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Home Loan for Self-Employed by Tata Capital

Just like salaried individuals, self-employed individuals can also apply for home loans to purchase or construct their houses. It is specifically designed to help self-employed individuals meet their housing finance requirements. However, the eligibility criteria for a housing loan for self employed might differ from that for salaried individuals.

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. Our home loan interest rates for self employed start from just 8.70% per annum*. Additionally, we have simple home loan eligibility for self employed and require minimal self employed home loan documents.

  • Loan amount offered

    ₹ 5 lakhs to ₹ 5 crores

  • Loan tenure

    Upto 30 years

  • Interest rate starting @

    8.70%* p.a.

    View Rates & Charges

Advantages of Tata Capital Home Loan forSelf Employed

Attractive Rate of Interest

With Tata Capital, you can get a home loan for self employed at an attractive rate of interest. Our home loan interest rates for self employed start from just 8.70% per annum*. Moreover, we can determine the best home loan interest rate for you as per your credit score, income, and eligibility.

Loan for Purchase and Construction

With a Tata Capital housing loan for self employed, you can get financing for purchasing a ready-to-move-in house or constructing your house on a piece of land. You can also use a housing loan for self-employed for your home extension or renovation, balance transfer, and much more.

Simple Eligibility Criteria

At Tata Capital, we ask for very basic home loan eligibility for self-employed. As a self-employed individual, you can avail of a home loan from us by fulfilling some simple eligibility requirements, depending upon your age, annual turnover, and business experience.

Fast Approval

At Tata Capital, we provide instant approvals for home loan applications. You can apply for a housing loan for self employed with us and get the loan amount in your bank account within seven to eight working days.

Convenient Loan Tenure

At Tata Capital, you have the flexibility to choose your home loan tenure at your convenience. You can take a housing loan for self-employed for a tenure of as long as 30 years. This ensures that you can pay off your home loan EMIs comfortably, even if your business revenues fluctuate.

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Eligibility Criteria for Home Loan for Self Employed

Home loan eligibility for self employed may vary from one lending institution to another. At Tata Capital, we provide home loans for self-employed with simple eligibility criteria:

  • The age of the applicant should be between 24 to 65 years

  • The applicant should have a work experience of at least three years in the current field

  • The applicant should be running their current business for at least three years

How to Apply for a Home Loan for Self Employed

How to Apply for a Home Loan for Self Employed?

You can apply for a Tata Capital Home Loan for Self Employed through any of the following ways:

  • Branch

    You can visit your nearest Tata Capital branch to apply for a housing loan for the self-employed. We have more than 180 branches across India.

    Locate a Branch

How to Apply for a Home Loan for Self Employed?

You can apply for a Tata Capital Home Loan for Self Employed through any of the following ways:

  • Online

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

    Apply Now

  • Phone

    You can also apply for a Tata Capital Home Loan for Self Employed by dialing 1860 267 6060.

    Request a call back

  • Virtual Assistant

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

Steps to Apply for a Home Loan for Self Employed 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 self employed home loan 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

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.

Apply Now
Home Loan for self-employed

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.

Apply Now
Home Loan for women

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. 

Apply Now

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

Read All

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Popular FAQs

What is a Home Loan?

A home loan, or a housing loan, refers to a sum of money borrowed from a financial institution to buy a new house. With a Tata Capital Home Loan, you can avail of high-value financing for convenient tenures at competitive interest rates. 

    You can apply for a housing loan for the following purposes:

  • Purchasing a ready-to-move-in or under-construction housing property
  • Buying a plot of land to construct a house on it
  • Renovating or repairing your home (Home Improvement Loan)
  • Adding new spaces to your existing house (Home Extension Loan)
What are the benefits of a Home Loan?

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:

  • Attractive rate of interest
  • Loan tenure up to 30 years
  • Simple eligibility criteria
  • Flexible repayment solutions
  • Instant approval
  • Quick processing
  • Tax benefits
  • Door-to-door services
How can I use a Tata Capital Home Loan?

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:

  • Buying a ready-to-move-in property from the builder
  • Buying an under-construction property from the builder
  • Buying a resale housing property
  • Buying a plot to construct a house on it
  • Renovating or repairing your existing house
  • Refinancing an already purchased residential property
  • Transferring your outstanding home loan balance from another lender
Can a sanctioned Home Loan be canceled?

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.

Can I increase my Home Loan tenure?

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.

What factors cause the rejection of a Home Loan?

Some common reasons for the rejection of a home loan could be:

  • Inability to meet the home loan eligibility criteria
  • Non-submission of the required documents 
  • Low credit score
  • Incomplete or incorrect details in the home loan application

    • 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.

What is the Flexi EMI plan?

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.

How can one apply for a Home Loan?

With Tata Capital, you can apply for a home loan in the following ways:

  • Online – You can apply for a home loan online in a few simple steps
  • Phone – You can call us at 1860 267 6060 to apply for a home loan
  • Branch – Visit your nearest Tata Capital branch during working hours

    • To apply for a Tata Capital Home Loan online, follow these steps:

  • Fill up an online housing loan application form
  • Upload the necessary home loan documents
  • Get on-the-spot approval
  • Avail of the loan amount in a few working days

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. 

Know More
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.

Know More
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.

Know More
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.

Know More
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.

Know More
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.

Know More
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*.

Know More
Balance Transfer Balance Transfer
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