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Loan Restructuring for COVID-19 related stress
Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
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. In such a case, the lender who has originally extended the home loan gets the unpaid principal amount, and the borrower is required to pay EMIs at the home loan balance transfer interest rate offered by the new 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 9.15% per annum*.
The eligibility criteria for home loan balance transfer may vary from lender to lender. For transferring your home loan balance to Tata Capital, you need to fulfill the following eligibility requirements:
The property for which you have taken a home loan should either be occupied or at least ready to be occupied
You should not have any outstanding dues on your existing home loan
Note - The eligibility criteria may differ from case to case based on the customer’s profile. There can be some other eligibility requirements for a home loan balance transfer with Tata Capital.
With Tata Capital, you can avail of the home loan balance transfer with a top-up facility. Your home loan top-up amount and your home loan balance transfer interest rate will be calculated based on your eligibility. You can use our home loan balance transfer and top-up calculator to know your home loan top-up amount instantly.
A home loan balance transfer and top-up calculator is a simple online tool that can help you determine your eligibility for transferring your home loan balance to us. You can also evaluate the monthly savings that you can make on transferring your home loan balance to us.
To use our home loan balance transfer calculator, you will need to input the following details in it:
Once you enter these details in our home loan balance transfer calculator, it will display the maximum balance transfer amount you’re eligible for and the total savings you can make every month by choosing to transfer your outstanding home loan balance to us.
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.
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