Recent Search and Popular Product
Business Loan
Personal Loan
Home Loan
Education Loan
Car Loan
Credit Card
Loan Against Security
Loan Against Property
Explore Your Options
Yes Bank Home Loan Small Segment
When YES bank is with you, say yes to all of your little and big dreams, like home ownership. Get instant financial help in a matter of days! With the support of this technology-based solution, customers may easily fulfill their short-term financial demands. Apply for the Yes Bank Home Loan Small Segment and let your dream come true.Powered By
Yes Bank Home Loan Small Segment
Apply Now
Here are a few factors
| Location | 50Km from Branch |
| CIBIL Score | 680+ |
| Applicant | Salaried & Self Employed Both |
| Applicant Age | Salaried-21
Year to 60 Year Self Employed-21 Year to 70 Year |
| Loan Amount & Tenure | 1 Lac to 1Cr (5 Year to 30 Year) |
| Login Fees | 1180 |
| Rate of Interest & Type | 9.90% to 11% (Reducing) |
| TAT | 4 Days |
| Processing Fees | 1%+GST |
| Insurance & Other Charges | Insurance Charges:0%-2% |
| Foreclosure Charges | Nil for Individual & 2% for other than individual |
| Minimum Income | Which is fit to cover EMI |
| Lock In Period | 1 Month |
| Part Payment Allowed | Yes |
| Home Loan OD Product | No |
| LTV | (i)Up to
10 Lac-100% (ii) >10 Lac<=20Lac-95% (iii) >20 Lac-30 Lac- 90% (iv)>30 Lac<75 Lac-80% (v)>75 Lac-75% |
| Product | 1.
Seller BT Product 2. New Purchase 3. BT+ Topup 4. Plot Purchase+ Construction 5. Home Renovation |
| Program | 1.
Banking Program-1Cr 2. BT+ Top up-Up to 1 Cr 3. Normal Income- Up to 1 Cr 4. Without ITR-1 Cr 5. RTR Program-1 Cr |
| CO - Applicant | Yes |
| FOIR | 1.Salary
<70K-70%, >1 Lac-80% 2. Self Employed-100% of Income |
| Negative Profile | Jewelers & Wine Shop |
| Funded Property Type | (i) Residential Property (ii) Residential Approved Plot Purchase (iii) Residential Plot Purchase & Construction |
| Negative Property | (i)
GPA Property(ii) Demolition List Property (iii) Un-Approved Plot (iv) Bachha
Flat (v) Lal Dora (vi) Sub-divided Property(vii)Auction List Property (viii) Un-approved Freehold Property (ix) 4th Floor & above |
| Accepted Collateral | Other than Negative Property |
| Business Vintage for Self Employed Person | 3 Year |
| Minimum Job Experience for Salaried Person | 2 Year |
| Experience with Current Employer | 3 Month |
| Any Specific Product for Professionals | No |
| USP | (i) Funding on PM Uday Property (ii) No Negative Profile |
| Additional | Funding to Cash Salary Applicant also |
Required Documents for Yes Bank Home Loan Small Segment
Salaried Income Documents
-
KYC of applicant & Co-Applicant
-
Last 3 Month Salary Slip of Applicant
-
Last 12 month Bank Statement of applicant & co-applicant
-
Last 3 year ITR with computation of income of applicant & co-applicant
-
Last 2 Year Form 16 of applicant
-
26AS of last 2 years of applicant & co-applicant.
-
Appointment letter of applicant if available
-
Agreement to Sale if purchase case
-
Property Paper with complete chain of last 13 years
-
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case.
-
Sanction letter of all running loans.
-
Latest utility Bill if owned residence or rent agreement if rented.
-
2 Reference with contact details.
Self-employed Income Documents
-
KYC of applicant & Co-Applicant
-
Last 3 year ITR with computation of income of applicant & co-applicant
-
Last 3 year audited balance sheet of applicant
-
Last 3 year Tax audit report of applicant
-
Last 12 month Bank Statement of applicant & co-applicant
-
26AS of last 2 years of applicant & co-applicant.
-
Copy of GST registration ,Copy of MSME registration ,Copy of Last 12 month GST return
-
Agreement to Sale if purchase case
-
Property Paper with complete chain of last 13 years
-
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
-
Sanction letter of all running loans.
-
Debt Sheet
-
Latest utility Bill of residence if owned or rent agreement if rented.
-
2 Reference with contact details
-
Last 3 year Debtors & Creditors on letterhead
-
List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
About Yes Bank Home Loan Small Segment
One of the best-known banking firms in India, YES Bank provides clients with a variety of investment and financial products. The attractive interest rate on YES Bank home loans satisfies customers' housing needs.
One can purchase, expand, build, repair, or renovate with the help of YES Bank home loans. These are intended for both salaried and self-employed borrowers. The bank offers favorable interest rates, and the loan is accessible because of the low fees.
How to Reach YES Bank’s Customer Care?
Basic Eligibility Criteria
The salaried applicant should be between the age of 21-60 years.
The self-employed applicant should be between the age of 21-70.
The applicant should have a minimum job experience of 2 years..
Individuals receiving cash salary are also eligible for these loans.
The applicant should have a credit score of 680+
FREQUENTLY ASKED QUESTIONS
YES Bank offers an interest rate that starts at 9.90% annually and fluctuates depending on the program's features.
Interest rate breaks are available to borrowers with good credit scores.
Depending on the applicant, the interest rate on the EMI for a home loan varies.
Ans. No, you can use this housing loan amount for remodeling or repair work on your existing house. This can entail, among several other things, repainting, buying new furniture, and including more rooms in the current one.
There is a maximum amount of Rs. 1.5 lakh that may be claimed. As per the provisions of the Income Tax Act 1961, the exemption amount under Section 24(b) that is now applicable is Rs. 2,00,000.
Copyright 2025 © upniva.com
