Approved Housing Projects
Below are some of the reasons to choose a housing project approved by Tata Capital:
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Find Tata Capital Approved Projects in your city
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What are Approved Housing Projects?
Tata Capital Housing Finance assesses housing projects on legal and technical terms. The projects that pass all the benchmarks are added to our database of approved housing projects. When homeowners want to buy a property from a reputable developer, they must check for the Advanced Processing Facility number or code. This code certifies that the project has received approvals in support of its credibility. As a result, homeowners don’t need to gather the project’s legal documents from the developer.
How does Tata Capital Approve Housing Projects?
We follow the Advanced Processing Facility process for the legal and technical valuation of a project. The steps Tata Capital experts initiate include:
- Assessing the site of construction to ensure compliance with the sanction plan. It must adhere to the permitted property’s height, building’s distance from the boundary, number of units, built-up area, etc.
- Inspecting the loading factor
- Checking factors that can cause marketability issues - poor infrastructure, nearby slums or graveyards, narrow access, etc.
- Evaluating the quality of construction
- Analyzing the project’s progress
- Comparing the project’s price with the existing market rates
Apart from the steps mentioned above, our technical officer performs property identification.
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What are the Advantages of Choosing a Housing Project Approved by Us?
Choosing a Tata Capital approved housing project ensures easy home loan approval. Since the housing project has undergone the different stages of legal and technical appraisals, your housing loan application is processed faster. There is no need to perform verifications and time-consuming assessments. Moreover, selecting an approved housing project keeps you protected from future legal hassles.
Advantages of Choosing a Housing Project Approved by Us
How to Find Approved Projects in your City?
We have curated a large database of approved housing projects for you.
- You can enter the details in the three boxes on top of this page to find approved projects in your city.
- The first box requires the state in which you are searching for an approved project.
- The second box requires the city’s name.
- The third box asks for the preferred builder’s name.
- After you enter the required information, the finder will display a list of approved projects. You will see the vital information and addresses for each of these projects.
Contact your nearest Tata Capital Housing Finance Branch for more information about the approved projects in your city.
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Popular FAQs
You can get a home loan for an approved project with us by submitting some basic documents only. These include your KYC documents, photo identity proof, address proof, income proof, age proof, and a cheque for the processing fee. For the details of the exact documents, you can get in touch with our customer support executive.
We follow a stringent process for the approval of housing projects. It includes assessing the site of construction, inspecting the loading factor, checking marketability issues, evaluating construction quality, analyzing the project’s progress, and comparing the project’s price with market rates. All these steps may take significant time to complete.
Yes. You can get a pre-approved home loan if you choose to purchase a property in a housing project approved by Tata Capital. To get the list of our approved projects, you can use the search tool available at the top of this page.
Yes. You can apply for a home loan even if you are buying a non-approved property. However, the approval of your home loan is subject to successful verification and documentation. It can be a time-taking process.
All projects approved by Tata Capital have undergone several stages of legal and technical verification. We check the projects on several counts before approving them. Choosing an approved project makes you eligible to get easy approval for a home loan. On the other hand, we take zero responsibility for non-approved projects. If you apply for a home loan to buy a non-approved property, you may have to wait a little longer for the verification process.
Yes. You can apply for a home loan to buy a property in any of the housing projects approved by Tata Capital, irrespective of its location. All that you have to do is fulfill our home loan eligibility criteria and submit the required documents.
With a Tata Capital home loan, you can get financing of up to 80% of your property’s market value. The maximum and minimum home loan amount that we offer is Rs. 5 crore and Rs. 5 lakh, respectively. The maximum amount that you can borrow from us depends on factors such as your age, monthly income, credit score, etc.
Yes. You can get a home loan at a lower interest rate for a project approved by Tata Capital as compared to a non-approved property. It’s because these properties are legally and technically verified and hence, qualify for better home loan offers. Our home loan interest rates start from just 8.75%* per annum.
Yes. You can buy a property in India even if you are a Non-Resident Indian (NRI). However, you need to provide a Power of Attorney (PoA) to your representative living in India. You will also have to make sure that you abide by all the rules and regulations for NRIs laid down under the Foreign Exchange and Management Act (FEMA).
Is it necessary to have a good credit score to apply for a home loan in an approved housing project?
Although a home loan for a project approved by Tata Capital is processed easily, a good credit score is mandatory. Having a credit score of 750 or more not only increases your chances of getting a home loan from us but also enables you to secure the best deal in terms of home loan interest rate.
Yes. You can apply for a home loan even if you already own a house. However, it’s better to complete the repayment of your existing home loan amount before applying for a new one. Also, you must fulfill our home loan eligibility criteria in terms of age, monthly income, and other factors.
If an approved project has lost its approval status, it can happen due to several reasons. You must analyze everything carefully before investing in such a project. You can also get in touch with one of our representatives to know the exact reason for the removal of the approval status.
No. It is not mandatory to have a co-applicant to apply for a home loan to buy a property in a project approved by Tata Capital. However, keeping a co-applicant in your home loan application boosts your chances of getting approval and also makes you eligible for some other benefits.
The benefits of investing in a project approved by Tata Capital are:
- They are legally and technically verified
- They have the best construction quality
- They are priced as per the market rates
- You can get easy home loan approval
- You can get the best home loan interest rate
- You can choose from a vast range of projects
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