What Is a Home Loan Tenor?
Prospective homebuyers opting for a Home Loan should carefully plan to ensure a smooth repayment experience. Since the loan amount is usually sizeable, being financially responsible becomes important. Borrowing wisely and cost-effectively is key for a default-free repayment process.
The Home Loan tenor is simply the repayment window during which you need to repay your Home Loan in EMIs. Given the usual size of funding, certain lenders allow you a tenor that ranges up to 30 years to make it easier for you to repay at your own pace. However, a repayment tenor is comfortable only when it meets your financial and repayment capacity.
To help you understand this better and determine the Home Loan tenor that’s right for you, here’s a breakdown of a few options
Home Loan Tenor: Types and Scenarios
Short-Term Home Loan
With this option, your repayment window is shorter compared to long-term loans, which has its advantages as well as its disadvantages. Since you’re repaying your Home Loan over a shorter period, you are not paying as much interest, which means that the total cost of the loan is reduced significantly. However, to repay the loan in such a short window, your EMIs are significantly higher.
Choose a short-term Home Loan only if you’re financially strong and can handle hefty EMIs without any hassle.
Medium-Term Home Loan
A medium-term Home Loan strikes the balance between both ends and usually spans up to 15 to 20 years. Such tenors enable you to optimise your interest outgo most effectively by paying reasonably sized EMIs and still saving on your total interest outflow. If your finances allow it, such tenors are recommended, and you can consider opting for it to save throughout repayment. You can use online tools, such as the Home Loan EMI Calculator for an accurate assessment of your repayment capacity against your current financial standing.
Maximum Home Loan Tenor
A maximum Home Loan tenor is the most any lender can allow you to repay your loan amount. It typically ranges up to 40 years, breaking your repayment amount into smaller EMIs – comfortably paced out over the period. However, given the duration of the repayment process, you are also likely to accumulate a greater amount of interest paid, which ultimately raises your overall cost of borrowing.
If you are looking for convenient repayment, opting for a maximum Home Loan tenor is a good option.
These are generally the three Home Loan tenor options that you can choose from. Ensure that you choose the right tenor based on your repayment goals and capabilities.
Here is an example to illustrate the differences in EMI and interest payable for the different types of Home Loan tenors:
Loan Amount | Tenor | EMI Amount (in Rs.) | Interest Rate | Interest Payable (in Rs.) | Total Amount (in Rs.) |
---|---|---|---|---|---|
Rs.1,00,00,000 | 5 years | 2,05,165 | 8.50%* | 2,51,88,515 | 3,51,88,515 |
Rs.1,00,00,000 | 15 years | 98,474 | 8.50%* | 77,25,312 | 1,77,25,312 |
Rs.1,00,00,000 | 30 years | 76,891 | 8.50%* | 1,76,80,885 | 2,76,80,885 |
Rs.1,00,00,000 | 40 years | 73,309 | 8.50%* | 2,51,88,515 | 3,51,88,515 |
Disclaimer:- The interest rate considered here, and its subsequent calculations are for illustrative purposes only. The calculations and actuals will differ basis the individual’s profile and loan requirements.
- Your income (current and prospective)
- Your monthly expenses (both fixed and fluctuating)
- Your savings (current and future)
- Your age (which helps you understand the earning years ahead of you)
- Current interest rate
What Should You Keep in Mind While Selecting Your Home Loan Tenor?
The following are the important factors that should be kept in mind while choosing an ideal Home Loan tenor:
- Your current earnings vs. the expenses: It is obvious that your income will determine your capacity to spend each month. If your monthly income is high, you can go for a shorter tenor and likewise, for a modest income, you can go for a longer tenor. Depending on your loan amount requirement and the debt-to-income ratio, the lenders can decide the best tenor for the Home Loan for you.
- Your age at the time of borrowing: Even though the maximum loan tenor most lenders offer is around 30 years, there is a cap to the maximum age by which you can repay the Home Loan too. If you are young, you can choose the longest tenor and pay the EMIs at your convenience. The more you age, the shorter your tenor and the higher your EMIs.
- The property you buy: The property you buy should not only match your current income but also the income possibility in the coming years. You should definitely aim for a good house, but you should also consider other life expenses that would rise in the future. Look for a property that suits your needs and gives you the best possible tenor.
Must Read: How To Reduce Home Loan EMI
Final Words
Bajaj Housing Finance Home Loan comes with several features and benefits. With our loan, you can get an attractive Home Loan interest rate and a flexible tenor ranging up to 40 years, basis eligibility. This allows you to choose a repayment plan based on your goals. It also allows you to make pre-payments or foreclose your Home Loan with no additional cost if you are an individual borrower with a floating interest rate.
To start your journey as a homebuyer, apply online today.
*Terms and conditions apply.
Frequently Asked Questions
Lenders typically provide a maximum Home Loan tenor of 30 years, but the actual duration may vary based on your age and the policies of the specific bank you choose. It is advisable to inquire with your selected lender to determine the maximum Home Loan tenor they can offer based on your circumstances.
Lenders provide Home Loan pre-closure facilities, allowing borrowers to pay off their Home Loan before the scheduled tenor ends. By paying the entire outstanding loan amount, along with any applicable pre-closure charges, borrowers can complete the pre-closure process. The specific charges for pre-closure may vary among different lenders.
The Home Loan tenor is decided by the lender based on your monthly income, age, and other eligibility factors. A Home Loan tenor of 20 years may be convenient for you if your monthly income allows you to make the monthly repayments comfortably for this tenor.
A long repayment tenor may be beneficial if you lower monthly EMIs. This way you would be able to repay your Home Loan conveniently without compromising with other financial expenses.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?