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FOR FORECLOSURE CASES: Foreclosure cheque and request for Foreclosure Statement, List of documents will be accepted from 2nd to 24th day of the month (excluding Saturday, Sunday and public holidays) and will not be accepted/issued from 25th day of the current month to 1st day of the next month.

ABOUT HOME LOANS

Tata Capital’s Home Loan offerings are tailor-made for purchasing a home or constructing one. We also offer to transfer your home loan balance. Tata Capital home loans extend from Rs. 5 lakhs upto Rs. 5 crores and start at an affordable interest rate of just 6.90%*. You can choose the home loan amount, tenure, and the EMI period as per your convenience. And what’s more is that our home loan processing involves minimum documentation and is easy and seamless. Moreover, our years of experience in the industry make us the reliable home loan provider you have been looking for!

Disclaimer: Home Loans are brought to you by Tata Capital Housing Finance Limited and are at its sole discretion. Terms and conditions apply.

KNOW MORE ABOUT OUR OFFERINGS

Key Features

Loan Amount

₹5,00,000 - ₹5,00,00,000

Loan Tenure
Up to 30 years
Interest rates starting at

6.90%*

Advantages

Wide Range of Home Loans
Tata Capital Home loans allows you to do much more than just buy a property – purchase a plot of land for construction, home extension, balance transfer and much more!
Attractive Home Loan Interest Rates

A simple, low cost home loan with interest rate starting from 6.90%*. So that you can get into your new home sooner!

Highest Home Loan Eligibility
Why settle for less when you are deciding on your home? Take advantage of the home loan eligibility calculator. Calculate your housing loan eligibility in seconds.
Easy Repayment
We make home buying easy, from the first click to turning the key. You can start your repayment tenure with lower EMI’s and pay more as your income grows.
Wide Range of Home Loans
Tata Capital Home loans allows you to do much more than just buy a property – purchase a plot of land for construction, home extension, balance transfer and much more!
Attractive Home Loan Interest Rates

A simple, low cost home loan with interest rate starting from 6.90%*. So that you can get into your new home sooner!

Highest Home Loan Eligibility
Why settle for less when you are deciding on your home? Take advantage of the home loan eligibility calculator. Calculate your housing loan eligibility in seconds.
Easy Repayment
We make home buying easy, from the first click to turning the key. You can start your repayment tenure with lower EMI’s and pay more as your income grows.

DOWNLOAD OUR DIGITAL LOAN APPLICATION FORM

To facilitate a contactless loan application process, you can download our editable Loan Application Forms* here. Fill in the fields & send it to our Tata Capital Housing Finance Executive.

*To edit the pdf, ensure that you have Adobe Reader Version 11 installed on your device. To download the Instruction Manual, click here.

What is a Home Loan?

A home loan, also known as a housing loan is simply the sum of money borrowed from a lender to purchase a home or to construct one. Home loans can also be taken for extension of existing homes. Home loans are available in both fixed and adjustable interest rates, and payment terms. There are several types of home loans available:

  • For purchase of residential property

  • For construction of a residential property

  • For purchase of land

  • For home expansion

  • For balance transfer

How Does a Home Loan Work?

Loan Amount

Loan amount is the principal amount of money that you are eligible to borrow for your home. The home loan amount that you can borrow will largely depend on your home loan eligibility calculated on the basis of several factors – CIBIL score, employment type, income, among others. To determine your home loan eligibility, all we will need is your documentation proofs. 

Loan Disbursal

A home loan amount is said to be disbursed when the amount is transferred to your bank account after checking your eligibility and documentation proof. 

EMI Repayments 

A month following the day on which you received full loan disbursement, your Equal Monthly Instalment will start. To repay your home loan amount, you need to shell out equal, fixed amounts on a monthly basis to repay your home loan.

Loan Closure

A loan is closed when you pay your EMIs up until your loan tenure, paying off the principal amount and the interest. Generally, home loans are to be paid off within the tenure or term for which they were taken but foreclosure or prepayment of home loans can be made. In case of floating interest rates, no charges will be applicable for prepayment but in case of fixed interest rates, charges may apply. 

