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5 Step Guide To Ease The Home Loan ProcessFollow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
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Rules for Loan Against Property: Eligibility & TipsRead the latest insights from Sammaan Capital.
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5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
-
Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
-
5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
-
Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
About Us
All you need to know
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5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
-
Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
Products
All you need to know
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5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
-
Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
Calculators
All you need to know
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5 Step Guide To Ease The Home Loan Process
Follow this 5-step home loan guide to understand eligibility, application, approval and disbursement for a smooth loan journey.
-
Rules for Loan Against Property: Eligibility & Tips
Read the latest insights from Sammaan Capital.
₹3 Crore Home Loan EMI
Check your EMI for a ₹3 crore home loan based on interest rate and tenure. Plan your repayment with easy calculations and flexible options.
* The final rate of Interest will depend upon Profile, Loan amount, tenure, property type and other risk parameters.
₹ 3 Crore Home Loan Overview
A ₹3 crore home loan is a popular choice for individuals looking to purchase, construct, or renovate a property. The EMI for your loan depends on factors such as interest rate, tenure, and loan type.
With flexible repayment tenures and competitive interest rates, you can structure your loan to match your financial goals and monthly budget.
Before applying, it is important to understand how EMI is calculated and how different tenures impact your total repayment.
What is Home Loan EMI?
EMI or Equated Monthly Instalment is the fixed amount you pay every month towards your home loan. It includes both the principal amount and the interest charged on the outstanding loan.
The EMI remains consistent for fixed interest rates, while it may vary in case of floating interest rates depending on market conditions.
How EMI for a ₹3 Crore Home Loan Is Calculated
The EMI for a ₹3 crore home loan is calculated based on multiple factors:
Applicable home loan interest rate
Loan tenure selected
Type of interest rate
A longer tenure reduces your monthly EMI but increases the total interest payable. A shorter tenure increases EMI but helps reduce overall interest cost.
Sammaan Capital offers flexible tenures of up to 30 years, allowing you to plan your repayment comfortably.
Understanding Home Loan EMI
Home Loan EMI Calculator assists in calculation of the loan installment i.e. EMI towards your home loan. It an easy to use calculator and acts as a financial planning tool for a home buyer.
It an easy to use calculator and acts as a financial planning tool for a home buyer.
Home Loan EMI Calculator assists in calculation of the loan installment i.e. EMI towards your home loan.
Why Choose Sammaan Capital
Sammaan at Our Core and Actions
Sammaan Capital stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all.
WE’VE HELPED OVER
1.4+ Million users
with their Home Loan requirements
One of the largest Mortgage-focused NBFCs in India
200+
Offices Across India
₹0.70 Trillion
Balance Sheet Size
25 Years+
Housing finance expertise
Know Your Numbers, Before You Apply
₹3 Crore Home Loan EMI Based on Tenure
Here is an indicative EMI breakdown for a ₹3 crore home loan across different tenures. Actual EMI may vary based on applicable interest rates.
| Tenure | Interest Rate | EMI per Month | Total Interest | Total Payable Amount |
|---|---|---|---|---|
| 5 years | 8.75 % p.a. | ₹ 6,19,117 | ₹ 71,47,019 | ₹ 3,71,47,019 |
| 10 years | 8.75 % p.a. | ₹ 3,75,980 | ₹ 1,51,17,630 | ₹ 4,51,17,630 |
| 15 years | 8.75 % p.a. | ₹ 2,99,835 | ₹ 2,39,70,227 | ₹ 5,39,70,227 |
| 20 years | 8.75 % p.a. | ₹ 2,65,113 | ₹ 3,36,27,171 | ₹ 6,36,27,171 |
| 25 years | 8.75 % p.a. | ₹ 2,46,643 | ₹ 4,39,92,927 | ₹ 7,39,92,927 |
| 30 years | 8.75 % p.a. | ₹ 2,36,010 | ₹ 5,49,63,644 | ₹ 8,49,63,644 |
Home Loan EMI Per Lakh For ₹3 Crore
Understanding EMI per lakh helps you quickly estimate your monthly repayment for different loan tenures.
5 Year Tenure
₹2,075 per lakh
10 Year Tenure
₹1,271 per lakh
20 Year Tenure
₹900 per lakh
30 Year Tenure
₹773 per lakh
Plan Your ₹3 Crore Home Loan with Confidence
Choosing the right home loan is an important financial decision. By understanding your EMI, interest rate, and tenure options, you can make informed choices that suit your long-term goals.
Use the EMI calculator to explore different scenarios and find a repayment plan that works best for you. You can also apply online to get personalized loan options based on your eligibility.
Documents Required for Home Loan
For all applicants
Current Passport size photograph of all Applicants
Duly filled & signed Application Form
Proof of Identity: Aadhaar card/ Passport/ Driving License/ Voter ID PAN Card)
Property documents: True Copies, Sale Deed, Khata, Transfer of Ownership, NOC from builder / Housing Society (Original Copy), Land Tax Paid Receipt, Possession Certificate.
