What will be the Rs. 70 lakh home loan EMI for 25 years?

If you choose a 25-year tenure for a Rs. 70 lakh home loan, your EMI will depend on the interest rate. For instance, at 8.50% interest, your EMI may be around Rs. 56,366 per month. A longer tenure reduces monthly payments but increases total interest. Use an EMI calculator to check the exact value.

What is the EMI for a Rs. 70 lakh home loan for 20 years?

For a 20-year loan of Rs. 70 lakh, the EMI depends on the interest rate you’re offered. At an interest rate of 7.49% offered by Bajaj Finserv, the monthly EMI can be approximately Rs. 56,349. Shorter tenures mean higher EMIs but lower overall interest paid across the loan period. Always compare rates before applying.

What is the maximum repayment tenure I can go for in the case of a Rs. 70 lakh home loan?

Most lenders offer repayment tenures up to 30 years for a home loan of Rs. 70 lakh, depending on your age, income, and repayment capacity. A longer tenure reduces EMI but increases the total interest paid. The maximum tenure is subject to eligibility and the lender’s internal policy. Looking for extended tenures up to 32 years? Bajaj Finserv offers them along with competitive interest rates with EMIs starting at Rs. 684/lakh*. Check your eligibility in a few minutes using your mobile phone number and OTP.

Can I get a home loan of Rs. 70 lakh?

Yes, you can get a home loan of Rs. 70 lakh if you meet the lender’s eligibility criteria. These usually include age, income, credit score, employment type, and the value of the property. Lenders will also check your repayment capacity and overall financial profile before approving the loan.Bajaj Finserv offers competitive interest rates starting from 7.45%* p.a that you might already qualify for. Check your home loan offers now by entering your mobile number and verifying it with an OTP.

What will be the EMI for a Rs. 70 lakh home loan?

The EMI for a Rs. 70 lakh home loan depends on the interest rate and tenure. For example, at 8.50% interest for 20 years, the EMI would be around Rs. 60,748. You can adjust the tenure to get an EMI that suits your budget. Always use an EMI calculator before applying.

What is the ideal loan tenure for a Rs. 70 lakh home loan to have a manageable EMI?

A 25- to 30-year tenure is generally ideal for a Rs. 70 lakh loan if you're looking for manageable EMIs. While longer tenures reduce your monthly burden, they also increase the total interest paid. Choose a tenure that balances affordability and overall cost, based on your income and savings goals. Bajaj Finserv offers flexible tenures extending up to 32 years on home loans along with competitive interest rates. You might already be eligible. Check your offers now by entering your mobile number and verifying it with an OTP.

Can I get a Rs. 70 lakh home loan with a low credit score?

Getting a Rs. 70 lakh home loan with a low credit score is difficult but not impossible. Some lenders may approve the loan at a higher interest rate or ask for a co-applicant or security. To improve your chances, you may need to show higher income or reduce your existing debts.

How much salary for a Rs. 70 lakh loan?

To qualify for a home loan of Rs. 70 lakh from Bajaj Finserv, your monthly income needs to meet the minimum requirement. Typically, individuals residing in major cities like Mumbai, Delhi, Pune, Chennai, or Bangalore should have a salary of at least Rs. 20,000 per month. In other Indian cities, applicants may be eligible with a minimum salary of Rs. 15,000, provided they meet other Bajaj Finserv eligibility criteria.

What is the EMI for a Rs. 60 lakh home loan for 20 years?

The EMI for a Rs. 60 lakh home loan with Bajaj Finserv is determined by factors such as the applicable interest rate and repayment tenure. For example, if the interest rate is 7.45% per annum and the repayment period is 20 years, the monthly EMI is around Rs. 48,152. A slightly lower or higher interest rate can increase or reduce the EMI amount accordingly.

How much EMI for a Rs. 80 lakh home loan?

With Bajaj Finserv, the EMI for a Rs. 80 lakh home loan depends on the tenure and interest rate chosen by the borrower. For instance, if the tenure is 20 years with an interest rate of about 7.45% per annum, the EMI would be Rs. 64,203 per month. Choosing a shorter tenure, such as 5 years, results in a significantly higher EMI of around Rs. 1.6 lakh.

