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Home Loan in Bangalore

Home Loan in Bangalore

Loan Up to ₹5 Crore* | Tenure Up to 30 years | Minimum Documentation

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Own Your Home in Bangalore with Tata Capital Home Loans

Beautiful climate and a rich culture

Bangalore's climate is a key reason why many people like to settle here. It's the perfect blend of hot and cold weather where the days are sunny and bright as the nights are much colder with a light breeze accompanying throughout.

But that's not it! The city also accommodates a vibrant culture, fraught with museums, exhibitions, nightclubs, exquisite cuisines, and an amalgamation of the rest of India. With realty investments in the city shooting up, property prices are also on the rise. But fret not! With a housing loan in Bangalore, you can quickly select a property you like and move in.

A booming economy

Bangalore boasts of another moniker, the Silicon Valley of India. And rightly so! The city has a bustling economy, ever-growing industries, a dynamic entrepreneurial scene, and numerous business corporations. Thanks to its flourishing economy, millennials and youngsters are keen to move to the city. Moreover, homebuyers can easily finance their dream home in the city with affordable home loan in Bangalore.

Loan amount offered

₹5,00,000 - ₹5,00,00,000

Loan tenure

Upto 30 Years

Interest rate starting @

7.75%* p.a.

View Rates & Charges

Home Loan EMI Calculator

Loan amount

₹

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Rate of interest

10% p.a 19% p.a

Monthly EMI

Total Amount Payable

0*
Total Interest Payable

0*

Total Amount Payable

Total Interest Payable

Apply Now

Calculate Home Loan EMI

Features and Benefits of Home Loan in Bangalore

Bangalore, the Silicon Valley of India, is a city of opportunities. Its weather and vibrant culture make it a perfect city to own a place of your own. And Tata Capital can help you get your dream house. Here is how:

Attractive Interest Rates

Home loans often come at high-interest rates and hefty monthly instalments. But Tata Capital offers the lowest interest on home loans in Bangalore, so you can easily finance your purchase.

Easy Eligibility Criteria

With Tata Capital’s easy-to-meet eligibility criteria, you do not wait any longer than you need to get your loan approved. If you meet the requirements, we process your loan immediately so you can move into your new house without delay.

Multi-purpose Loan

Bangalore has housing for every individual. Whether you want to purchase an apartment in a high-rise or a traditional independent house, Tata Capital will help you accomplish your dream.

Easy Repayment

Low-interest rates make your EMIs manageable. But to make repayment more convenient, Tata Capital offers flexible tenure of up to 30 years so you can repay the loan at your pace.

Prospering Economy

Bangalore is a hub of IT, with industries growing at rates faster than ever. Property in such cities is a great investment, especially with Tata Capital’s affordable home loans in Bangalore.

Home Loan Interest Rates in Bangalore?

Bangalore offers a slew of benefits for investing in the city's real estate scenario as a cosmopolitan. It accommodates an excellent public transport system, top-notch civic amenities, well-recognised eminent institutes, and a high standard of living at a relatively cheaper cost. What's more, even acquiring a home loan in Bangalore entails a hassle-free process.

Besides, nowadays, the home loan interest rates in Bangalore are at an all-time low makes it the right time to make a realty investment. Why? That's because lower rates of interest translate into lower interest payable and smaller EMIs. At Tata Capital, you can get the lowest home loan rates in Bangalore, starting at just 7.70%*, to build your dream home.

If you're looking for an effortless borrowing experience, turn to Tata Capital. We extend easy-to-meet eligibility criteria, nominal processing fees, no additional hidden charges, and flexible loan terms. To book a housing loan in Bangalore at affordable rates of interest, connect with us today.

Eligibility Criteria for a Home Loan in Bangalore?

To avail a Tata Capital Home Loan in Bangalore, you must be:

You should be aged between 24 to 65
You must be salaried or self-employed
A salaried professional with a minimum of two years of working experience and a monthly salary of at least Rs. 30,000
A self-employed individual with a minimum of 3 years of working experience in the current field.
Possessing a credit score of 750+

Use our Home Loan Eligibility Calculator to verify your home loan eligibility.

Documents Required for Home Loan in Bangalore

Age Proof

A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

Photo Identity Proof

A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

Address Proof

A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

Income Proof

A copy of your Salary Slips for the last three months, Salary Bank Account Statements for the last six months, Appointment letter, Yearly increment letter, or a Certified true copy of Form 16

Existing Loan Details

Existing loan details should be provided through Bank Statements or Loan Statements

Processing Fee Cheque

To be issued from your salary account

Age Proof

A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

Photo Identity Proof

A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

Address Proof

A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

Business Proof

A copy of the last two years' Income Tax Returns, your Business Profile on a letterhead, or your Business Registration Certificate for business commencement

Income Proof

A copy of the last three years' Profit & Loss (P/L) Projection Statement, Operative current account statement for the last six months, Bank statements for the last six months of CC/OD facilities (if taken)

Existing Loan Details

Existing loan details should be provided through Bank statements or Loan statements

Processing Fee Cheque

To be issued from your business account

Age Proof

A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

Photo Identity Proof

A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

Address Proof

A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

Employment Proof

A copy of your pay slips for the last six months along with the employment stability documents, such as your appointment letter or previous employment history

Income Proof

Overseas salary account details for Indian NRE or NRO account statements for the last six months

Credit Report

NRI applicants should submit a Credit Report of their current country of residence, wherever it is applicable as per Tata Capital norms

Existing Loan Details

Existing loan details should be provided through Bank statements or Loan statements

Processing Fee Cheque

To be issued from your salary account or business account

How to apply for a Home Loan online in Bangalore?

First of all, fill out the digital application form with your personal, occupation, loan, and property details. These details help us determine your loan eligibility.

After you apply for housing loan in Bangalore, we process your form to extend a suitable loan deal. Now, upload the required documents.

Post-document verification, our experts assess the property you're buying. Then, we generate an e-sanction letter. All you need to do is download the letter.

Finally, your loan is approved. Now, the sanctioned funds reach your account.

Apply Now

Other Ways to Apply for a Home Loan in Bangalore

Customer care: 18602676060
Email – contactus@tatacapital.com
Registered Branch – 45 & 44, Second Floor, 60 Feet Road, G- Block, Sahakar Nagar, Bangalore - 560092.

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FAQ's on Housing Loan in Bangalore

To qualify for a Tata Capital home loan, salaried individuals need a minimum monthly income of ₹30,000.

The exact amount depends on factors such as the loan program, lender policies, and your financial profile.

Yes, you need to provide security or collateral.

To calculate EMI for a home loan online, use Tata Capital's Home Loan EMI Calculator. Enter the loan amount, tenure, and interest rate to get an instant EMI estimate.

The time to get a housing loan from Tata Capital typically depends on document verification and approval processes. With complete documentation and eligibility checks, loans can be approved quickly, often within a few days.

For floating interest rate loans, no prepayment charges apply. However, for fixed interest rate loans, nominal charges may be applicable.

Yes, Tata Capital home loans may include additional charges such as processing fees, legal fees, valuation charges, and administrative costs. These charges vary based on the loan amount and terms.