Search for Loan Search for Free CIBIL Search for Card Search for Insurance Search for Investment Search for Stocks Search for Credit Card Search for Personal loan Search for IPO Search for Indices

Customer Portal

EMI Card

Download

Steal Deals

BAJAJ FINSERV DIRECT LIMITED

₹50 Lakh Loan Against Property

Compare the EMI structures across different tenures for a ₹50 Lakh loan against property and pick the option that fits your repayment capacity the best.

Your Monthly Loan EMI

₹ 63,311

Total Interest

₹ 2,597,300

Principal Amount

₹ 50,00,000

Total Payable Amount

₹ 75,97,300

Loan Amount

Interest Rate

- +

Tenure

- +

Check Offer

You can easily compare Loan Against Property (LAP) offers from multiple lenders on Bajaj Markets.

...

Download

Year	EMI	Principal	Interest	Balance

Understanding the EMI amounts across different tenures will help you choose the best plan to repay conveniently. With thorough research and preparation, you can make smarter decisions.

Moreover, knowing the loan's eligibility criteria and documentation requirements allows you to apply in a well-informed manner. It also ensures quicker access to funds during emergencies.

For example:

Your EMI for a loan against property of ₹50 lakhs with a 10-year tenure and an annual interest rate of 9.50% would be about ₹64,669. The entire amount of interest due during the loan term would be about ₹27,63,853.
This indicates that ₹77,63,853 is the entire repayment amount, which includes principal and interest.

₹50 Lakh Loan Against Property EMI for Different Tenures

The repayment tenure plays an important role in determining your instalment amount. A longer tenure reduces your EMI but increases the total interest paid. You can compute the amounts easily with a ₹50 Lakh loan against property EMI calculator.

Here is a table displaying the EMIs for different tenures, based on an annual interest rate of 9.50%:

Loan Amount	Interest Rate	Tenure	EMI Amount
₹50 Lakhs	9.50% p.a.	5 Years	₹1,05,009
₹50 Lakhs	9.50% p.a.	10 Years	₹64,669
₹50 Lakhs	9.50% p.a.	15 Years	₹52,211
₹50 Lakhs	9.50% p.a.	20 Years	₹46,607
₹50 Lakhs	9.50% p.a.	25 Years	₹43,685
₹50 Lakhs	9.50% p.a.	30 Years	₹42,043

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

₹50 Lakh Loan Against Property: EMI & Interest Payable for Various Tenures

The loan duration determines the EMI and total interest due on a loan against property of ₹50 Lakh.

The EMI amount will change based on whether you select a term of 5, 10, 15, 20, 25, or 30 years at an interest rate of 9.50% p.a.

₹50 Lakh Loan Against Property EMI for 5 Years

Here is the repayment structure of a ₹50 lakh loan Against Property for 5 years:

Loan Amount	₹50 Lakhs
Starting Interest Rate	9.50% p.a.
Tenure	5 Years
Total EMI Payable	₹1,05,009
Total Interest Payable	₹13,00,558
Total Amount Payable	₹63,00,558

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

₹50 Lakh Loan Against Property EMI for 10 Years

For a loan of ₹50 Lakhs with a 10-year tenure, the repayment structure will be as follows:

Loan Amount	₹50 Lakhs
Starting Interest Rate	9.50% p.a.
Tenure	10 Years
Total EMI Payable	₹64,669
Total Interest Payable	₹27,63,853
Total Amount Payable	₹77,63,853

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

₹50 Lakh Loan Against Property EMI for 15 Years

Take a look at the interest rate, EMI, and amount payable for your ₹50 Lakh loan against property for 15 years:

Loan Amount	₹50 Lakhs
Starting Interest Rate	9.50% p.a.
Tenure	15 Years
Total EMI Payable	₹52,211
Total Interest Payable	₹43,98,022
Total Amount Payable	₹93,98,022

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

₹50 Lakh Loan Against Property EMI for 20 Years

Opting for a tenure of 20 years allows you to spread the repayment into manageable EMIs. Take a look at the EMI, total interest, and the total amount you will need to pay:

Loan Amount	₹50 Lakhs
Starting Interest Rate	9.50% p.a.
Tenure	20 Years
Total EMI Payable	₹46,607
Total Interest Payable	₹61,85,574
Total Amount Payable	₹1,11,85,574

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

₹50 Lakh Loan Against Property EMI for 25 Years

Here is a simple breakdown of your ₹50 Lakh loan against property for 25 years. Check the EMI, interest rate, and amount payable you need to pay:

Loan Amount	₹50 Lakhs
Starting Interest Rate	9.50% p.a.
Tenure	25 Years
Total EMI Payable	₹43,685
Total Interest Payable	₹81,05,450
Total Amount Payable	₹1,31,05,450

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

₹50 Lakh Loan Against Property EMI for 30 Years

Opting for a longer tenure, 30 years, can help make the repayment easier when it comes to the monthly payment amount. Below is a detailed breakup of the EMI, total interest, and total amount payable for a ₹50 Lakh loan:

Loan Amount	₹50 Lakhs
Starting Interest Rate	9.50% p.a.
Tenure	30 Years
Total EMI Payable	₹42,043
Total Interest Payable	₹1,01,35,376
Total Amount Payable	₹1,51,35,376

Disclaimer: The figures mentioned in the above table are indicative. It is imperative to check the actual payable EMIs before applying.

