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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.
An Instant way to fund your larger expenses
At times, you may need additional funds to tackle your personal or business expenses. However, if you have already taken a home loan, the chances of getting another loan become slim, and it isn’t advisable as well. Repaying a home loan in itself can be a long-term and challenging commitment. What you can do in such a situation is avail of a home loan overdraft facility.
The home loan overdraft facility, also known as a home loan OD facility, is a unique facility offered by home loan lenders to their customers. Under the overdraft facility on home loan, they allow their customers to deposit or withdraw funds from a pre-determined home loan OD limit. The borrowers can then repay the withdrawn amount along with the accrued interest by depositing it into the home loan overdraft account.
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₹ 5 lakhs to ₹ 2 crores
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Upto 15 years
Interest rate starting @
8.95% p.a.*
You can avail of our overdraft facility on home loan and enjoy a high OD limit for your emergency financial requirements. However, for that, you’re required to meet our home loan overdraft eligibility criteria, which include:
Your age should be between 24 years to 65 years
You must be a salaried professional or self-employed individual
You should have taken a home loan from us against a housing property
Your credit score should be 750 or more
As an existing home loan customer with Tata Capital, you can avail of our home loan overdraft facility to meet your various financial requirements. Here’s how you can benefit from the OD facility on home loan:
Applying for a home loan OD facility with Tata Capital is easy and convenient. If you’ve already taken a home loan with us, you can apply for an overdraft on home loan in the following ways:
Applying for a home loan OD facility with Tata Capital is easy and convenient. If you’ve already taken a home loan with us, you can apply for an overdraft on home loan in the following ways:
A home loan can help you purchase or construct your dream house without worrying about the requisite finances. At Tata Capital, we understand your housing finance requirements and provide you with the best home loan.
Some benefits of a Tata Capital Home Loan include:
Tata Capital Home Loans are tailored to help you meet all your housing finance requirements. You can use our home loans for the following purposes:
Yes, you can cancel your home loan even after it has been sanctioned. However, the lender may not refund the home loan processing fees that are charged during the home loan sanction process.
If you want to cancel your home loan after receiving your loan sanction letter, you can write to us or contact us on our helpline number. But make sure you do this well before the loan is disbursed.
Yes, you can extend your home loan tenure as long as it is within the maximum loan tenure offered by your lender. At Tata Capital, we offer home loans with maximum tenures of up to 30 years.
By extending your home loan tenure, you can reduce your EMI burden. To increase your home loan tenure, you can contact us on our customer helpline number or visit your nearest Tata Capital branch.
Some common reasons for the rejection of a home loan could be:
If your home loan application is rejected by the lender, find out the exact reason behind it. If a low credit score is responsible, take steps to improve your credit score before reapplying. Also, make sure you check your home loan application thoroughly before submitting it.
At Tata Capital, we provide two types of home loan repayment plans – Standard EMI Plan and Step-Up Flexi EMI Plan. The Standard EMI Plan allows you to pay fixed EMIs for your entire home loan tenure. On the other hand, the Step-Up Flexi EMI Plan offers greater flexibility for housing loan repayment. With the latter option, you can choose to pay lower EMIs initially and then increase them gradually as your income increases.
With Tata Capital, you can apply for a home loan in the following ways:
To apply for a Tata Capital Home Loan online, follow these steps:
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