Rs. 70 Lakh Home Loan EMI and Interest Rate for 10, 20, and 30 Years

Rs. 70 Lakh Home Loan EMI and Interest Rate

For a Rs. 70 Lakh home loan at an interest rate of 7.45%* p.a, your estimated Equated Monthly Instalment (EMI) would be approximately Rs. 82,909 for a 10-year tenure, Rs. 56,178 for 20 years, and Rs. 48,706 for a 30-year term. While extending the loan tenure significantly lowers your monthly EMI, making it more manageable for your budget, it is crucial to remember that this also leads to a substantially higher total interest amount paid over the entire lifespan of the loan, so carefully weigh your monthly affordability against the long-term financial cost.

2 min

15 September 2025

Planning to take a home loan of Rs. 70 lakh to buy your dream house? Before applying, it’s helpful to understand how the EMI works and how much interest you might pay over time. Knowing this in advance can make it easier to plan your monthly budget and repayment strategy. You can use a home loan EMI calculator online to estimate your monthly outgo. Let’s explore the EMI you might pay on a Rs. 70 lakh home loan across different loan tenures and how you can manage your repayments better.

Rs. 70 Lakh Home Loan EMI and Interest Rate

Bajaj Finserv offers Rs. 70 lakh home loan EMI starting at Rs. 684/lakh** that can help you to finance your high-value purchases and build your dream home without worrying about funds. You can easily get sanctioned for an amount of Rs. 70 lakh or more to cover necessary costs, from purchasing the property to the construction expenses.

Also, thanks to government-backed schemes like PMAY and added facilities such as top-up loan features, flexible repayment terms, etc., you can save even more. However, before submitting your 70 lakh home loan application form, learn about the eligibility requirements, interest charges, etc., here.

Rs. 70 lakh home loan EMI according to tenure

The table below outlines the monthly instalment (EMI), total interest, and the total amount payable for Rs. 70 lakh across a range of tenures at the rate of 7.45%* p.a* offered by Bajaj Finserv on housing loans. Curious to know if you qualify for these competitive rates? You can check your eligibility today by entering your mobile number and verifying it with an OTP.

Loan amount (Rs.)	Interest rate	Tenure (years)	EMI	Total interest (Rs.)	Total amount payable (Rs.)
70 lakh	7.45%* p.a	5	1,40,099	14,05,963	84,05,963
70 lakh	7.45%* p.a	10	82,909	29,49,042	99,49,042
70 lakh	7.45%* p.a	15	64,692	46,44,584	1,16,44,584
70 lakh	7.45%* p.a	20	56,178	64,82,649	1,34,82,649
70 lakh	7.45%* p.a	25	51,502	84,50,581	1,54,50,581
70 lakh	7.45%* p.a	30	48,706	1,05,34,007	1,75,34,007

Rs. 70 lakh home loan interest rate details

The allotted home loan interest rate on an Rs. 70 lakh home loan for salaried applicants and professional applicants is 7.45%* p.a and onwards. Remember, the rate of interest always influences the overall cost of borrowing, and your monthly liabilities differ according to that.

Make sure you calculate the monthly instalment amount using a house loan EMI calculator, especially when you are planning to opt for such a large amount. This way it will get easier for you to plan your finances accordingly.

70 lakh home loan EMI details

Understanding the loan amortisation, how much you will have to bear for the specified repayment tenor, etc., are necessary before availing a loan. As mentioned earlier, assessing home loan EMI using the relevant financial tool is ideal to get the EMI breakup and know the exact amount you need to pay each month. Ready to check your home loan offers with Bajaj Finserv? You might already qualify for favourable terms and competitive rates. Find out by entering your mobile number and verifying it with an OTP.

Rs. 70 lakh home loan eligibility and documents required

To make the most of the benefits of this credit facility, meet the following home loan eligibility criteria first.

