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New-age digital cameras are equipped with state-of-the-art features such as pivoting touchscreens, guided screen options, image stabilization, and continuous shooting support. It’s no wonder that these traditional camera systems have always outperformed smartphone cameras. Despite the host of innovative features incorporated in the latest DSLR units, the high initial cost of making this purchase is a limiting factor for most consumers. Fortunately, with the customer-centric consumer durable loans from Tata Capital, you can buy a camera on EMI and distribute the cost of the product across a convenient repayment tenure.
Tata Capital’s consumer durable loans offer a host of benefits for consumers seeking to purchase a DSLR on EMI. A few of these benefits are:
Access to the newest cameras available in the consumer market
Freedom to purchase cameras with new-age technologies that support image stabilization, auto-focus, and high sensitivity in low-light conditions
No restriction on the number and the quality of choices available
Reduced financial burden by means of easy EMIs
Quick approval and disbursement of loans
Basic and minimal documentation
If you wish to buy a camera on EMI, you are required to satisfy certain eligibility criteria for consumer durable loans in order to avail a consumer durable loan from Tata Capital. These requirements are as follows.
The minimum age requirement to avail a consumer durable loan is 21 years.
The maximum age requirement for salaried consumers is 60 years.
For self-employed consumers, the upper age limit is 65 years.
The minimum amount of loan that can be availed is Rs. 10,000.
The maximum amount of loan that a consumer can apply for is Rs. 5 lakhs.
The minimum loan tenure is 6 months, while the maximum tenure is capped at 24 months.
Applying for Tata Capital’s consumer durable loans is easy. You only need to submit the following list of basic documents to get the process started.
Proof of identity and address
A cancelled cheque leaf
A recent passport-sized photograph of the applicant
An ECS mandate signed by the consumer
A cheque with the date field left blank, mentioning the full amount of the loan, payable in favour of TCFSL
Tata Capital’s consumer durable loan is an unsecured borrowing. So, we do not require any collateral, mortgaging or security of any kind.
Applicants who are self-employed can apply for a loan between the ages of 21 and 65. Salaried employees can apply for a loan if they’re aged between 21 and 60.
Since Tata Capital offers you a no-cost EMI scheme, you are not charged any interest on the purchase price whatsoever. You only need to pay the cost of the product.
Users need not provide a copy of the invoice given for the purchase. In fact, we encourage our borrowers to retain a copy of their invoice for their own use.