Home Loan
Apply for a Housing Loan of Upto 7.5 Crore at 8.75%* p.a Tenure Upto 30 years
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Get Home Loan Online Up to ₹7.5 Crores*
Tata Capital offers housing loans up to ₹5 crores* with an attractive interest rate starting from just 8.75% per year. Enjoy a seamless online application process, minimal documentation, and instant provisional sanction. With loan terms of up to 30 years, Tata Capital ensures your journey to homeownership is smooth and stress-free.
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Loan amount offered
Up to ₹7.5 crores*
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Loan tenure
Upto 30 years
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Interest rate starting @
8.75%* p.a.
Features and Benefits of Tata Capital Home Loan
Home Loan Eligibility Criteria
Step closer to owning your dream home. Tata Capital offers home loans with simple eligibility criteria and a smooth application process. Review the requirements below and take the next step today.
| Eligibility Criteria | Details |
|---|---|
| Age Specifications | Applicants aged 21–65 years are eligible |
| Income Criteria | Stable income required. Use our EMI or home loan eligibility calculator for details. |
| Loan Tenure | 5-30yrs |
| Employment Profiles | Open to salaried employees, self-employed professionals, and entrepreneurs. |
| Credit Health | A good credit score is essential for loan approval, reflecting financial discipline and creditworthiness. |
Documents Required for Home Loan
Availing a home loan requires providing documents to verify your identity, income, and the details of the property. This helps us process your loan smoothly and tailor it to your needs. Here are the documents you need:
- Identity proof or KYC documents such as Aadhaar card, Passport
- Proof of residence
- Salary slips, Bank statements, ITR for proof of income
- Property documents or sales deed
Housing Loan Fees & Charges
Discover Home Loan Interest Rates and Charges below
| Particulars | Salaried | Self-Employed |
|---|---|---|
| Loan amount | ₹ 5 lakhs to ₹ 7.5 crores | ₹ 5 lakhs to ₹ 7.5 crores |
| Loan tenure | Up to 30 years | Up to 30 years |
| Interest Rate | 8.75% per annum | Starting rate @ 8.85% |
| Required documents | ||
| Online Eligibility Check | ||
| Eligibility criteria | Min. salary of Rs. 30,000 with at least 2 years of work experience | 3 years of experience in the same business |
| Co-applicant tax benefit | Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C | Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C |
| Processing fees | Starting @ 0.10% of Loan Amount + GST | Starting @ 0.20% of Loan Amount + GST |
| Foreclosure Charges | No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds | No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds |
| Delayed EMI Payments | 2.00% P.M. (24.00% P.A.) on the defaulted amount | 2.00% P.M. (24.00% P.A.) on the defaulted amount |
| Other Charges |
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How to Apply for Home Loan in Just 5 Steps
Step 1
Enter your basic details
Step 2
Check your eligibility
Step 3
Pay the processing fee
Step 4
Upload Documents
Step 5
Get Provisional Sanction
House Loan Repayment Options
Here’s an breakdown of Tata Capital's house loan repayment options:
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Know MoreHome Loans for Different Budgets
- ₹10 Lakhs Home Loan
- ₹12 Lakhs Home Loan
- ₹15 Lakhs Home Loan
- ₹25 Lakhs Home Loan
- ₹30 Lakhs Home Loan
- ₹35 Lakhs Home Loan
- ₹40 Lakhs Home Loan
- ₹45 Lakhs Home Loan
- ₹50 Lakhs Home Loan
- ₹60 Lakhs Home Loan
- ₹65 Lakhs Home Loan
- ₹70 Lakhs Home Loan
- ₹75 Lakhs Home Loan
- ₹80 Lakhs Home Loan
- ₹85 Lakhs Home Loan
- ₹90 Lakhs Home Loan
- ₹1.5 Crore Home Loan
- ₹2 Crores Home Loan
- ₹2.5 Crores Home Loan
- ₹3 Crores Home Loan
- ₹4 Crores Home Loan
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What Our Customers Say About Us
FAQs on Home Loan
What is Home Loan?
A home loan is money one can borrow from a bank or a lender to buy a house or an apartment. Instead of paying for the whole property upfront, you can pay back the loan in smaller amounts over time.
What are the different types of housing loans?
We provide different types of housing loans for different needs like – Home extension loan, loan for self-construction, affordable housing loan, top-up etc.
Who can be a co-applicant for Home Loan?
A co-applicant in a home loan can typically be a spouse, parent, sibling, or child, sharing the loan's responsibility and benefits.
What is the maximum limit for a home loan I can apply for?
At Tata Capital, you can avail home loans ranging from ₹ 5 lakhs upto ₹ 5 crores. To get a more personalised estimate of the amount you can borrow based on your unique financial profile, we encourage you to use our home loan EMI calculator or check our home loan eligibility criteria. Additionally, for any specific queries or assistance, feel free to apply online or contact our customer service team.
Can I avail of two house loans at the same time?