If you do not prepay your loan, you will have to faithfully pay your EMIs up until your loan tenure is over following which a loan closure will take place. Meaning, your books of home loan will be closed.

Are you Eligible for a Home Loan?

Your home loan eligibility will be determined based on the following criteria – 

  • You must be between the ages of 24 and 65 
  • Salaried employees must have a minimum salary of Rs. 30,000 and at least two years of work experience 
  • Self-employed individuals must have at least three years of work experience in their current field
  • In case of NRIs or Non-Resident Indians; they should be salaried individuals having at least three years of work experience

What are the Documents Required to Apply for a Home Loan?

Documents Required for all Home Loan Applicants

The following are the accepted documents for a home loan application. An applicant needs to produce only one/two from each of the following category -

  • Age Proof – Valid Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, School Leaving Certificate 
  • Photo Identity Proof – Voter ID Card, Valid Passport, Driving License, Aadhar Card, PAN Card
  • Address Proof – Utility Bills, Bank Statements, Property Registration Documents, Property Tax Receipt, Voter ID Card 
  • Business Proof – Registration Certificate for Commencement of Business, your Business Profile on letter head, copy of the last two years’ Income Tax Returns
  • Income Proof – Last six months’ operative current account statement, copy of the last three years’ P/L Projection Statement, Bank Statements for the last six months of CC, OD facilities (if taken)
  • Existing Loan Details – to be provided via bank statements
  • Processing Fee Cheque – to be issued from your business account 

 

Read on to know more about the Eligibility and Documents required for Home Loan

What is a Home Loan EMI Calculator?

Since housing loans are generally huge amounts, paying them in EMIs or Equal Monthly Instalments helps in evenly distributing the loan burden. Calculating EMI manually is often confusing as a result of which people often end up with the wrong results. A Home Loan EMI calculator is a simple online tool to instantly calculate the Equal Monthly Instalments that you need to make to repay your home loan. A home loan EMI calculator can give an accurate answer within seconds. 

4 reasons why you deserve a Home Loan

Home is a good investment for your future

Home buying is not just fulfilling your immediate need, but it is also a good investment as the property value increases over the years. Whether it is a plot, home or apartment you want to invest in, it will provide better returns over the course of time. This is one investment that will continue to pay dividends for the rest of your life.

Fix anything that’s broken

Over the years, even the best of homes end up suffering through a little wear and tear. Show your home a little love and fix all the little leaks and creaks through Home Loan.

Upgrade to make it Eco friendly

A lot of home owners now upgrade their homes in an effort to reduce their carbon footprint. With just a few upgrades, you will be setting a great example for your children and neighbours.

Because you deserve a place to express yourself

Your home is where you and your loved ones find a sanctuary away from the hustle of the outside world. Why would you want to compromise on that? Turn your children’s room into a fantasy playground or get yourself more space by adding a room.

How to Apply for a Home Loan

You can reach out to us in various ways to apply for a home loan:

  • Online

You can easily apply for a housing loan online by just filling up your basic details.

  • Visiting our Branch

Another way to apply for a home loan is to visit one of our country-wide branches and our executives will walk you through the entire process.

  • Through the phone

Applying for a home loan with Tata Capital is just a phone call away! Simply contact us at 1860 267 6060 and we will guide you through the process.

  • Through a Virtual assistant

You can even apply for your home loan with the help of a loan processing virtual assistant.

Application Process

Online Application

You can apply for a home loan by just filling up your basic details.

Document Submission

Post receiving your home loan eligibility, furnish the required documents to take your application ahead.

Verification

We will verify your home loan application & submitted documents

Inspection of Property

 Our expert visits the premises and property you intend to purchase.  

Approval

Post approval, the loan is sanctioned.

Disbursal

Receive the required home loan in your bank account - it's that simple!

5 reasons why we are the right fit for you and your home

We care about you

We offer Home Loans to meet your fund requirements without bothering you with too many formalities other than the statutory requirements as prescribed by law. 

We offer attractive Home Loan interest rates

Our home loan interest rates are competitive and affordable. We let you tailor everything according to your convenience and ability to repay.