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Own Your Home in Gurgaon with Tata Capital Home Loans

Luxury at its finest

When looking for luxurious residential housing projects, Gurgaon is the place to be. With high-end skyscrapers, gated localities, luxury apartments, gorgeous villas, condominiums, plush apartments, etc., the millennium city offers choices aplenty. Since the price tags on these properties are on the steep end, a home loan in Gurgaon can help you cover the expenses.

Well-planned infrastructure

Besides luxury, the residential units in the city are also bedecked with ultra-modern amenities such as gymnasiums, swimming pools, yoga/meditation areas, flower gardens, community halls, and more. The gated residential communities are also packed with multi-purpose basketball and badminton courts, clubhouses, schools, grocery stores, hospitals, malls, restaurants, and many more amenities. When thinking about raising your standard of living by investing here, a housing loan in Gurgaon seals the deal.

  • Loan amount offered

    ₹5,00,000 - ₹5,00,00,000

  • Loan tenure

    Upto 30 Years

  • Interest rate starting @

    8.75%* p.a.

    View Rates & Charges

Home Loan EMI Calculator

Loan amount
₹
₹75,000 ₹35,00,000
Loan duration
1 Years 6 Years
Loan duration
12 Months 72 Months
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 Gurgaon

If you are planning to buy a house in Gurugram, turn to Tata Capital and get:

Best-in-class Interest Rates

Tata Capital offers some of the lowest interest rates on home loans in Gurugram. So, you pay less in monthly instalments and turn your dream into reality.

Smooth Approval Process

Tata Capital has a completely online application process with minimal documentation. Also, our easy-to-meet eligibility criteria ensure your application is processed quickly so you can move into your new house without delay.

Multi-purpose Loan

You can use the loan amount to purchase an apartment or construct a brand-new house. If you already own a house in Gurugram, you can use the loan amount to renovate or extend your home.

Easy Repayment

Tata Capital allows you to opt for flexible loan tenure of up to 30 years. So, you can repay the loan without putting any constraints on your finances.

Future Proof Investment

Gurugram is a technology and financial hub that attracts people from all over the country. So, a house in Gurugram will be a valuable asset. Tata Capital ensures that you make this investment without any hassle.

Home Loan Interest Rates in Gurgaon?

As a city with umpteen employment opportunities, growing social infrastructure, and well-planned civic amenities, Gurgaon extends a high standard of living. Even the availability of home loans in Gurgaon is not an issue. This way, Gurgaon has rapidly become a real estate investment hotspot.

Since home loan interest rates depend on your eligibility, it's crucial to fulfil the prescribed eligibility conditions by the lender. This way, you can easily qualify for an affordable housing loan in Gurgaon and make your realty investment.

What's more, the home loan interest rates in Gurgaon are at an all-time low making this the perfect time to make a property purchase. Why? That's because the interest rates directly affect your EMIs. Lower rates of interest mean you pay lower EMIs. At Tata Capital, you can bag the lowest home loan rates in Gurgaon and own a premium property in the millennium city in no time. 

Eligibility Criteria for a Home Loan in Gurgaon?

To get a Tata Capital Home Loan in Gurgaon, you must meet some basic Home Loan eligibility criteria:

  • You should be aged between 24 to 65

  • You must be salaried or self-employed

  • Required work experience for a salaried professional is two years and three years for a self-employed professional

  • As a salaried individual you should have a minimum monthly salary of Rs. 30,000

  • Your credit score should be 750 or more

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

Documents Required for Home Loan in Gurgaon

  • 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 Gurgoan?

1

Input your personal, occupational, property and loan details in the short digital form. This way, we check whether you fit our prescribed eligibility criteria.

2

If you do, we will provide you with a suitable loan offer. Afterwards, we request you to submit minimal documentation.

3

Now, we verify your submitted paperwork as our experts examine the house you wish to buy. Post-verification, we sanction your desired loan amount and extend an e-sanction letter. Download this letter from the portal.

4

Lastly, we release your funds in no time.

Apply Now

Other Ways to Apply for a Home Loan in Gurgaon

  • Customer care: 18602676060

  • Email – contactus@tatacapital.com

  • Registered Branch – TCHFL, 3rd Floor, SCO 13, Sector 14, Gurgaon, Haryana 122001

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FAQ's on Housing Loan in Gurgaon

What is the minimum salary to avail of a home loan in Gurgaon?

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

How much is the downpayment on a home loan in Gurgaon?

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

Do I need to provide any security or collateral to apply for a home loan in Gurgaon?

Yes, you need to provide security or collateral.

How to Calculate EMI for Home Loan Online?

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.

How long does it take to get a housing loan in Gurgaon?

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.

Can I prepay my home loan in Gurgaon? Are there any charges associated with it?

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

Are there any additional charges for home loans in Gurgaon?

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.

How to get a home loan with a low cibil score in Gurgaon?

Improve credit, show stable income, offer collateral, get a guarantor, or opt for a higher interest rate.

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Looking for a bungalow or an apartment? With Tata Capital Home loans, find a dream home and make it your reality. Ab aapke sapnon ka ghar aapke naam! 

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