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Like most consumers, you, too may have put off the idea of purchasing a new television for various reasons. Perhaps you’re waiting for a better discount, or perhaps, you’ve been putting off your purchase due to budgetary concerns. You couls also be waiting to replace your television simply because you may not be keen on shelling out a huge amount of money upfront. Fortunately, with Tata Capital’s consumer durable loans, you can purchase the newest LED TVs, smart TVs, and home theaters on easy EMIs. And bringing home the latest LED or smart TV on EMI can help your families come together and bond around this entertainment hub.
Purchasing televisions on EMI using Tata Capital’s consumer durable loans can prove to be beneficial to you in more ways than one. You can find some of these advantages below.
It helps you bring home the newest television sets.
You have an abundance of choice since Tata Capital has partnered with several leading stores.
You get to enjoy premium features such as vibrant picture quality with the latest technologies like 4K.
You can also purchase TVs that offer an immersive surround sound experience.
With smart TV options available on EMIs, you can even enjoy on-demand-content from Netflix and Amazon Prime.
Purchasing a TV on EMI helps defer the payments and allows borrowers to distribute the price of the product across a convenient repayment tenure.
Tata Capital’s consumer durable loans also come with the advantage of instant, on-the-spot approval.
You can buy TVs on EMIs at 0% interest rates.
We also do not levy any foreclosure charges, so you can repay your loan entirely any time you wish to.
The documentation required to avail a loan is also minimal.
To be eligible to avail of a consumer durable loan from Tata Capital, you need to fulfill the following age requirements. Mentioned below are the eligibility critetia for consumer durable loan
In case of salaried employees: Aged between 21 and 60 years
In case of self-employed: Aged between 21 and 65 years
Salaried and self-employed applicants can avail of a loan ranging from Rs. 10,000 to Rs. 5 lakhs. The repayment tenure can range from 6 months to 24 months.
Tata Capital is extremely particular about ensuring that you aren’t burdened with the responsibility of providing extensive documentation. All we require from you are basic KYC documents, as listed below.
Proof of identity and residence
One cancelled cheque
One recent passport-size photo
An ECS mandate that has been signed by the applicant
A security cheque that’s non-dated, with the loan amount filled in, given in favor of TCFSL
No-cost EMIs are essentially equated monthly installments that are arrived at by dividing the loan amount (in this case, the cost of purchase) by the number of months in your repayment tenure. The term “no-cost” refers to 0% interest on the principal amount.
The right EMI option is one that does not cause you any added financial distress. To figure out the best repayment option for your loan, you need to factor in your existing liabilities and expenses and your current financial situation. Use our EMI calculator to get a better idea of how much you’ll need to repay each month.
For loan amounts up to Rs. 1.5 lakhs, we offer instant, on-the-spot loan approval.
Our consumer durable loan is an unsecured financial product. This means that we do not require any collateral from you when you apply for a loan. However, to ensure the applicant’s creditworthiness, we do look at the credit history before approval. So, it’s important to ensure that you have a clean credit profile to enjoy faster approval of your loan request.