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Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
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Loan Restructuring for COVID-19 related stress
Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
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.
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.
Loan amount offered
₹5,00,000 - ₹5,00,00,000
Loan tenure
Upto 30 Years
Interest rate starting @
8.60%* p.a.
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.
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.
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.
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.
Customer care: 18602676060
Email – contactus@tatacapital.com
Registered Branch – TCHFL, The Guman - 1, Ground Floor, Amrapali Circle, Vaishali Nagar, Jaipur - 302021
Our interest rates begin from 8.60%* 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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