HOME LOAN

ABOUT HOME LOANS

If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate of 9.25% with a tenure up to 30 years. Whether it’s for home purchase, construction or balance transfer, leverage our experience to work for your home loan needs. We have designed tools and calculators to ensure you have a seamless home buying experience. 

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Key Features
Loan Amount

₹2,00,000 - ₹5,00,00,000

Loan Tenure
Up to 30 years
Interest rates starting at

9.25%

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 9.25%. 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 9.25%. 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.

Home Loan Eligibility

You need to meet some basic conditions to be eligible for a Home Loan. A general Home Loan eligibility criteria is to be at least 24 years, and below 65 years. Check other Home Loan eligibility factors.

Home Loan Calculators

Home Loan EMI calculator helps you understand the EMI that you will pay towards the principal payments and interest payment over the loan tenure. With Tata Capital, enjoy the convenience to customize your EMIs, or lower your EMIs as your income grows. Use the Home Loan EMI calculator to know how much money you can pay monthly over a period of time that’s comfortable for you. Calculate your EMIs now.

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!

Fees and Charges

When you apply for a Home Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure charges, or delayed Home Loan EMI Payments, all information is transparently-provided for smooth processing of your home loan. Get a comprehensive breakdown of Home Loan Fees and Charges on home loans.

EMI options

Choose the right EMI option for you as per your timeline and income. Know more about our available Home Loan EMI options.

HOME ASSISTANCE TOOLS

Process Guidance Tool

This tool provides contextual guidance to the Buyer with respect to the steps to be followed while transacting on a Builder Property.

Buying Affordability Tool

This Tool guides the user with their overall Property budget and Property price they should look for based on their loan eligibility and cash in hand. It also suggests them the localities they can afford with the given budget.

Property Search Tool

This Tool facilitates the user to search for his desired property in all renowned property portals at one go.

Document Checklist Tool

This tool guides the user with his max loan eligibility and the right loan product within the FI's product offerings.

TDS Filing Guidance Tool

This tool guides the user with his max loan eligibility and the right loan product within the FI's product offerings.

PLANNING TO TAKE A LOAN?

Watch this video to find out more about Tata Capital Home Loans. Owning a home is one of the biggest milestones in life. We at Tata Capital believe in making this possible for everyone through our tailored Home Loans. With us by your side, we will help you unlock the door to your new home.

FAQ

You can take Home Loan for the following purposes:

  • Buy a plot of land or property and construct a house on it.
  • Buy an already constructed house or apartment.
  • Renovate your home (Home Improvement) or home repairs.
  • Add new built-up area to an existing house (Home Extension).

Maximum of 30 years is provided to repay a loan. This is subject to retirement age of the borrower or 65 years in the case of self-employed applicant. 

Our interest rates begin from 9.25% and are highly competitive. We offer concessional interest rates to women beneficiaries. Additionally, we provide subsidized home loans to low income groups under PMAY subsidy.  

Our turnaround time is quick. We have a dedicated team of Credit Managers to respond on time. Once we receive your file, we give you a confirmation by issuing a Sanction Letter. If you are a Salaried Employee, your loan will get sanctioned within 4-5 days. If you are Self-Employed, it may take us about 7-8 business days.

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WHY CHOOSE US

CUSTOMIZED PRODUCTS
MINIMUM DOCUMENTATION
EASY APPLICATION PROCESS
STRONG AFTER SALES SERVICE

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