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  • Loan Amount- Upto Rs. 5 Crore
  • Interest Rate: 9.85% onwards
  • Loan Tenure: Upto 35 years
  • Processing Fees: 2%

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

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Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

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Date :21/01/2020

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Updated: 07-01-2020 06:24:58 AM
Yes Bank Home Loan Details –  2020
Interest Rate9.85%
Loan TenureUp to 35 years
Processing Charges2% or Rs. 10,000 (whichever is higher)+ GST

Yes Bank offers attractive home loan solutions at attractive interest rates with high flexibility in terms of Loan Amount and Loan Tenure. Customers can opt for Yes Bank home loans for various home-related purposes, such as home improvement, home construction, home purchase, etc.

Features and Benefits of Yes Bank Home Loan
Yes Bank Home Loan Interest Rates
Processing Fee and Other Charges
Yes Bank Home Loan Eligibility Criteria
Yes Bank Home Loan Documents Required
Yes Bank Home Loan Schemes
Yes Bank Home Loan EMI Calculator
Apply for Yes Bank Home Loan
Yes Bank Home Loan Customer Care Details
FAQs

Features and Benefits of Yes Bank Home Loan

  • Attractive interest rates
  • Longer loan tenure extending up to 35 years
  • Easy documentation process
  • Quick processing time
  • Availability of Balance Transfer Facility and Top-Up facility
  • Doorstep Service
  • Custom-built plans for self-employed individuals

Yes Bank Home Loan Interest Rates

Yes Bank Home Loan rate of interest is directly linked to external benchmark i.e. 6 Month Certificate of Deposit Rate, as published by FBIL. This external benchmark rate changes on a daily basis,for year 2020, it is 5.6%. The effective rate of interest applicable on Yes Bank Home Loan is the combination of external benchmark and spread.

Variant/Reset FrequencyRate of Interest (External Benchmark Rate + Spread)
Margin based /Loan takeover- Income/RTR based9.85%
Surrogate Programs/Top-up10.71% to 12.71%

Processing Fee and Other Charges

Particulars*Charges/Fee
Processing Fee2% or Rs 10,000 whichever is higher
(Rs 7,500 is non-refundable in case the disbursal has not been availed)
Part-Payment/Pre-payment/Loan Pre-closure/Foreclosure FeesNil for floating rate loans
2.5% on the principal outstanding for fixed-rate loans
Late Payment Fees / Penal Interest Rate (Default Interest Rate)24% per annum i.e. @2% per month on the overdue instalment(s)
Additional Interest2% p.a. over and above the applicable interest rate on the loan outstanding
Repayment Mode / Cheque Swap ChargesRs 500-
Cheque Bounce / Return ChargesRs 750 per instance
Statement of Account /Amortisation Schedule (on registered e-mail id)Nil
Statement of Account /Amortisation Schedule (Physical mode or via
Branch)		Rs 100 per request
Prepayment Statement ChargesRs 100 per request
Duplicate No Objection Certificate (NOC)Rs 100 per request
Loan cancellation/RebookingRs. 2,000- (additionally franking/stamping norms as per actuals if applicable)
Legal, Repossession & Incidental chargesAt Actuals
Document retrieval charges (per advice) (Photocopy/scanning, etc)Rs 500
Switch charges (Floating to prevailing fixed rate only if the same is permitted by the bank at the time of request)0.5% of the outstanding loan amount
Switch charges (Fixed to prevailing floating rate only if the same is permitted by the bank at the time of request)1% of the outstanding loan amount
Conversion charges (Higher Floating rate to lower floating rate, only if the same is permitted by the bank at the time of request)0.5% of the outstanding loan amount
Conversion charges (Higher Fixed rate to lower Fixed-rate, only if the same is permitted by the bank at the time of request)1% of the outstanding loan amount
EMI cycle date changeRs 500
Equitable Mortgage Creation Charges/Stamp DutyAt Actuals as per state laws applicable from time to time

* Goods and Services Tax (GST) as applicable will be levied in addition to the mentioned charges.

Yes Bank Home Loan Eligibility Criteria

Mentioned below is the eligibility criteria that a customer must satisfy to avail home loan from Yes Bank.

AgeMust be between 23-60 years
Income● Salaried: Rs. 25,000 p.m.
● Self-Employed: Rs. 4 lakh p.a.
Work Experience● Salaried: 2 years
● Business stability/Self-employed individuals: 2 years
Loan AmountRs. 10 lakh to Rs. 5 crore

Yes Bank Home Loan Documents Required

Following are the documents required to successfully apply for a Yes Bank Home Loan.

DocumentSalariedSelf-Employed
Application with photographYesYes
Aadhaar Card (non-mandatory for NRIs)YesYes
KYC● Address Proof
● Identity Proof
● Signature Proof		● Address Proof (office and residence)
● Identity Proof
● Signature Proof
Pan Card/Form 60YesYes
Proof of IncomeLast 2 years’ Salary Slip and IT returns/ Form 16Last 2 years’ IT returns with computation of income, audited Balance Sheet and Profit & Loss account including tax audit report if applicable and proof of turnover vide latest sales/service tax returns
Qualification ProofNot applicableYes (applicable for Self-Employed Professionals)
Bank StatementLast 6 months from the account where salary is creditedLast 6 Months from the operative account

