
Home Loan
- Get up to Rs. 7.5 Crore* | Digital Application Process | Instant Provisional Sanction | Minimal Documentation
Tata Capital offers housing loans up to ₹7.5 crores* with an attractive interest rate starting from just 7.99% 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.
Loan amount offered
Up to ₹7.5 crores*
Loan tenure
Upto 30 years
Interest rate starting @
7.99%* p.a.
Discover Home Loan Interest Rates and Charges below
Particulars | Salaried | Self-Employed |
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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 | 7.99% per annum | Starting rate @8.35% |
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 |
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 |
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Applicants aged 21–65 years are eligible |
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Stable income required. Use our EMI or home loan eligibility calculator for details. |
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5-30yrs |
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Open to salaried employees, self-employed professionals, and entrepreneurs. |
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A good credit score is essential for loan approval, reflecting financial discipline and creditworthiness. |
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:
Enter your basic details
Check your eligibility
Pay the processing fee
Upload Documents
Get Provisional Sanction
Adding a co-applicant to your home loan can improve your chances of approval and help you qualify for a higher loan amount. Lenders consider both applicants’ incomes, which strengthens your eligibility.
A co-applicant can also help you get a better interest rate, especially if they have a good credit score. You can share the repayment responsibility, reducing the EMI burden on a single income.
Both applicants can claim tax benefits under Sections 24 and 80C of the Income Tax Act, making it a financially smart choice for joint homeowners.
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.
We provide different types of housing loans for different needs like – Home extension loan, loan for self-construction, affordable housing loan, top-up etc.
A co-applicant in a home loan can typically be a spouse, parent, sibling, or child, sharing the loan's responsibility and benefits.
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.
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:
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.
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.
The EMI depends on the interest rate and loan tenure. For example, at an 7.99% interest rate over 20 years, use an EMI calculator for precise figures.
Most lenders do not offer 100% financing. Generally, you need to make a down payment of 10-20% of the property value.
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.
Tata Capital home loan processing fee is 0.5%.
Factors include your income, credit score, employment stability, age, existing liabilities, and the property's value.
Home loan insurance is not mandatory but is recommended for financial security.
You can track the status using your application reference number through the lender's online portal, customer service, or mobile app.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
To apply for home loan, you need to submit income tax returns, salary slips, and bank statements. These documents help assess your repayment capacity and support your eligibility for tax benefits.
To improve your credit score, pay EMIs on time, avoid multiple loan inquiries, and reduce credit card balances. A high credit score increases your chances of faster home loan approval and may help you get better interest rates and a smoother approval process.
Banks offer multiple financial services, while housing finance companies specialise in loans for homebuyers. Both are regulated but may differ in eligibility norms, turnaround times, and customer experience. Tata Capital is a home loan lender offering tailored solutions with quick processing and flexible repayment options.
Housing finance refers to the financial services used to buy, build, or renovate a houses and residential properties. It includes home loans offered by banks and housing finance companies. Tata Capital provides customised housing loan solutions with attractive interest rates, long tenures, and minimal paperwork.
Once all documents are submitted, home loan approval from Tata Capital is typically granted on the spot. The loan is then disbursed within 3 to 5 business days, subject to successful verification of personal, income, and property-related details.
Tata Capital offers instant home loan online approvals with minimal documentation. If your details and documents are in order, your housing loan can be approved within 48 hours, making it one of the quickest ways to secure funding for your property.
You can apply for home loan online through Tata Capital’s website. The digital application process is easy and fast, with features like EMI calculators, instant eligibility checks, and document uploads to help you complete the process without visiting a branch.
While Tata Capital offers home loan finance up to ₹7.5 crores, the exact loan-to-value ratio depends on eligibility. Most loans cover 75-90% of the property cost. A strong financial profile improves your chances of securing up to 90% funding.
There is currently no 0% home loan offer from Tata Capital or other regulated lenders. All home loans in India come with an interest component. However, you can still benefit from competitive rates, minimal fees, and flexible terms with Tata Capital.