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Home Loan for Government Employees by Tata Capital

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 8.70% 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 @

    8.70%* p.a.

Advantages of Tata Capital Home Loan for Government Employees

Affordable Interest Rates

Our government employee home loan interest rates start from just 8.70% per annum*. Moreover, we can provide the best home loan for Government employees depending on their credit scores, income, and eligibility. 

Easy Eligibility & Documentation

We provide home loans for Government employees with easy eligibility criteria and minimal documentation. All you need to do is fulfill some basic eligibility requirements in terms of age, monthly income, and work experience.

Flexible Tenure

We offer flexible tenures of up to 30 years. It means that you can choose a convenient tenure for your home loan as per your repayment capability. You can also choose from multiple repayment options for added convenience.

Instant Approval & Quick Processing

At Tata Capital, we understand the urgent housing finance requirements of our customers, and hence, we provide instant approvals for home loan applications. As a government employee, you can apply for a housing loan for govt employees and get the money in your bank account in three to four working days.

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Eligibility Criteria for Home Loans for Government Employees

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

Why Should you Apply for a Home Loan for Government Employee?

As a government employee, you can apply for a home loan with Tata Capital to meet all your housing finance requirements. Here’s why our home loan for Government employees is the best option for you:

Loan for Purchase or Construction

You can use our home loan for govt employees to purchase a ready-to-move-in housing property or construct a house on a piece of land or plot. Additionally, you can apply for our home loan for the balance transfer, top-up loan, refinancing, and much more.

Improve or Renovate your House

You can also avail of our housing loan for Government employees to improve or renovate your existing house. For example, you may add new spaces to your living room, fix anything that’s broken, or upgrade your house to make it more eco-friendly.

Make an Investment for your Future

Real estate properties are one of the best investment avenues in India. You can take our home loan for govt employees to invest in a real estate property. Such an investment can yield you very good returns in the future and help you meet your long-term financial goals.

Provide the Best Gift to your Loved Ones

The best gift that you can give to your spouse, parents, or kids is a roof over their heads. By availing of a home loan for a government employee, you can fulfill this dream of your loved ones even if you don’t have the requisite finances.

How to Apply for a Home Loan for Government Employees?

How to Apply for a Home Loan for Government Employees?

At Tata Capital, you can apply for a housing loan for govt employees in more than one way:

  • Branch

    You can visit your nearest Tata Capital branch to apply for a housing loan. Our executives there will guide you through the entire process.

How to Apply for a Home Loan for Government Employees?

At Tata Capital, you can apply for a housing loan for govt employees in more than one way:

  • Online

    You can visit our website and apply for a home loan online in a few simple steps.

  • Phone Call

    You can simply dial 1860 267 6060 to apply for a home loan through your phone.

  • Virtual Assistant

    You can take the help of our virtual assistant to apply for a home loan.

Steps to Apply for a Home Loan Online

Below are the steps to apply for a Tata Capital Home Loan online:

1

Fill online form

Fill out our online home loan application form.

2

Upload documents

Upload the required documents.

3

Expert Inspection

Wait for the property inspection by our experts.

4

Loan disbursal

Get the home loan amount in your bank account.

More Home Loan products for you

Home Loan for government employees

With Tata Capital, you can apply for a home loan for government employees in a few easy steps and get housing finance at competitive interest rates.

Home Loan for self-employed

With Tata Capital, you can apply for a home loan for self employed in a few easy steps and get housing finance at competitive interest rates.

Home Loan for women

With Tata Capital, you can apply for a home loan for women in a few easy steps and get housing finance at competitive interest rates. 

What our customers say about us

I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.

Sumeet Verma

Home Loan | 14 March, 2022

The submission of my home loan application was very simple and easy. Even the documentation process was very simple and ended in very less time.

Yukta Jaiswal

Home Loan | 11 March, 2022

The customer support service is good as they responded to my queries without any wait time. With their help, my home loan was approved in very less time.

Rashmi Singhania

Home Loan | 28 February, 2022

I got my home loan approved from Tata Capital. The reason behind going with Tata Capital home loan is they were offering home loan at best price and zero processing fee.

Aman Malik

Home Loan | 18 February, 2022

The rate of interest is moderate. Pre closure is applicable but there is locking period. Their customer service is very good.

Amiya Ranjan Swain

Home Loan | 20 October, 2021

The home loan was sanctioned on time and I easily uploaded the documents through online.

Rajesh Jain

Home Loan | 20 October, 2021

Interest rate is a bit high when I compared to Government banks, but processing time and charges for my home loan were less. Loan was sanctioned soon as well.

Manoj Kumar Mishra

Home Loan | 20 October, 2021

The process for my housing loan was immediate. Interest rates were normal at X%. The documentation process was hassle free. What else can I expect!?

Kundan Meher

Home Loan | 20 October, 2021

The processing fee was nominal for my home loan. It was processed hassle free. I am satisfied with the service.

Sridhar Pillai

Home Loan | 20 October, 2021

Find the right Loan for you

Affordable Housing Loan

  1. At Tata Capital, we believe that every single person, regardless of their financial background, deserves a home to call their own.

With this vision, Tata Capital Housing Finance offers affordable home loans at competitive interest rates. 

Affordable Housing Loan Affordable Housing Loan

Home Extension Loan

  1. As the years go by and your family continues to grow, does your house feel smaller?

Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.

Home Extension Loan Home Extension Loan

Home Loan for Self-Construction

Instead of buying a ready-to-move-in house, you can choose to purchase a piece of land and construct your house on it brick by brick. 

A home loan for self-construction or simply a home construction loan is a special type of home loan given to help borrowers construct their own house on a piece of land or plot.

Home Loan for Self-Construction Home Loan for Self-Construction

Home Loan Top-up

A home loan top-up is a facility offered by lenders under which a borrower can take an additional loan over and above their existing home loan.

The home loan top-up facility is available only for existing home loan borrowers without the need for any additional security or guarantee.

Home Loan Top-up Home Loan Top-up

Home Loan Overdraft

At times, you may need additional funds to tackle your personal or business expenses. 

With Tata Capital’s home loan overdraft facility, you can avail of a home overdraft loan limit of up to Rs. 2 crores. You can withdraw funds from this overdraft housing loan limit as per your needs and then pay it back at your convenience.

Home Loan Overdraft Home Loan Overdraft

Quick Cash

Quick Cash loan is a unique Pre-Approved personal finance top-up linked to your existing Tata Capital Housing Finance Limited (TCHFL) loans. This loan is only for existing TCHFL Home Loan and Home Equity customers.

Apart from its unique features, it also offers other advantages such as faster processing, and a paperless journey, notwithstanding that all this could be availed in just a few clicks at your convenience any day 24*7.

Quick Cash Quick Cash

Balance Transfer

  1. A home loan balance transfer, or simply a home loan transfer, takes place when you transfer your outstanding home loan amount to a new lender from your existing lender.

With Tata Capital Home Loan Balance Transfer, you can transfer your outstanding home loan balance to affordable interest rates. Our home loan interest rates start from just 8.70% per annum*.

Balance Transfer Balance Transfer