Yes Bank Home Loan Schemes

Yes Bank also offers home loans under the Pradhan Mantri Awas Yojana scheme to meet the housing needs of EWS/LIG/MIG segment (first time home buyers) by way of a subsidy on the Home loan. Let’s learn a bit more about this scheme.
Features & Benefits

  • Interest subsidy benefit of up to 6.5%
  • Approval on building designs is compulsory before construction
  • Compulsory ground floor accommodation for senior citizens and differently abled
  • Encourages women to be homeowners or co-applicants

Key Norms for Credit Linked Subsidy Scheme (CLSS)

Scheme DetailsEWS/LIGMIG IMIG II
Family1 Income (INR)Up to 6,00,0006,00,001-12,00,00012,00,001-18,00,000
Loan PurposePurchase/Self-Construction/ExtensionPurchase/Self-ConstructionPurchase/Self-Construction
Carpet Area (Max)Not exceeding 60sqmts2Not exceeding 160sqmtsNot exceeding 200sqmts
Woman OwnershipMandatoryNot MandatoryNot Mandatory
1st PropertyFamily should not own any pucca dwelling unit in any part of India
Max Subsidy Benefit (INR)Rs. 2.67 lakhRs. 2.35 lakhRs. 2.30 lakh
Scheme Validity31/03/202231/03/202031/03/2020

Note: The PMAY/CLSS is at the sole discretion of the Government of India. The contents given in the table are parameters as mentioned under the scheme.

PMAY Eligibility Criteria

  • The house to be acquired should be preferably in the name of a female head of the household or in the joint name of male head and his wife
  • The beneficiary family should not own a pucca house in the name of any member of their family anywhere in India
  • In case of married couples, either of the spouse or both together in joint ownership will be eligible for a single subsidy
  • The beneficiary family should not have availed central assistance under any other housing scheme from the Government of India or any benefit under any scheme in PMAY

Details

  • For MIG category, Aadhaar number(s) of the beneficiary family is mandatory
  • Interest subsidy will be available for maximum loan tenure of 20 years or the loan tenure, whichever is lower
  • A borrower can be eligible for a subsidy of up to INR 2.67 lakh under PMAY
  • Subsidy benefit under PMAY-CLSS can only be availed by families buying their first house, having an annual income not exceeding INR 18 lakh
  • Additional loan beyond the specified limits, if any, will be at non-subsidise rate
  • There is no limit on the loan amount or the cost of the property

Yes Bank Home Loan EMI Calculator

Yes Bank Home Loan EMI calculator can be found at www.paisabazaar.com. It facilitates easy calculation of monthly installment to be paid towards the repayment of the availed loan amount within the selected tenure. Knowing the EMI in advance helps to plan the finances better. Some of the points that affect the EMI are interest rate, loan tenure, principal amount or the amount to be borrowed and credit score.

Apply for Yes Bank Home Loan

Customers can apply online for Yes Bank Home Loan through Paisabazaar.com by simply following the below-mentioned steps.

Soon, one of the Paisabazaar representatives will contact you on the provided contact number to process your application.

Yes Bank Home Loan Customer Care Details

Customers can reach out to Yes Bank on the below-mentioned details to get their home loan- related queries addressed.

  • Message YES HL to 9223390909
  • Call at 1800-419-1717

FAQs

Q1. How is the loan amount eligibility calculated by Yes Bank?
The home loan eligibility and the loan amount you can receive depend on the below-mentioned factors:

  • Income and Repayment capacity
  • Credit History
  • Age
  • Number of dependents

Q2. Is there any facility provided by Yes Bank to ensure safety of the applicant’s property?
Yes Bank offers Yes Bank home protection plan to ensure safety of the applicant’s property.
Q3. What is balance transfer facility?
This facility allows the applicant to transfer his/her existing home loan with other banks to Yes Bank at comparatively lower prices.
Q4. Who can join the loan as a co-applicant?
You can include your spouse or family members as a co-applicant for the loan. However, all co-owners of the property should necessarily be the co-applicant.
Q5. Can I switch to a Floating Rate Home Loan from a Fixed Rate Loan?
Yes. To switch from a floating rate to a fixed rate or vice versa, a fee equivalent to 0.5% of the remaining principal amount will be levied. However, if customers wish to switch from the Base Rate/MCLR to External Benchmark, no charges are applicable. Customers can do so by visiting the nearest Yes Bank branch or writing to yestouch@yesbank.in.

Did you find this article helpful? Rate it.

Yes Bank Home Loan
(4.8/5 ) 40 Reviews
Write a review
May 27 , 2019
5/5
Affordable interest rate

the interest rate of Yes Bank home loan was affordable at 8.80% for floating rate.

May 27 , 2019
5/5
Bank loan

I could apply for any amount for my Yes Bank home loan with a combined income.

May 27 , 2019
5/5
Floating interest

I did not pay foreclosure charges on floating interest rate for my Yes Bank home loan.

May 27 , 2019
5/5
Loan processing fee

I have paid 0.50% of the loan amount as processing fee on my Yes Bank loan account.

May 27 , 2019
5/5
Higher loan tenure

my Yes Bank loan tenure was higher at 30 years to help me pay slowly.

May 27 , 2019
5/5
Lowest interest rate

I was charged 8.70% on my home loan with Yes Bank floating interest rate.

May 27 , 2019
5/5
No limit home loan

there was no upper limit on my Yes Bank home loan application.

May 26 , 2019
5/5
Maximum loan amount

Loan amount of up to 5 crores is possible with Yes Bank.

View All Reviews
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