Processing Fee cheque
For Salaried
Income Documents: Duly attested
Form 26AS
Form 16
Bank statement of last 6 months
Offer letter
For Self-employed Professional
2 years IT return with computation
Profit and loss of last 2 years
Qualification proof
Balance sheet of last 2 years
Bank statement of last 12 months
For Self-employed Non-professional
2 years IT Return with computation
Profit and loss of 2 years
Qualification proof
Balance sheet of 2 years
Bank statement of last 12 months
Gumasta license
For Merchant Navy / NRI
Salary slips of last 6 months
Passport
1-year Bank statement for NRE/NRO Account
CDC (Continuous Discharge Certificate)
Last 3 years contract copy
Form 16 for 2 years with computation
Other Related Documents
Sanction Letter / Account Statement of running loans and bank statements reflecting loan repayments
Bank statement for payment made to the builder (Own Contribution)
In case of recent employment, submit Form 16
If the property is decided then submit a photocopy of property title documents.
Current Passport size photograph of all Applicants
Duly filled & signed Application Form
Proof of Identity: Aadhaar card/ Passport/ Driving License/ Voter ID PAN Card)
Property documents: True Copies, Sale Deed, Khata, Transfer of Ownership, NOC from builder / Housing Society (Original Copy), Land Tax Paid Receipt, Possession Certificate.
Processing Fee cheque
Income Documents: Duly attested
Form 26AS
Form 16
Bank statement of last 6 months
Offer letter
2 years IT return with computation
Profit and loss of last 2 years
Qualification proof
Balance sheet of last 2 years
Bank statement of last 12 months
2 years IT Return with computation
Profit and loss of 2 years
Qualification proof
Balance sheet of 2 years
Bank statement of last 12 months
Gumasta license
Salary slips of last 6 months
Passport
1-year Bank statement for NRE/NRO Account
CDC (Continuous Discharge Certificate)
Last 3 years contract copy
Form 16 for 2 years with computation
Sanction Letter / Account Statement of running loans and bank statements reflecting loan repayments
Bank statement for payment made to the builder (Own Contribution)
In case of recent employment, submit Form 16
If the property is decided then submit a photocopy of property title documents.
Home Loan Processing Fees & Charges
Sammaan Capital offers competitive processing fees for home loan approval, along with
additional charges for transactions like balance transfer. Other fees include dishonored payment,
late payment, document retrieval, and specific property-related activities
Processing Fees
0.50% onwards of loan amount
Database Admin Fee (Including Taxes)
INR 650/- (plus applicable taxes and other bona fide levies, if any)
Transaction handling charges in balance transfer/ resale loans
INR 2000/-
Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges
INR 3000/-
Stamping charges of loan agreement
As per actual, subject to state laws - to be borne by the borrower
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc.
As per actual, subject to state laws - to be borne by the borrower
Registration charges for borrowers’ NACH / ECS mandate (loan repayment)
NIL
Cheque / NACH / ECS dishonor charges and/or Cheque/NACH returned/ Non-payment of EMI
INR 500/-
Penal Charges
In case of payment defaults - 24% (twenty four percent) per annum on outstanding of EMI/ Pre-EMI.In case of other defaults/Event of Default - 2% (two percent) per annum on the outstanding amount of loan
Charges for physical Statement of Account/ Amortization Schedule
INR 200/-
Income tax certificate in home loans
NIL
Complaint handling charges
NIL
Property Swap Charges (Swapping is at discretion of SCL)
INR 10000/-
Charges for Reissuance of pay order/ disbursement cheque revalidation
INR 500/-
Foreclosure statement Charges
INR 500/- (Nil, if requested once in quarter)
List of Documents
INR 1000/- (Nil, if requested within initial 6 months of 1st disbursement)
Retrieval charges for copies of loan/ property document in SCL custody
INR 750/-
Charges for certified true copies of title deeds from SRO, if applicable
As per actual
Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request)
INR 5,000/- (plus applicable taxes and other bona fide levies, if any)
Repayment Mode/ Account Swap Charges
INR 500/-
Charges for non-collection of property documents beyond 30 days from the date of full repayment / settlement of the Loan
INR 500/- per month or part thereof
NeSL IU Service Charges
As per actuals charged by NeSL
ROI switch fee
Home Loan - 25% onwards of the difference between the existing and revised rate
3 Steps To Apply For A Home Loan
Easy Application
Begin your journey with just a few details. Our guided steps ensure a smooth start towards owning your dream home.
Hassle-Free Documentation
Start the documentation process effortlessly. Submit the necessary information and let us handle the rest.
Quick Sanction
Move swiftly from application to approval. Our quick sanction process ensures your dream home is just a few steps away.
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Frequently Asked Questions
Loans, eligibility, EMIs, documents, process, and support—explained simply.
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