YES Bank Home Loan
YES Bank Home Loan
YES Bank Home Loan
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Salaried or self-employed, we'll find the right loan for you.
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YES Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
YES Bank Home Loan Key Highlights
Loan Amount Up to Rs. 10 crores
Rate of Interest 8.90% per annum
Processing Fee 1.5% or INR 10,000, whichever is higher
Maximum Tenure for Repayment 30 years
Rate Packages Fixed/ Floater
Charges for Prepayment/Foreclosure Floater- Nil | Fixed
2.5% on the outstanding loan amount
YES Bank Home Loan Interest Rates in 2026
Banks offer home loans because they profit from these by charging a fixed interest on the total loan amount. YES Bank home loan interest rate starts at 9.00% per annum. The table below enlists YES Bank Housing Loan interest rates 2026:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| YES Bank Regular Home Loan Scheme | 9.40% - 10.25% per annum |
| YES Khushi Home Loan Scheme | 10.50% - 12.50% per annum |
YES Bank Home Loan Eligibility Criteria
YES Bank has some pre-determined eligibility criteria for applicants seeking a home loan. These are based on the borrower's age, nationality, work experience and repayment capacity. The table below enlists the YES Bank home loan eligibility criteria for your reference:
For Salaried Individuals
Age Range (in years)
21 - 60 Years
Nationality
Indian Residents/ NRIs
Minimum Income Earned
Nothing Specific
For Self-Employed Individuals
Age Range (in years)
21 - 60 Years
Nationality
Indian Residents/ NRIs
Minimum Income Earned
Nothing Specific
YES Bank Home Loan Processing Fee and Charges
To process each home loan application, YES Bank charges a processing fee of 1.5% of the loan amount or Rs. 10000, whichever is higher and additional GST charges. The table below enlists the updated YES Bank home loan processing fees and charges for 2023:
| Processing Fee | 1.5% of the loan amount or Rs. 10000, whichever is higher + GST |
| Document Retrieval Charges | Rs. 500 per instance |
| Charges for Providing Document List (LOD) | Rs. 500 per instance |
| Login Fee | Rs. 5000 |
| Cheque Bounce Charges | Rs. 750 per instance |
| Property Swapping Charges | 0.1% of the loan outstanding subject to a minimum of Rs. 10000 |
| EMI Cycle Date Change Charges | Rs. 500 per instance |
| Rate Package Conversion Charges | Floater to Fixed: 0.5% of the outstanding loan amount Fixed to Floater: 1% of the outstanding loan amount Higher Floater - Lower Floater: 0.5% of the loan outstanding loan amount Higher Fixed - Lower Fixed: 1% of the loan o |
| Loan Cancellation Charges | Rs. 2000 |
| Late Fee/ Penal Charges | As per the contractual rate for overdue amounts/ the period after 30 days grace period |
| Foreclosure Charges | Nil for floater plans 2.5% on the outstanding amount for fixed-rate loans |
| Foreclosure Statement Charges | Rs. 100 per instance |
| No Objection Certificate (NOC) | Rs. 100 per certificate |
YES Bank Home Loan Schemes and Top Plans
- Best home loan scheme for those keen to purchase a new home or resale property
- Hassle-free and quick loan approvals
- Maximum loan amount up to Rs. 10 crores
- Ideal for borrowers who want to buy a plot and construct a home on it
- Tailor-made home loans with maximum loan repayment tenure of 35 years
- Low-interest rates
- Ideal for those keen to renovate, extend or repair an existing home
- Loan amounts starting at Rs. 10 lakhs up to Rs. 10 crores
- Quick loan disbursal
- Ideal for salaried, self-employed, and NRI applicants, but the co-applicant should be an Indian Resident
- Minimum monthly income Rs. 9000
- Flexible repayment options
- Easy balance transfer option
- Quick top-up facility available
- Flexible balance transfer facility of home loans from other banks
- Feature to avail Top-up facility
- Quick approvals with minimum documentation
- Easy top-up facility on an existing home loan with YES Bank
- Borrower should have a satisfactory repayment history
- Offered to applicants who have applied for a home loan from YES Bank and not just only a top-up scheme
* Note: All of the above home loan plans are made available to applicants solely at the discretion of YES Bank, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for YES Bank Home Loan
YES Bank asks for a certain set of KYC documents to grant you home loans. Have a look at the YES Bank home loan documents required list and arrange for the same before applying for a housing loan:
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income |
|
| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
|
Apply Home Loan Through BASIC Home Loan
YES Bank is known for offering hassle-free home loans with minimum paperwork.
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
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