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up to Rs. 1 Crore

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Home Loan advantages in Chandigarh

Real Estate is Always in Demand Here

Owing to the city’s diligently planned design, thriving cosmopolitan culture, and job and business opportunities, you’ll always find people who want to buy a house here.

So, if you can get a home loan in Chandigarh at affordable prices, why wouldn’t you invest in a hot piece of property here. Doing this can also bring you substantial rental income. 

Located Strategically

Chandigarh is the shared capital of both Punjab and Haryana. It is also the gateway to the Himalayas. Add to this; you'll always find well-maintained infrastructure like best roads and other facilities, making it an ideal choice to stay and travel around.

Given these amenities and the city’s strategic location, it’s hard to find any flaws when it comes to living or renting here. This is a big reason behind the growth of Chandigarh’s real estate market.  

  • Loan amount offered

    ₹5,00,000 - ₹5,00,00,000

  • Loan tenure

    Upto 30 Years

  • Interest rate starting @

    9.15%* p.a.

Features of Home Loan in Chandigarh

Whether you plan to buy a home or build one, Tata Capital offers instant home loans in Chandigarh. Here are some of its benefits:

Low Interest Rate

Tata Capital offers affordable home loans in Chandigarh at the lowest interest rates. Check out our attractive home loan interest rates and compare your best options.

Basic Eligibility

Tata Capital has easy-to-meet eligibility criteria so that you can finance your dream house without any hassle. Use our Home Loan Eligibility Calculator to check your eligibility.


Whether you plan to build your dream house or purchase an apartment, you can do that with Tata Capital’s home loans. Even if you already have a home in Delhi, you can get a loan to renovate your place.

Flexible Tenure

Tata Capital’s home loans come with extended tenures of up to 30 years, so it is much easier for you to repay the loan.

Investment to Make

Chandigarh is a shared capital of two states that border the national capital. Properties here are always in demand. In addition to that, low-interest rates and extended tenure on the home loan make will make your Chandigarh home a great investment.

What are the Interest Rates for Home Loan in Chandigarh?

The first thing potential borrowers look for while choosing housing finance is the interest rate. But, this element alone should not be your sole deciding factor when applying for a housing loan in Chandigarh. You must also assess the loan tenure and other home loan repayment conditions.

What if your ROI is low, but only for a short tenure? This condition will increase your EMI substantially, and you may require serious alterations to your lifestyle. Therefore, study all components and conditions of a home loan before applying.

At Tata Capital, we extend some of the lowest home loan interest rates to help you purchase homes that you were thinking of discarding due to a high price. Refer to our section on home loan interest rates in Chandigarh to grab these attractive rates.

What is the Eligibility Criteria for a Home Loan in Chandigarh?

Tata Capital has a simple eligibility criteria in place:

  • You must be between 24 and 65 years of age

  • Salaried applicant’s minimum salary: Rs. 30,000

  • Salaried applicant’s minimum work experience: 2 years

  • Self-employed applicant’s minimum work experience in the current field: 3 years

  • NRI (Non-Resident Indians) applicants must be salaried with a minimum work experience of 3 years

What are the documents required to avail a Home Loan in Chandigarh?

Age Proof

Address proof

Identity Proof

Income Statement

Processing Fee Cheque

Salary Slips

Visit our home loan documents page to find out the list of valid documents required for your home loan application.

How to Calculate EMI for Home Loan Online?

Your home loan EMI is the monthly instalment you pay to the lending institution. The lower your home loan rate of interest, the lower your monthly EMI.

It’s always ideal to calculate your potential EMI beforehand, so you know how much you should borrow. The most convenient way to accurately calculate your monthly instalment is by using our home loan EMI calculator.

This online tool asks you to input your desired loan amount, tenure, and tentative interest rate and instantly coughs up your potential EMI. You can also try multiple permutations and combinations, toggle with different values through this calculator to reach a desired monthly EMI total.

So, if you’re wondering what your potential EMIs can be while applying for a home loan in Chandigarh, use our online home loan EMI calculator to help yourself out of your confusion. 

How to apply for a Home Loan online in Chandigarh?


With Tata Capital, you can apply for a home loan in Chandigarh in just four simple steps. You start by filling out your online loan application digitally. Our online application form asks for minimal personal details, your occupation, desired property details, and the loan amount you're looking for.


After submitting your details by filling our online application form, we'll instantly inform you of your eligibility and ask you to submit certain documents for verification. Once everything checks out, our loan officers will make a quick site visit.



If approved, you'll receive your E-sanction letter online, and the loan amount will be disbursed into your bank account.


As you can tell, applying for a housing loan in Chandigarh with Tata Capital merely takes a few working days!

Other Ways to Apply for a Home Loan in Chandigarh

  • Customer care: 18602676060

  • Email –

  • Registered Branch –  TCHFL, 2nd Floor, SCO 20, Sector 26, Madhya Marg, Chandigarh - 160019