure that suits your budget, and competitive interest rates, all with the convenience of applying online for quick approval and minimal paperwork.

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Calculate EMI as per Tenure for 25 Lakh

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₹25 Lakh Housing Loan: Key Features & Benefits

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Design Your EMI (DEMI)

Looking for a home loan with flexible EMI options? With Godrej Housing Finance’s ₹25 Lakh home loan, customise your EMIs to suit your financial journey.

Customised home loan EMI options for salaried and self-employed individuals
Interest-only payments for up to 12 months for ready-to-move-in properties
Interest-only period of up to 48 months for under-construction properties
Tailored repayment plans to match your cash flow
Combine with parallel funding for select under-construction home loans

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Parallel Funding

Ease your down payment burden with parallel funding: a smart solution for home buyers opting for under-construction homes.

Split down payments into manageable instalments
Pay in sync with construction milestones
Available on select real estate projects with partnered developers

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₹25 Lakh Home Loan EMI Based on Loan Tenures

Planning a home upgrade? With interest rates starting at 8.55% p.a. and EMIs from ₹19,311, a ₹25 Lakh home loan from Godrej Housing Finance is designed for growing families and evolving needs.

The EMI for a ₹25 Lakh home loan depends on factors like loan tenure and applicable interest rate. Understanding your monthly outflow across different tenures can help you plan better. Use the guide below to understand EMI breakup, including principal, interest, and total repayment for various tenures like 5, 10, 15 up to 30 years.

Use a Home Loan EMI calculator to get the desired results.

Tenure	5 Years	10 Years	15 Years	20 Years	25 Years	30 Years
Equated Monthly Installments (₹)
Principal Amount (₹)
Interest Amount (₹)
Total Amount Payable (₹)

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8.55

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Factors Affecting Home Loan Interest Rates

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The interest rate you are offered depends on several factors:

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1. Credit Score

A higher credit score (usually 750 and above) reflects good financial discipline and may help you secure a lower interest rate.

2. Loan Amount and Tenure

The amount you borrow and your chosen repayment tenure can influence your rate. Generally, shorter tenures attract lower rates.

3. Type of Employment

Salaried applicants, especially those working with reputed organizations, may get better rates compared to self-employed individuals due to income predictability.

4. Income Level

A stable and higher income improves repayment capacity, making you eligible for more competitive interest rates.

5. Property Type and Location

The value, location, and condition of the property play a role in determining risk levels for the lender, impacting the interest rate.

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