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An Instant way to fund your larger expenses
At Tata Capital, we provide home loans of up to Rs. 5 crores at affordable interest rates starting from just 8.95% per annum*. Our housing loan offerings are tailor-made for purchasing or constructing a new house. You also have the flexibility to choose your home loan amount, tenure, and EMIs as per your requirements. Plus, Tata Capital Housing Finance involves minimum documentation, instant approval, and quick processing.
Disclaimer: Home Loans are brought to you by Tata Capital Housing Finance Limited and are at its sole discretion. Terms and conditions apply.
Loan amount offered
₹ 5 lakhs to ₹ 5 crores
Loan tenure
Upto 30 years
A home loan helps you realize your dream of owning a house in India. You can apply for a home loan to buy a ready-to-move-in or an under-construction housing property, purchase a piece of plot and construct a house over it, or refinance an already-purchased residential property.
Your home loan eligibility is determined by considering several factors, including your age, employment status, employment type, monthly income, and credit score. You need to fulfill the eligibility criteria mentioned below to avail of Tata Capital housing loan finance:
Please note that this list is indicative. Your Tata Capital housing loan eligibility will depend on several other factors as well. To know your exact eligibility, you can use our online home loan eligibility calculator.
Buying a housing property involves a huge financial transaction that can run into several lakhs or even a few crores of rupees. With a housing loan, you can get up to 80% financing of your home ownership cost and repay the amount in EMIs. However, to plan your home loan repayments in a better fashion, it is crucial to know your home loan EMIs in advance.
A home loan EMI calculator is an online tool that can help you calculate the EMIs that you need to pay to repay your home loan amount. All you must do is simply enter your home loan amount, rate of interest, and duration, and your home loan EMIs would be displayed instantly.
You can avail of a Tata Capital home loan to purchase or construct a house, refinance an already-purchased house, or transfer your home loan balance from another lender. Below are the reasons to apply for a home loan with Tata Capital:
With Tata Capital, you can apply for a housing loan in more than one way:
With Tata Capital, you can apply for a housing loan in more than one way:
Your home loan EMIs would depend on several factors, including your home loan amount, applicable interest rate, and loan tenure. The best way to calculate your home loan EMIs is by using an online home loan EMI calculator. It simply asks you to enter your house loan amount, interest rate, and tenure, and then it displays your home loan EMIs within a few seconds.
With Tata Capital’s home loan EMI calculator, you can evaluate your home loan EMIs instantly and eliminate the hassles of manual calculations.
Pradhan Mantri Awas Yojana or PMAY is an affordable housing scheme launched by the Government of India in 2015. Under this scheme, the Government plans to provide an interest subsidy of up to 6.5% on home loans through a Credit Linked Subsidy Scheme (CLSS).
The beneficiaries of the PMAY scheme are divided into four categories as per their annual income:
Eligible beneficiaries under this scheme can avail of housing loans at subsidized interest rates and reduce their homeownership costs.
A home loan can help you purchase or construct your dream house without worrying about the requisite finances. At Tata Capital, we understand your housing finance requirements and provide you with the best home loan.
Some benefits of a Tata Capital Home Loan include:
Tata Capital Home Loans are tailored to help you meet all your housing finance requirements. You can use our home loans for the following purposes:
Yes, you can cancel your home loan even after it has been sanctioned. However, the lender may not refund the home loan processing fees that are charged during the home loan sanction process.
If you want to cancel your home loan after receiving your loan sanction letter, you can write to us or contact us on our helpline number. But make sure you do this well before the loan is disbursed.
Yes, you can extend your home loan tenure as long as it is within the maximum loan tenure offered by your lender. At Tata Capital, we offer home loans with maximum tenures of up to 30 years.
By extending your home loan tenure, you can reduce your EMI burden. To increase your home loan tenure, you can contact us on our customer helpline number or visit your nearest Tata Capital branch.
Some common reasons for the rejection of a home loan could be:
If your home loan application is rejected by the lender, find out the exact reason behind it. If a low credit score is responsible, take steps to improve your credit score before reapplying. Also, make sure you check your home loan application thoroughly before submitting it.
At Tata Capital, we provide two types of home loan repayment plans – Standard EMI Plan and Step-Up Flexi EMI Plan. The Standard EMI Plan allows you to pay fixed EMIs for your entire home loan tenure. On the other hand, the Step-Up Flexi EMI Plan offers greater flexibility for housing loan repayment. With the latter option, you can choose to pay lower EMIs initially and then increase them gradually as your income increases.
With Tata Capital, you can apply for a home loan in the following ways:
To apply for a Tata Capital Home Loan online, follow these steps:
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