Yes, it is possible to avail of two home loans at the same time, but there are certain conditions and eligibility criteria that you should be aware of. Availing of multiple home loans simultaneously typically involves meeting specific financial and creditworthiness requirements. Here are some key points to consider:
- Financial Eligibility: Lenders will assess your financial situation to determine if you can afford two home loans simultaneously. This includes factors such as your income, credit score and existing debts.
- Loan-to-Value Ratio: Lenders often have limits on the maximum loan amount they will offer based on the property's value. You may need to make a substantial down payment if you plan to avail of two home loans simultaneously.
- Stable Income: Lenders will want to see a stable and sufficient income to cover the monthly EMIs for both home loans.
- Creditworthiness: Your credit score and credit history play a crucial role in getting approval for multiple home loans.
- Legal Restrictions: There may be legal restrictions or regulations regarding availing of multiple home loans. It's essential to check the local laws and regulations in your area.
- Repayment Capacity: Assess whether you can comfortably manage the EMIs for both home loans along with your other financial commitments.
What is the maximum duration allowed for repaying a home loan?
Regarding the maximum duration allowed for repaying a home loan, it can vary depending on the lender and the loan agreement terms. Home loans often have a maximum tenure of 30 years, but this can vary. Some lenders may offer shorter or longer loan tenures based on their policies and the borrower's eligibility.
When do house loan EMIs start?
Can I get a house loan if my salary is 15000?
Eligibility depends on various factors, including the lender's criteria. Some lenders may approve loans for individuals with a salary of ₹15,000, but the loan amount might be limited.
What is the EMI for a 20 lakh home loan?
The EMI depends on the interest rate and loan tenure. For example, at an 8.75% interest rate over 20 years, use an EMI calculator for precise figures.
Can I get a 100% house loan?
Most lenders do not offer 100% financing. Generally, you need to make a down payment of 10-20% of the property value.
What are the tax benefits on home loan?
Section 24 of the Income Tax Act allows a person to claim a tax deduction for the interest on a home loan up to a maximum of Rs. 2,00,000. You can claim this deduction if you finish building the house within five years; else, you can only claim Rs. 30,000.
What is the house loan processing fee?
Tata Capital home loan processing fee is 0.5%.
Which factors affect your home loan eligibility?
Factors include your income, credit score, employment stability, age, existing liabilities, and the property's value.
Is house loan insurance mandatory?
Home loan insurance is not mandatory but is recommended for financial security.
How to track home loan application status?
You can track the status using your application reference number through the lender's online portal, customer service, or mobile app.
How does adding a co-applicant benefit?
Adding a co-applicant boosts housing loan eligibility by combining incomes, easing repayment as responsibilities are shared, and may secure benefits like lower interest rates and higher tax deductions.
Do I need a guarantor for a house loan?
No, a guarantor is not required to apply for a home loan. As long as you meet the eligibility criteria, you can apply on your own. However, if you want to share the financial responsibility, you can opt for a joint home loan with a co-applicant. This can be your parent, spouse, sibling, or child.
How long does it take to get a home loan sanctioned?
Once you submit all the necessary documents with your application, we review your personal and property details. If everything checks out, including the property’s evaluation, approval is granted on the spot. After approval, the loan is typically disbursed within 3 to 5 business days.
Can a house loan be taken jointly in India?
You can take a joint home loan in India with co-borrowers like your spouse, parent, sibling, or child. A joint loan considers the combined income of all applicants, making you eligible for a higher loan amount. Required documents include identity proof, address proof, income proof, proof of co-ownership, and property documents.
Can I switch to a floating rate from a fixed rate during my loan tenure?
It's possible to switch between fixed and floating interest rates at any time during the loan tenure by paying a small fee. However, switching frequently may not be allowed. Since your interest rate choice affects your EMIs, it’s important to carefully evaluate your financial needs before making the switch.
Is opting for housing finance worth it?
Securing a home loan can be beneficial if you’re planning to purchase a home. It allows you to break down a large financial commitment into manageable monthly payments, reducing the immediate burden on your savings. Plus, with flexible repayment options and potential tax benefits, housing finance can help you achieve homeownership more easily.
How does a home loan work?
A home loan is a sum borrowed from a lender to buy or construct a house. The borrower repays it in monthly instalments (EMIs) over a fixed period. The lender charges interest on the loan amount, and the property remains as collateral until the loan is fully repaid.
What CIBIL score is good for a home loan?
A good CIBIL score improves your chances of getting a home loan. A high credit score can help you secure a loan at a better interest rate. Maintaining a strong repayment record can further improve eligibility.
What are the different types of home loans available in India?
At Tata Capital, we offer home loans tailored to different needs, including options for government employees, women, and self-employed individuals. These loans come with competitive interest rates and high loan amounts, making home ownership more accessible.
What are the dos and don’ts while applying for a home loan?
Some of the dos while applying for a home loan include checking the lender’s eligibility criteria, keeping all required documents ready, and reading the loan agreement carefully to understand the terms. Some don’ts, on the other hand, include applying to multiple lenders at the same time, taking on an EMI beyond your financial capacity, and missing payments.
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