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Home Loan in Kolkata

Home Loan in Kolkata

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Home Loan advantages in Kolkata

Good properties available in central areas

It’s often difficult to find affordable housing in the central areas of bustling metropolises, but Kolkata is not like that. You can still find vacant and good quality housing in prime areas within the city. To fund these, home loan in Kolkata are also readily available.

Rapid suburb development is on track

Kolkata's beautiful Rajarhat and New Town suburbs are developing rapidly, with several IT and business parks ready and operational. Due to this, many apartments and bungalow townships have also sprouted in this area at affordable prices.

Loan amount offered

₹5,00,000 - ₹5,00,00,000

Loan tenure

Up to 30 Years

Interest rate starting @

8.75%* p.a.

View Rates & Charges

Features of Home Loan in Kolkata

Tata Capital offers instant home loans so you can easily purchase or construct your dream house. Here are some features of a home loan in Kolkata:

Competitive Interest Rates

Tata Capital extends competitive interest rates on home loans in Kolkata. Lower interest rates mean your monthly instalments are much more affordable.

Customised Loan for Your Needs

With Tata Capital, you can take a loan of Rs. 5 Lakhs to Rs. 5 Crores depending on your housing needs. You can use our online Home Loan Eligibility Calculate to calculate the amount you can borrow.

Easy Loan Approval

Tata Capital makes it easy for you to apply for home loans in Kolkata. Our eligibility criteria are simple, and our approval process is quick. So, you can move into your new house without delay.

Flexible Tenure

With Tata Capital, you can opt for a flexible tenure of up to 30 years and easily repay the loan.

Safe Investment

Kolkata is going through rapid suburban development, and properties have increased in value in those areas. It is the right time to capitalise on the opportunity and secure a valuable asset.

Calculate Home Loan EMI

What are the Interest Rates for Home Loan in Kolkata?

Wondering where you can find some of the lowest home loan interest rates in Kolkata. Try Tata Capital! Listed below are our base interest rates for housing finance in Kolkata. Check them out and start your loan application with us.

Know that with home loan interest rates in Kolkata being as affordable as shown below, you can buy a bigger and better property in the neighbourhood of your choosing.

So, instead of postponing the purchase of your real estate investment or dream housing, award yourself the luxury of getting one within a matter of days. How? By taking a housing loan in Kolkata with Tata Capital.

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

You must be between 24 and 65 years of age
Salaried employees must be drawing a minimum salary of Rs. 30,000 with at least a work experience of two years
Self-employed professionals must possess at least three years of work experience in their current field of expertise

Documents Required for Home Loan in Kolkata

Documents Required for Home Loan in Kolkata

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

Documents Required for Home Loan in Kolkata

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

Documents Required for Home Loan in Kolkata

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

To check out the list our valid documents, visit our home loan documents page.

How to Calculate EMI for Home Loan Online?

Before availing of a home loan in Kolkata, it’s prudent to know your potential EMI or Equated Monthly Instalment. To do this, you can use an online home loan EMI calculator available on our website.

Input the loan amount you wish to borrow along with the tenure you’re comfortable with and a tentative interest rate to know your monthly EMI. If you’re not happy with the first result, keep trying different combinations until you reach the one you like.

Know that an online home loan calculator can help you figure out the total amount of home loan in Kolkata you should borrow. Once you know this, figure out a home loan repayment plan, and apply for housing finance with us.

How to apply for a Home Loan online in Kolkata?

1

Simply visit our official home loan page, click on ‘Apply Now’ and fill out a digital form that asks for your personal and occupational details. This form will also request you to provide your property and loan details.

2

After filling out the form, our system will check if you fit our eligibility criteria. If you do, our loan experts will physically visit the property you’re interested in purchasing.

3

Once they approve of the site, you’ll receive an E-sanction letter from our end.

4

Soon after you get the letter, the funds will follow, and they will be deposited into your bank account. With such a simple process, apply for a housing loan in Kolkata today!

Other Ways to Apply for a Home Loan in Kolkata

Customer care: 18602676060
Email – contactus@tatacapital.com
Registered Branch – TCHFL, Flat 2 C & 2 D, 2nd Floor, South Block, Park Plaza, 71 Park Street, Kolkata – 700016

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