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Own Your Home in Pune with Tata Capital Home Loans

Vast IT Sector

It's not a secret that Bangalore and Pune were some of the first cities in India where the IT boom became starkly evident. Till date, you'll find professionals from across the country flocking to Pune to work in the IT and automotive sectors. If you're one of them, it's time to take a home loan in Pune. Moreover, given the present real estate climate in the city, your property prices will continue to appreciate rapidly. 

Quality Homes for all pockets

One of the best things about the residential real estate sector in Pune is that it offers well-constructed houses for all budgets. This is due to a large number of working professionals living in the city. While some are well established, many are starting afresh. So, wherever you are within your professional journey, you’ll end up finding a good quality house in Pune. 

  • 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

1 Years 6 Years

Loan duration

12 Months 72 Months

Rate of interest

%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

    0*

  • Total Interest Payable

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Total Amount Payable

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    Features and Benefits of Home Loan in Pune

    Pune has emerged as a favourite city among professionals making it a perfect place to have a house. Tata Capital has you covered if you plan on getting a home in Pune.

  • Lowest Interest Rates

    With Tata Capital, you get some of the lowest interest rates on home loans in Pune. So, your dream house becomes more affordable with small monthly instalments.

  • Multi-purpose Loan

    Pune has an abundance of residential properties for individuals of diverse tastes. You can use the loan amount to finance apartments or independent houses, and you can also use the loan to construct your dream house.

  • Basic Eligibility Criteria

    Tata Capital’s easy-to-meet eligibility criteria ensure getting a loan is not a hassle. If you are eligible for a loan, we process your loan without any delay. Use our Loan Eligibility Calculator to check your loan eligibility.

  • Flexible Loan Tenure

    To make repayment easier, Tata Capital offers flexible loan tenure. You can opt for a repayment period of up to 30 years to repay the loan at your own pace.

  • Future-proof Investment

    A house is also a great investment that appreciates over time. Pune is growing rapidly, and as more students and professionals move to the city, your investment will become more valuable.

Home Loan Interest Rates in Pune?

The interest rates on home loans are at an all-time low across the country, so why should Pune be any different. This is especially true when you apply for a housing loan in Pune with Tata Capital.

You can refer to the section below to learn about our current home loan interest rates in Pune. At these rates, not only will you be able to repay your EMIs quickly, but you can also borrow more than you'd planned and purchase an even better property.

So, make the most of some of these lowest home loan interest rates in Pune at Tata Capital and apply today! 

Eligibility Criteria for a Home Loan in Pune?

Use our eligibility calculator to find out your eligibility in no time at all! These criteria will depend on whether you are salaried or self-employed, and your CIBIL score (usually above 750+).

  • You must be between 24 and 65 years of age

  • Salaried applicant’s minimum salary: Rs. 30,000
  • Salaried applicant’s minimum work experience: 2 years
  • Self-employed applicant’s minimum work experience in the current field: 3 years
  • NRI (Non-Resident Indians) applicants must be salaried with a minimum work experience of 3 years

Documents Required for Home Loan in Pune

  • 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

How to apply for a Home Loan online in Pune?

    1

    Simply click on 'Apply Now' and provide us with your personal and occupational details, including your property details. At this stage, we'll also ask you to share the loan amount you're seeking.

    2

    Once you've provided us with these details, our system will quickly match your application with our home loan eligibility criteria.

    3

    If all looks good, a loan expert will perform a quick site visit. We will assess the property you're purchasing and generate an e-sanction letter.

    4

    Finally, the loan is approved, and the required funds are sent straight into your account. This is it! In just four simple steps, you come close to purchasing a house. So, what are you waiting for? Apply for a housing loan in Pune with us now!

Apply Now

Other Ways to Apply for a Home Loan in Pune

  • Customer care: 18602676060

  • Email – contactus@tatacapital.com

  • Registered Branch – Office No.402, 4th Floor, Bhakti Genesis S.No. 245 Aundh-Wakad main Road, Opp. Mahindra Service Station, Wakad, Pune-411057

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FAQ's on Housing Loan in Pune

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

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 Pune?

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 Pune?

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 Pune?

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 Pune? 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 Pune?

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 Pune?

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

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