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. 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.

 

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

₹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

To be eligible for a Home loan, you should be above 24 years of age at the time of borrowing and 65 at the time of completion of the Home Loan. If you are a salaried individual, you should earn at least ₹ 30,000 per month and have a minimum of two years of experience. In case you are an entrepreneur, you should have 3 years of experience in your current field. 

Find out more about Eligibility and Documents for more details.

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 Home Loan EMI now. Also, check other calculator options available

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!

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.

6 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. 

We’re flexible

Our Home Loan lets you choose the loan amount, tenure and EMI period for which you need the loan. 

We are not going to make you run around

We only ask for minimal documentation to process your application. We just need some mandatory information like the source of your income and the purpose for the housing loan.

We provide tailor made loans

Our personalised approach gives us the edge and has left countless of our customers satisfied. You are not just an application form to us. We understand that one size doesn’t fit all. 

We’ve been in the industry for a long time

This means we understand your needs and we will tailor our services to your needs. If you look good, we look good too.  

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.

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.

Find the right loan for you

WHY CHOOSE US

CUSTOMIZED PRODUCTS
MINIMUM DOCUMENTATION
EASY APPLICATION PROCESS
STRONG AFTER SALES SERVICE

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