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Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

What is a Home Loan Eligibility Calculator?

The home loan eligibility criteria may vary from one lending institution to another, and hence, you must check your housing loan eligibility carefully before applying for it.

The easiest way to check home loan eligibility is using a home loan eligibility calculator. With Tata Capital Home Loan Eligibility Calculator, you can check if you’re eligible to borrow a home loan with us and if yes, then the maximum home loan amount you can borrow. All that you have to do is enter a few basic details in the home loan eligibility calculator, and we will display your maximum home loan eligibility within a few seconds.

How to Use a Home Loan Eligibility Calculator?

At Tata Capital, we provide home loans with easy eligibility criteria and minimal documentation. Our home loan eligibility calculator can help you evaluate your home loan eligibility with us in an effortless manner. To calculate home loan eligibility using our home eligibility calculator, you’re required to input the following details:

Net Monthly Income

Your net monthly income is your take-home salary after deducting the taxes and other deductions. If you’re a self-employed individual, you can calculate your net income by deducting the taxes and expenses from your gross income.

Monthly Obligations

The next value that you need to enter to calculate home loan eligibility is the sum of your monthly obligations. You can calculate your monthly obligations by adding the total amount that you pay every month as EMIs for other loans. Please note that statutory deductions such as PF, taxes, etc., and investments do not come under your monthly obligations.

Rate of Interest

Next, you will have to enter the rate of interest that would be charged on your housing loan. We can determine the best home loan interest rate for you based on your home loan eligibility. Our home loan interest rates start from just 8.75% per annum*.

Home Loan Tenure

Last, you will need to enter your home loan tenure to calculate house loan eligibility. Your home loan tenure is the duration within which you’re obligated to repay your entire home loan amount along with the applicable interest. With Tata Capital, you can choose a convenient home loan tenure of up to 30 years.

You can either use the sliders or type to enter these values directly in our home loan eligibility calculator. Once you enter these values, our housing loan eligibility calculator will instantly display the maximum home loan amount that you’re eligible to borrow from us and the EMI that you will have to pay per month at the selected rate of interest.


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Factors that Affect your Home Loan Eligibility

The home loan eligibility criteria may differ from one lending institution to another. Different lenders consider different factors to calculate the home loan eligibility of their applicants. Some common factors that can impact your home loan eligibility include:

  • Age

    Lenders consider the age of the applicant as a crucial factor while determining their housing loan eligibility. Generally, younger applicants are granted high-value loans for longer tenures as compared to those who are nearing their retirement age.

  • Income

    The applicant’s income is another crucial factor that determines their home loan eligibility. It reflects their ability to repay loan EMIs in time. Therefore, the higher an individual’s income, the greater will be the home loan amount he or she can procure.

  • Type of Employment

    The employment status of the applicant and the type of employment have a lot of say on their home loan eligibility. Moreover, the home loan eligibility for salaried and self-employed individuals may also be different. 

  • Credit Score or Payment History

    The lenders evaluate the home loan eligibility of applicants based on their credit scores and payment history. The credit scores of applicants reflect how they have handled their past liabilities and loans. A high credit score of 750 or above helps in getting a home loan easily.

  • Qualification and Experience

    The academic qualification and work experience of the applicant also matter when it comes to their home loan eligibility. Higher academic qualifications and impressive work experience increase their chances of getting a home loan.


    At Tata Capital, we provide housing loans for both salaried and self-employed individuals with simple housing loan eligibility criteria. You can check your housing loan eligibility instantly by using our online home loan eligibility calculator.

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 8.75% per annum*.

Balance Transfer Balance Transfer