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Own Your Home in Mumbai with Tata Capital Home Loans

Sharpest Real Estate Movement in Last 5 Years

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. 

Reasonable and Quality Construction

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 @

    7.99%* p.a.

    View Rates & Charges

Home Loan EMI Calculator

Loan amount

₹
₹75,000 ₹35,00,000

Loan duration

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12 Months 72 Months

Rate of interest

%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

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    Features and Benefits of Home Loan in Lucknow

    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:

  • Attractive Interest Rates

    Tata Capital offers affordable home loans with attractive interest rates. So, monthly instalments of your dream house in Lucknow cost you less. Visit our website to check our latest interest rates.

  • Hassle-free Approval

    Lucknow is known for an easy-going lifestyle, and we make sure getting a home loan is not a hassle. We have the easiest eligibility criteria to fast-track your loan approval. Upon confirmation of your eligibility, we process your loan without any delay.

  • Easy Repayment

    With Tata Capital, you can opt for extended loan tenure of up to 30 years. So, you can repay the loan at your own pace.

  • Loan Tailored to Your Needs

    Our home loans in Lucknow are tailored to your housing needs. Whether you want to finance an apartment, an independent house, or construct a place, we have got you covered.

  • Booming Real Estate

    Lucknow is growing rapidly, and it shows in the real estate trends. The value of properties in the city has increased in the past few years and are likely to grow with new investments pouring in. Now is the time to invest in a home in Lucknow.

Home Loan Interest Rates in Lucknow?

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. 

Eligibility Criteria for a Home Loan in Lucknow?

  • 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
  • For NRIs (Non-Resident Indians), individuals should be employed with a minimum work experience of three years

Documents Required for Home Loan in Lucknow

  • 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

  • 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

  • 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

Check out the complete list of home loan eligibility and documents here!

How to apply for a Home Loan online in Lucknow?

    1

    To start your application, click on “Apply Now” and fill out our digital form. After which, we will verify whether your details match our home loan eligibility criteria. If it does, we’ll ask you to upload soft copies of relevant documents.

    2

    Once we've got your form and documents, one of our loan experts will conduct a site visit to determine the property's condition. If all goes well, we will approve the loan.

    3

    You can then download the E-sanction letter online. This is the full and final proof of your loan’s approval.

    4

    When we approve your loan, you will receive the loan amount in your bank account as soon as possible. Don’t worry, we don’t take too long! So, choose the easy road to purchasing your dream home in Lucknow by applying for a housing loan in Lucknow with Tata Capital.

Apply Now

Other Ways to Apply for a Home Loan in Lucknow

  • Customer care: 18602676060

  • Email – contactus@tatacapital.com

  • Registered Branch – 6th Floor, 11 MG Marg, Halwasiya Complex,  Habibullah Estate, Hazratganj, Lucknow-226001.

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FAQ's on Housing Loan in Lucknow

What is the minimum salary to avail of a home loan in Lucknow?

To qualify for a Tata Capital home loan, salaried individuals need a minimum monthly income of ₹30,000.

How much is the downpayment on a home loan in Lucknow?

The exact amount depends on factors such as the loan program, lender policies, and your financial profile.

Do I need to provide any security or collateral to apply for a home loan in Lucknow?

Yes, you need to provide security or collateral.

How to Calculate EMI for Home Loan Online?

To calculate EMI for a home loan online, use Tata Capital's Home Loan EMI Calculator. Enter the loan amount, tenure, and interest rate to get an instant EMI estimate.

How long does it take to get a housing loan in Lucknow?

The time to get a housing loan from Tata Capital typically depends on document verification and approval processes. With complete documentation and eligibility checks, loans can be approved quickly, often within a few days.

Can I prepay my home loan in Lucknow? Are there any charges associated with it?

For floating interest rate loans, no prepayment charges apply. However, for fixed interest rate loans, nominal charges may be applicable.

Are there any additional charges for home loans in Lucknow?

Yes, Tata Capital home loans may include additional charges such as processing fees, legal fees, valuation charges, and administrative costs. These charges vary based on the loan amount and terms.

How to get a home loan with a low cibil score in Lucknow?

Improve credit, show stable income, offer collateral, get a guarantor, or opt for a higher interest rate.

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Looking for a bungalow or an apartment? With Tata Capital Home loans, find a dream home and make it your reality. Ab aapke sapnon ka ghar aapke naam! 

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