Salaried individuals	Self-employed individuals
Must be a citizen of India	Must be an Indian resident
Age should be between 23 and 67 years*	Age should be between 23 and 70 years*
Should have at least 3 years of stable work experience with a recognised organisation	Must have a well-established business with a minimum of 5 years of continuity
Must meet the required minimum income and property value guidelines for your city	Same as above – subject to income and property conditions applicable in your area

Apart from meeting these parameters, you must ensure that the following documents are ready with you to avail a home loan up to Rs. 70 Lakh:

FORM 16 or latest salary slips (for salaried individuals)
TR document or P&L statement (2 years) (for self-employed individuals)
Proof of business vintage of minimum 5 years (for self-employed individuals)
Basic KYC documents, such as address and identity proof
Bank account statements (last 6 months)

Once you have all these necessary papers handy, it is time for you to be aware of the offered interest rate to evaluate your monthly obligations.

**Maximum age considered at the time of loan maturity.

Rs. 70 lakh home loan EMI for different tenures

Rs. 70 lakh home loan EMI for 30 years

The table below details the particulars regarding a home loan of Rs. 70 lakh for a tenure of 30 years from Bajaj Finserv.

Loan amount	Rs. 70 lakh
Interest rate	7.45%* p.a
Loan tenure	30 years
EMI	Rs. 48,706
Total interest payable	Rs. 1,05,34,007
Total payable amount	Rs. 1,75,34,007

Rs. 70 lakh home loan EMI for 25 years

The table below details the particulars regarding a home loan of Rs. 70 lakh for a tenure of 25 years from Bajaj Finserv.

Loan amount	Rs. 70 lakh
Interest rate	7.45%* p.a
Loan tenure	25 years
EMI	Rs. 51,502
Total interest payable	Rs. 84,50,581
Total payable amount	Rs. 1,54,50,581

Rs. 70 lakh home loan EMI for 20 years

The table below details the particulars regarding a home loan of Rs. 70 lakh for a tenure of 20 years from Bajaj Finserv.

Loan amount	Rs. 70 lakh
Interest rate	7.45%* p.a
Loan tenure	20 years
EMI	Rs. 56,178
Total interest payable	Rs. 64,82,649
Total payable amount	Rs. 1,34,82,649

Rs. 70 lakh home loan EMI for 15 years

The table below details the particulars regarding a home loan of Rs. 70 lakh for a tenure of 15 years from Bajaj Finserv.

Loan amount	Rs. 70 lakh
Interest rate	7.45%* p.a
Loan tenure	15 years
EMI	Rs. 64,692
Total interest payable	Rs. 46,44,584
Total payable amount	Rs. 1,16,44,584

Rs. 70 lakh home loan EMI for 10 years

The table below details the particulars regarding a home loan of Rs. 70 lakh for a tenure of 10 years from Bajaj Finserv.

Loan amount	Rs. 70 lakh
Interest rate	7.45%* p.a
Loan tenure	10 years
EMI	Rs. 82,909
Total interest payable	Rs. 29,49,042
Total payable amount	Rs. 99,49,042

Rs. 70 lakh home loan EMI for 5 years

The table below details the particulars regarding a home loan of Rs. 70 lakh for a tenure of 5 years from Bajaj Finserv.

Loan amount	Rs. 70 lakh
Interest rate	7.45%* p.a
Loan tenure	10 years
EMI	Rs. 1,40,099
Total interest payable	Rs. 14,05,963
Total payable amount	Rs. 84,05,963

Home loan for different budgets

Rs. 20 lakh home loan EMI	Rs. 75 lakh home loan EMI	Rs. 10 lakh home loan EMI
Rs. 50 lakh home loan EMI	Rs. 45 lakh home loan EMI	Rs. 10 lakh home loan EMI
Rs. 35 lakh home loan EMI	Rs. 30 lakh home loan EMI	Rs. 25 lakh home loan EMI
Rs. 15 lakh home loan EMI	Rs. 12 lakh home loan EMI	Rs. 1 crore home loan EMI

Apply for a home loan in different cities

Home Loan in Mumbai	Home Loan in Delhi	Home Loan in Bangalore
Home Loan in Hyderabad	Home Loan in Chennai	Home Loan in Pune
Home Loan in Kerala	Home Loan in Noida	Home Loan in Ahmedabad