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A home loan for Government employees is designed exclusively to help Government employees fulfill their dream of buying or constructing a house. If you’re employed with the Central or State Government directly or indirectly, you can apply for a housing loan for Government employees and avail of concessional interest rates, high loan tenures, and several additional benefits.
Tata Capital offers home loans for Government employees at competitive interest rates and minimal processing charges. Our home loan for government employees is available exclusively for the employees of Government organizations, including IAS and IPS officers, Armed forces, PSUs, PSBs, and the staff of Government schools and colleges, among others.
Our government employee home loan interest rates start from just 8.75% per annum*. Additionally, we have very simple eligibility criteria and require minimal documents on housing loans for govt employees.
Loan amount offered
₹ 5 lakhs to ₹ 5 crores
Loan tenure
Upto 30 years
Interest rate starting @
8.75%* p.a.
Home loan eligibility for Government employees may vary from one lender to another. It is determined by considering several factors, including the applicant’s age, monthly income, employment stability, current assets and liabilities, and the cost of the proposed house or property.
At Tata Capital, we ask for very simple eligibility requirements for providing the best home loan for Government employees:
The applicant should be aged between 24 to 65 years
The applicant should have a minimum salary of Rs. 30,000 per month
The applicant should have a work experience of at least two years
As a government employee, you can apply for a home loan to meet all your housing finance requirements. Here’s why our home loan for Government employees is the best option for you:
At Tata Capital, you can apply for a housing loan for govt employees in more than one way:
At Tata Capital, you can apply for a housing loan for govt employees in more than one way:
Below are the steps to apply for a Tata Capital Home Loan online:
Know more about Home Loans
A home loan can help you purchase or construct your dream house without worrying about the requisite finances. At Tata Capital, we understand your housing finance requirements and provide you with the best home loan.
Some benefits of a Tata Capital Home Loan include:
Tata Capital Home Loans are tailored to help you meet all your housing finance requirements. You can use our home loans for the following purposes:
Yes, you can cancel your home loan even after it has been sanctioned. However, the lender may not refund the home loan processing fees that are charged during the home loan sanction process.
If you want to cancel your home loan after receiving your loan sanction letter, you can write to us or contact us on our helpline number. But make sure you do this well before the loan is disbursed.
Yes, you can extend your home loan tenure as long as it is within the maximum loan tenure offered by your lender. At Tata Capital, we offer home loans with maximum tenures of up to 30 years.
By extending your home loan tenure, you can reduce your EMI burden. To increase your home loan tenure, you can contact us on our customer helpline number or visit your nearest Tata Capital branch.
Some common reasons for the rejection of a home loan could be:
If your home loan application is rejected by the lender, find out the exact reason behind it. If a low credit score is responsible, take steps to improve your credit score before reapplying. Also, make sure you check your home loan application thoroughly before submitting it.
At Tata Capital, we provide two types of home loan repayment plans – Standard EMI Plan and Step-Up Flexi EMI Plan. The Standard EMI Plan allows you to pay fixed EMIs for your entire home loan tenure. On the other hand, the Step-Up Flexi EMI Plan offers greater flexibility for housing loan repayment. With the latter option, you can choose to pay lower EMIs initially and then increase them gradually as your income increases.
With Tata Capital, you can apply for a home loan in the following ways:
To apply for a Tata Capital Home Loan online, follow these steps:
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