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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.
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.
If you are planning to buy a house in Gurugram, turn to Tata Capital and get:
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.
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.
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.
Customer care: 18602676060
Email – contactus@tatacapital.com
Registered Branch – TCHFL, 3rd Floor, SCO 13, Sector 14, Gurgaon, Haryana 122001
Our interest rates begin from 9.15%* and are highly competitive. We offer concessional interest rates to women beneficiaries. Additionally, we provide subsidized home loans to low income groups under PMAY subsidy.
Home loans serve the primary purpose of purchasing a property or facilitating the construction of one for home buyers. Different types of home loans are taken for different purposes such as –
A co-applicant in a home loan is an individual who will be equally responsible to repay the home loan just as the main borrower. He or she has to apply for the home loan along with the main borrower. Lenders will take the co-applicant’s income and credit standing into consideration as well.
Home loan co-applicants can only be immediate family members or blood relatives. Up to six co-applicants are permitted per home loan application. The following can be co-applicants in a joint home loan –
The time taken for the sanctioning of home loans varies depending upon whether you are a salaried individual, self-employed individual or entrepreneur. Typically,
Tax benefits on home loans may be availed during filing of annual income tax returns. Home loan borrowers are eligible for tax benefits on home loan as per Section 80 C of the Income Tax Act. The following tax benefits can be availed by home loan borrowers -
If your home loan interest rate hikes, you can reduce your housing loan tenure in the following ways –
If you wish to reduce your home loan tenure, visit the nearest loan-serving branch. Once the EMI has been changed, submit new Electronic Clearance Service (ECS) mandate/Post-Dated cheques with the updated EMI amount to get your home loan tenure reduced.
Home loan is taken for a property whereas a mortgage loan is taken against a property - For a home loan, an applicant borrows money from a lending institution at a given interest rate for buying, constructing, or upgrading of a property.
For a mortgage loan, financial institutions or lenders extend the mortgage by securing a property. So, though the property is considered to be the collateral for the loan amount, it is the lending institution that is the actual owner of the property till full loan repayment.
A fixed interest rate is completely market independent whereas a floating interest rate varies throughout the loan tenure based on changes in the market forces. With Tata Capital, you get the flexibility to opt for Fixed Rate Home Loan or Home Equity Loan for the initial three years of your home loan tenure following which there will be an automatic change to floating interest rates for the rest of the tenure.
Yes, it is possible for you to prepay your home loan, either in part or in full, keeping the following in mind –
Yes, you can take a joint home loan to increase your home loan eligibility. In case of a joint home loan, the income and credit standing of the co-applicant will also be taken into consideration. You can take a joint home loan with the following –
Basically, anybody who makes up your immediate family is eligible for becoming a co-applicant.
Yes, a sanctioned home loan can be cancelled. However, the processing fees charged during the home loan sanction process will not be refunded. If you want to cancel your loan after receiving your home loan sanction letter, write to your lender. Make sure you do this well before the loan’s disbursal.
Yes, you can extend your home loan tenure as long as it is within your lenders’ terms and conditions. At Tata Capital, the home loan maximum tenure is 30 years.
By extending your tenure, you can reduce the burden of EMIs. You can contact your lender or visit their branch to apply for a tenure extension.
Some common home loan rejection reasons are unmet eligibility criteria, low income, low credit score, and incomplete or incorrect details in your loan application.
If your application was rejected, find out why. If needed, wait for your income and credit score to improve and apply again. Make sure you check your application thoroughly before submitting.
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