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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.
Not many know this, but as per the Reserve Bank of India's (RBI's) housing price index for the last quarter of FY 2018-19, the real estate prices in Lucknow have appreciated by 13%. This is already luring a huge number of investors into taking a home loan in Lucknow to buy a property.
Even with the sharp rise in real estate prices in Lucknow, quality housing is still affordable within city limits, especially when compared to its counterparts like Jaipur and Kanpur. However, no one knows how long this spell will last, which is why it’s prudent to buy a home here now.
Loan amount offered
₹5,00,000 - ₹5,00,00,000
Loan tenure
Up to 30 years
Interest rate starting @
9.15%* p.a.
The “Cultural Capital” of North India is one of the best cities to live in. It is a rapidly growing tier 2 city with heavy investments being made across the city. If you plan to buy a house in the city, you need to check out Tata Capital’s home loans in Lucknow. They offer:
Taking a housing loan in Lucknow or anywhere only works in your favour when you get it at the desired interest rate and home loan repayment tenure. Therefore, we'll have you know that housing finance interest rates are presently at an all-time low.
So, if you’re looking for one, turn to Tata Capital. We offer some of the lowest home loan interest rates in Lucknow. Moreover, we also provide flexible repayment tenures and requests for minimal documentation.
When you opt for a housing loan in Lucknow or anywhere else, a low-interest rate can significantly increase your borrowing capacity. Simply put, given the low ROIs, you can now borrow more and purchase a property that was previously out of range for you.
Check out the complete list of home loan eligibility and documents here!
Ditch the old school methods of using a pen and paper or asking your local expert to guess your potential EMIs. Instead, use an online home loan EMI calculator to accurately figure out your monthly instalments. You can find this nifty tool on our website. Not sure how to use it?
All you need to do is input three values – your total loan amount, tentative ROI and desired tenure. The minute you provide these figures, the calculator will tell you your potential monthly instalment. You can also manually input the values as usually home loan EMI calculators contain both sliders as well as text boxes to record values.
Using a calculator to pre-empt your monthly instalment can help you arrive at an amount you can afford to borrow. So, use our home loan EMI calculator and apply for a home loan in Lucknow right away!
Customer care: 18602676060
Email – contactus@tatacapital.com
Registered Branch – 6th Floor, 11 MG Marg, Halwasiya Complex, Habibullah Estate, Hazratganj, Lucknow-226001.
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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