STAY UPDATED!

We're constantly crafting offers and deals for you. Get them delivered straight to your device through website notifications.

All You Have To Do Is Click On "Allow".

CHECKING FOR OFFERS AGAINST

Are you sure?

You will not be eligible for exclusive offers from Tata Capital

thank you for SUBMITTING THE DETAILS

We will notify you in case any special offers are available

Home Loan in Jaipur

Tata Capital offers you instant home loans so you can purchase or build your dream house. Have a look at some features of home loans in Jaipur.

 

  1. 1.Best-in-class Interest Rates

With Tata Capital, you get some of the most affordable home loans in Jaipur. A lower interest rate results in much more manageable monthly instalments so you can move into your home house without any worry.

 

  1. 2.Simple Eligibility

We have simple eligibility criteria in place to fast-track your loan approval and disbursal. Determine your eligibility with our online Home Loan Eligibility Calculator.

 

  1. 3.Adequate Funds for Diverse Housing Needs

Jaipur has residential areas with properties for individuals with all housing needs. Tata Capital offers home loans of up to Rs. 5 crores in Jaipur. Whether you prefer an apartment or an independent house, you can easily get one.

 

  1. 4.Easy Repayment

We offer you a flexible tenure of up to 30 years so you can repay the loan at your own pace without straining your finances.

 

  1. 5.Investment for Future

Jaipur’s proximity to Delhi makes it ideal for businesses to establish themselves in the city. At the same time, the city’s infrastructure is developing rapidly. Now is the right time to invest in a property and secure a valuable asset for the coming years.

Know more about our offering

Key Features

Loan Amount

₹2,00,000 - ₹5,00,00,000

Loan Tenure

Up to 30 years

Interest rate starting at

6.70%*

HOME LOAN IN JAIPUR ADVANTAGES

Fastest Growing Tier II Cities

A safe and well-connected city, Jaipur is already witnessing significant government spending on its infrastructure, thus making it one of the fastest-growing tier-II cities. Many private players are also opening their office floors here, inviting professionals interested in real estate in Jaipur. This is already boosting the demand for home loan in the city. 

Proximity to New Delhi

Jaipur is only a 3 to 4-hour drive from New Delhi. Therefore, many small business owners base themselves here and travel to Delhi or other cities as and when needed. Due to this, an increase in real estate buying is inevitable.  

Fastest Growing Tier II Cities

A safe and well-connected city, Jaipur is already witnessing significant government spending on its infrastructure, thus making it one of the fastest-growing tier-II cities. Many private players are also opening their office floors here, inviting professionals interested in real estate in Jaipur. This is already boosting the demand for home loan in the city. 

Proximity to New Delhi

Jaipur is only a 3 to 4-hour drive from New Delhi. Therefore, many small business owners base themselves here and travel to Delhi or other cities as and when needed. Due to this, an increase in real estate buying is inevitable.  

What are the Interest Rates for Home Loan in Jaipur?

If you’re interested in borrowing housing finance, perhaps the first thing you’re looking for is an affordable interest rate. Therefore, we’ll have you know that home loan interest rates in Jaipur are at an all-time low.

Don’t believe us? Check out our lowest home loan rates in Jaipur. Not only will you find out ROIs pocket-friendly, but they also come with flexible repayment terms.

With such favourable interest rates, flexible home loan repayment terms, and a hassle-free online documentation process, applying for a housing loan in Jaipur will feel like a cakewalk. So, why wait any longer. Remember, the lower your home loan’s interest rate, the cheaper the total loan cost.   

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

Usually, the eligibility criteria depend on your source of income. It differs for salaried and self-employed people. For perfect clarity on your eligibility, check out Tata Capital’s home loan eligibility criteria now. 

What are the Documents Required for Getting a Home Loan in Jaipur?

Though individual requirements vary, all applicants need the following documentation for a loan:

  • Salary Slips
  • Age Proof - Passport, Driving License, PAN Card, Birth Certificate
  • Income Statement
  • Address Proof - Bank Statement/ Voter ID
  • Processing Fee Cheque
  • Identity Proof - Aadhar Card/ PAN Card/ Voter ID/ Driving License/ Passport

How to Calculate EMI for Home Loan Online

EMI stands for equated monthly instalments, which you pay every month to eventually pay off your loan. Now you can calculate your home loan EMI in Mumbai without the help of any loan expert. How? With the help of a home loan EMI calculator available on our website.

All you need to do is input the total loan amount you desire, along with a tentative tenure and a potential interest rate. Once you do this, the calculator will show you your monthly EMI figure. It will also give you a breakdown of how much you'll be paying towards the principal and interest component.

Sure, you can try different combinations using this calculator until you arrive at the one that hits the sweet spot. So, ditch the old pencil and paper and use an online EMI calculator to figure out how much home loan in Jaipur you should apply for. 

HOW TO APPLY FOR A HOME LOAN ONLINE IN JAIPUR

Offline Application Process

  • Customer care –18602676060
  • Email – contactus@tatacapital.com
  • Registered Branch – TCHFL, The Guman - 1, Ground Floor, Amrapali Circle, Vaishali Nagar, Jaipur - 302021

 

FAQ

Maximum of 30 years is provided to repay a loan. This is subject to retirement age of the borrower or 65 years in the case of self-employed applicant. 

Our interest rates begin from 7.75%* 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 –

  • Purchase of Land 
  • Readymade Home Purchase 
  • Home Construction 
  • House Expansion or Extension 
  • Home Conversion 
  • Home Renovation 
  • Loans Against Property or Mortgage Loan

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 –

  • Spouse
  • Father 
  • Mother 
  • Brother who is not a minor 
  • Sister who is not a minor 
  • Son who is not a minor 
  • Daughter who is not a minor 

The time taken for the sanctioning of home loans varies depending upon whether you are a salaried individual, self-employed individual or entrepreneur. Typically,

  • For salaried individuals, home loans can be sanctioned within 4 to 5 business days
  • For self-employed individuals, it may take around 7 to 8 business days to get home loan sanctioned 

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 -

  • Deduction for Interest Paid on Housing Loan - The interest portion of the EMI paid for home loan in the year can be claimed as a deduction from your total income. This amount must not exceed a maximum of Rs 2 lakhs as per Section 24
  • Deduction on Principal Repayment - The Principal portion of the home loan EMI paid for the year is allowed as deduction under Section 80C. The maximum amount that can be claimed is up to Rs 1.5 lakh. However, to claim this deduction, the house property should not be sold within 5 years of possession.
  • Additional Deduction under Section 80 EEA – 2019’s Budget has introduced additional deduction under Section 80EEA for home buyers for maximum up to Rs 1,50,000, provided the stamp value of the property does not exceed Rs 45 lakhs. The loan must have been sanctioned between 1 April 2019 and 31 March 2020 to avail this benefit.

If your home loan interest rate hikes, you can reduce your housing loan tenure in the following ways –

  • Increasing your EMI
  • Making a part pre-payment of your housing loan, or
  • A combination of both the ways mentioned above

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 – 

  • You need prior written approval of the lending authority
  • You need to consider pre-payment charges levied by your lending institution 
  • There could also be a minimum pre-payment amount limit set by your lending authority that you need to consider

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 –

 

  • Your spouse 
  • Your parents 
  • Your children 
  • Your siblings 

 

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.

WHY CHOOSE US

CUSTOMIZED PRODUCTS

MINIMUM DOCUMENTATION

EASY APPLICATION PROCESS

STRONG AFTER SALES SERVICE