Home Loan Eligibility And Documents

Home Loan Eligibility
 
  • You have to meet some basic conditions to get the Home Loan. You can use our Home Loan Eligibility Calculator to find out your eligibility. At Tata Capital, we believe in extending a home loan with minimal paperwork, reasonable interest rate and flexi EMI plans. In order to be eligible for Home loan, you have to meet a few basic criteria. You should be between the age of 24 and 65 (at the time of completion of the Home Loan).
 
  • If you are a salaried individual, you should earn minimum ₹ 30,000 per month and should have two years of work experience.
Documents required for Home Loan
Age Proof

A Copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card & School Leaving Certificate

Photo Identity Proof

A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card

Address Proof

A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID

Salary Slips

A Copy of your Salary slips for the last three months / Appointment letter / Yearly increment letter / Certified true copy of Form 16

Income Proof

A copy of your Salary account bank statements for the last six months

Existing Loan Details

Existing loan details should be provided through bank statements

Processing Fee Cheque

To be issued from the salary account for Salaried customer or the business account in case of Self

Home Loan Eligibility

 

  • You have to meet some basic conditions to get the Home Loan. You can use our Home Loan Eligibility Calculator to find out your eligibility. At Tata Capital, we believe in extending a home loan with minimal paperwork, reasonable interest rate and flexi EMI plans. In order to be eligible for Home loan, you have to meet a few basic criteria. You should be between the age of 24 and 65 (at the time of completion of the Home Loan).  
  •  
  • In case you are an entrepreneur, you should have three years of experience in your current field.
Documents required for Home Loan
Age Proof

A Copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card & School Leaving Certificate

Photo Identity Proof

A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card

Address Proof

A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID

Business Proof

A copy of the last two years' Income Tax Returns / your Business profile on letter head / Registration certificate for business commencement

Income Proof

A copy of the last three years' Profit & Loss (P/L) Projection Statement / Operative current account statement for the last six months / Bank statements for the last six months of CC/OD facilities, if taken.

Existing Loan Details

Your existing loan details should be provided through bank statements

Processing Fee Cheque

To be issued from your business account

Home Loan Eligibility
 
  • You have to meet some basic conditions to get the Home Loan. You can use our Home Loan Eligibility Calculator to find out your eligibility. At Tata Capital, we believe in extending a home loan with minimal paperwork, reasonable interest rate and flexi EMI plans. In order to be eligible for Home loan, you have to meet a few basic criteria. You should be between the age of 24 and 65 (at the time of completion of the Home Loan). 
  •  
  • If you are a salaried individual, you should earn minimum ₹ 30,000 per month and should have two years of work experience. In case you are an entrepreneur, you should have three years of experience in your current field.
Documents required for Home Loan
Age Proof

A Copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card & School Leaving Certificate

Photo Identity Proof

A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card

Address Proof

A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID

Salary Slips

A copy of your pay slips for the last six months along with employment stability documents such as appointment letter/previous employment history

Income Proof

Overseas salary account details for Indian NRE/ NRO account statements for the last six months

Credit Report

NRI applicants should submit a Credit Report of their current country of residence, wherever it is applicable as per Tata Capital norms.

Existing Loan Details

Existing loan details should be provided through bank statements

Processing Fee Cheque

To be issued from the salary account for Salaried customer or the business account in case of Self

4 reasons why you deserve the Home Loan

Home is a good investment for your future

Home buying is not just fulfilling your immediate need, but it is also a good investment as the property value increases over the years. Whether it is a plot, home or apartment you want to invest in, it will provide better returns over the course of time. This is one investment that will continue to pay dividends for the rest of your life.

Fix anything that’s broken

Over the years, even the best of homes end up suffering through a little wear and tear. Show your home a little love and fix all the little leaks and creaks through Home Loan.

Upgrade to make it Eco friendly

A lot of home owners now upgrade their homes in an effort to reduce their carbon footprint. With just a few upgrades, you will be setting a great example for your children and neighbours.

Because you deserve a place to express yourself

Your home is where you and your loved ones find a sanctuary away from the hustle of the outside world. Why would you want to compromise on that? Turn your children’s room into a fantasy playground or get yourself more space by adding a room.

PMAY Calculator

Balance Transfer Top Up Calculator

Eligibility Calculator

Area Conversion Calculator

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