Home Loan for Women
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Housing Loan for Women by Tata Capital
A home loan for women is a loan facility offered exclusively to women. Irrespective of whether she is employed or a housewife, housing loan for women help them in having ownership rights in a property. Having her own roof over her head gives a woman a sense of security, empowerment, and financial freedom.
Just like men, women can now avail of a home loan facility to purchase or build their own house. Tata Capital offers house loans for ladies with several perks; competitive interest rates, high loan amounts, and flexible payback tenure being a few of those. Moreover, a home loan for women’s interest rate is affordable, making repayment easy on the pocket.
The interest rate for our housing loan for women starts from just 8.75% annually*. Besides, our home loan for women's eligibility criteria is very simple, and we require minimal documentation, so availing of a home loan for housewives or working women is an easy process at Tata Capital.
Loan amount offered
₹ 5 lakhs to ₹ 5 crores
Loan tenure
Upto 30 years
Interest rate starting @
8.75%* p.a.
Eligibility Criteria for Home Loan for Women
Home loan for women's eligibility depends on several factors, and they usually vary from one lending institution to other. Lending partners may want to consider the applicant’s age, monthly income, securities, current assets and liabilities, and the cost of the proposed house or property.
At Tata Capital, we offer simple criteria for a home loan for women's eligibility:
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The age of the applicant should be between 24 to 65 years
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The applicant should have a minimum salary of Rs. 30,000, or if availing a home loan for housewives, can submit securities like gold, fixed deposits, etc.
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If the woman is self-employed, she should have a business experience of at least three years
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The applicant should be a resident of India
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Documents Required for Home Loan for Women
Here is the list of documents that you need to furnish for a home loan for women:
Duly filled application form with photograph
Aadhaar card
Passport
Proof of residence
Bank statement
Salary Slips of last 3 months; NRIs with variable salaries need to submit the same for last 6 months
Proof of relationship
Previous loan details, if any
Proof of education
Form 16 & ITR of last 3 years; computation of income should be included
How to Apply for a Home Loan for Ladies?
Benefits of Home Loan for Ladies
Here is why you should consider a home loan for ladies:
Faster Processing and Higher Chances of Loan Approval: Women borrowers can benefit from a higher chance of approval and a hassle-free, quick loan processing experience.
Concession on Stamp Duty: Women borrowers have to pay a reduced stamp duty.
Attractive Interest Rates: Home loans are offered to women borrowers at lower interest rates, improving their affordability.
Comfortable Repayment Tenures: Women borrowers get a longer repayment tenure allowing them to repay the loan comfortably.
FAQs on Home Loan for Women
Is home loan interest less for women?
What is the maximum home loan available for women?
Women can apply for a maximum home loan of Rs 5 Crores with Tata Capital.
Is there any tax benefit available on housing loans for women?
Yes, there is a tax benefit available on housing loans for women and these can be availed on the principal and interest amount as well on the stamp duty.
Is the EMI lower if the home loan applicant is a woman?
Yes, the EMI is lower if the home loan applicant is a woman, as women are offered lower interest rates and longer tenures, thus reducing the EMIs.
Is a housewife eligible for home loan?
No, a housewife is not eligible for a home loan on her own. However, she can be a co-borrower.
Can women with irregular income streams apply for home loans?
Yes, women with irregular income streams can apply for a home loan. Women entrepreneurs and freelancers can apply for a home loan by providing additional documentation to establish income stability and loan repayment capacity.
Can single women apply for home loans?
Yes, a single woman can apply for a home loan as long as she meets the eligibility criteria.
Are there any government schemes supporting women's home ownership?
Yes, there are government schemes that support women’s home ownership. Schemes such as the NHB (National Housing Bank) refinancing scheme for women, PMAY (Pradhan Mantri Awas Yojana), and Mahila Awas Yojana offer lower interest rates, subsidies and other benefits to women borrowers.
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