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Home Loan advantages in Gurgaon

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 @

    9.15%* p.a.

Features 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.

What are the Interest Rates for Home Loan 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. 

What is the 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.

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

Age proof

Passport, Driving License, PAN Card, Birth Certificate

Address Proof

Bank Statement/ Voter ID

Identification Proof

Aadhar Card/ PAN Card/ Voter ID/ Driving License/ Passport

Income Proof

Bank account statement for the last six months for salaried professionals and self-employed individuals: last three years' Projection Statement / Six months statement from current account

Processing Fee Cheque

Property Documents

How to Calculate EMI for Home Loan Online?

EMI stands for equated monthly instalments, which you must pay on a monthly basis to close the loan. To calculate your home loan EMI in Gurgaon, use our home loan EMI calculator available online. All you need to do is input your principal amount, loan term, and rate of interest. Here, you can check the loan EMI for different tentative tenures, desired loan amounts, and expected interest rates.

Once you do that, the calculator displays the EMI amount you will be paying to close your home loan in Gurgaon. The calculator also gives you a breakdown of how much you'll pay towards the EMI's interest and principal components.

That's why it's best to use an online EMI calculator to figure out your potential EMIs before you apply for a housing loan in Gurgaon.

How to apply for a Home Loan online in Gurgoan?


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


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


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.


Lastly, we release your funds in no time.

Other Ways to Apply for a Home Loan in Gurgaon

  • Customer care: 18602676060

  • Email –

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