How to Calculate ₹50 Lakh Loan Against Property EMI

Finding your ₹50 Lakh loan against property EMI is easy when you use a Loan Against Property EMI calculator. Lenders provide house loans with interest rates as low as 9.50% p.a. Utilise the user-friendly ₹50 Lakh loan EMI calculator to determine the amount of interest you will pay on your loan.

The formula for EMI Calculation –

P x R x (1+R)^N / [(1+R)^N-1] where-

P = loan amount

N = Loan tenure in months

R = Monthly interest rate

The interest rate (R) on your loan is calculated monthly.

R = Annual Rate of interest/12/100

For example,

You took a ₹50 Lakh loan for 5 years (60 months) at an interest rate of 7.50%, your monthly EMI will be approximately ₹1,05,009. The total interest will be of ₹13,00,558, and the overall repayment amount will be ₹63,00,558.

Interest Rates Offered by Different Lenders

On Bajaj Markets, you can easily compare leading lenders and their loan offers. The table below shows the estimated EMI for a ₹50 Lakh Loan Against Property with a 5-year tenure. It also highlights the total interest payable based on the interest rates offered by each lender:

Lender	Starting Interest Rate	Tenure (Example)	Total EMI Payable	Total Interest Payable
Bajaj Housing Finance Limited	8.99% p.a.	25 Years	₹41,926	₹75,77,675
JIO FS	9.00% p.a.	25 Years	₹41,960	₹75,87,945
PNB Housing Finance	9.25% p.a.	25 Years	₹42,819	₹78,45,728
LIC Housing Finance	9.45% p.a.	25 Years	₹43,511	₹80,53,353
L&T Finance	9.45% p.a.	25 Years	₹44,033	₹82,09,871
Easy Home Finance	9.60% p.a.	25 Years	₹44,033	₹82,09,871
Aditya Birla Capital Limited	10.50% p.a.	25 Years	₹47,209	₹91,62,726
ICICI Bank	10.60% p.a.	25 Years	₹47,567	₹92,69,992
Shubham Housing Finance	13.90% p.a.	25 Years	₹59,806	₹1,29,41,715
HOME FIRST	14.00% p.a.	25 Years	₹60,188	₹1,30,56,416
Truhome Finance	14.75% p.a.	25 Years	₹63,073	₹1,39,21,971
India Shelter	15.00% p.a.	25 Years	₹64,042	₹1,42,12,459

Disclaimer: The mentioned rates are subject to change at the lender’s discretion.

Other Loan Against Property EMI Options

10 Lakh Loan Against Property	20 Lakh Loan Against Property
30 Lakh Loan Against Property	40 Lakh Loan Against Property
1 Crore Loan Against Property

Frequently Asked Questions

What will be the EMI for a ₹50 lakh loan against property?

The EMI for a ₹50 lakh loan against property depends on the loan amount, tenure, interest rate and lender policies.

For example,

You took a ₹50 lakh loan for 10 years at a 9.50% interest rate; your total monthly EMI will be ₹64,669.

What is the eligibility for a ₹50 lakh loan against property?

All lenders have different eligibility criteria for a ₹50 lakh loan against property. Here is the eligibility common criteria for your reference:

The age limit should be 21 to 70 years
The minimum income should be at least ₹30,000 per month
Salaried applicants should have a minimum work experience of 1 year, and self-employed applicants should have 2 years

What documents are required for a ₹50 Lakh loan against property?

Here are the document criteria for a ₹50 Lakh loan against property:

Identity and Address Proof: PAN card, Aadhaar card, voter ID, passport, driving license, utility bills, etc.
Income Proof (For Salaried Applicants): Salary slips of the last 3 months, latest ITR, and Form 16
Income Proof (For Self-Employed Individuals): Bank statements of the last 6 months, audited financials of the company, and ITR filed by the business Property Documents

What is the interest rate range for a ₹50 Lakh loan against property?

The interest rate for a ₹50 Lakh loan against property ranges from 8.99% up to 15.00% p.a. on different lenders on Bajaj Markets for the loan.

What is the tenure range available for a ₹50 Lakh loan against property?

The tenure for a ₹50 Lakh loan against property ranges from 5 or 25 years on Bajaj Markets, and it can also depend on the lender's terms and policies.

Can I get a ₹50 Lakh loan against property with a low credit score?

Yes, you can apply for a ₹50 Lakh loan against property because LAP is a secured loan. Banks and lenders on Bajaj Markets can approve your loan application even with a lower credit score, but terms may vary.

What happens if I miss an EMI payment on my ₹50 Lakh loan against property?

You can face serious repercussions if you fail to make an EMI payment on your LAP. The lender will charge a late payment penalty, which often amounts to 2-3 per cent of the past-due EMI amount.

Moreover, your credit score will decline because the lender will notify credit bureaus of your default. If EMIs are not paid despite warnings, the financial institution may also seize control of your mortgaged property and file a lawsuit.