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Quick Cash loan is a unique Pre-Approved personal finance top-up linked to your existing Tata Capital Housing Finance Limited (TCHFL) loans. This loan is only for existing TCHFSL Home Loan and Home Equity customers. Apart from its unique features , it also offers other advantages such as, faster processing , paperless journey, notwithstanding that all this could be availed in just a few clicks at your convenience any day 24*7.
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Yes, you can apply for the quick cash loan facility if you have an existing home loan. The fast cash loan can also be availed of if you have Tata Capital Housing Finance Limited (TCHFL) loan or are an existing Tata Capital home equity customer.
The interest rates for the quick cash loan can differ based on your CIBIL score, profession, and other factors. Here's a table that can help:
| CIBIL (Credit Information Bureau India Limited) score | SAL | SENP (Self-Employed Nonprofessional) / SEP (Self-Employed Professionals) |
|---|---|---|
| 700 to 750 | 12.75% | 14.00% |
| 750 to 800 | 11.75% | 13.00% |
| 800+ /0 /-1 | 11.25% | 12.50% |
Please note this pricing is applicable with immediate effect and will be valid till 30th June 2023. In addition to this, you also have to pay a processing fee amounting to 1% of the loan amount for digital and offline loans with a minimum PF capping of Rs 1000.
The maximum sum for a quick cash loan is pre-approved and will be shown to you only after you log in to the Tata Capital website. The maximum eligible amount can be reduced based on your financial needs, but you cannot increase it and avail of more funds. The TCHFL contact center can help in the case of any queries or doubts regarding the loan amount.
Typically, the maximum tenor for a quick cash loan can be up to 7 years, and the minimum tenor can be one year. However, the maximum loan tenure can be altered based on your customer profile and requirements. We offer varying loan tenor options of 12, 24, 36, 48, 60, 72, and 84 months to choose from. You can browse through and pick a tenor that suits your budget.
There are two modes for applying for a Fast cash loan - digital and offline.
Here are the requirements to be eligible for the home loan fast cash loan:
You do not need to submit any documents when applying for the digital quick cash loan. These loans are entirely digital and paperless. However, you need to fill a separate docket when applying for the offline fast cash loan, along with KYC (Know Your Customer) documents.
Yes, you can prepay or foreclose your quick cash loan. We charge a foreclosure fee of 4.0% of the principal outstanding amount at the time of foreclosure, along with the applicable Goods and Services Tax (GST) for fixed and floating rate schemes.
We also charge a prepayment fee of 4% along with GST on the prepaid amount over 25% of the principal outstanding as of 1st April of the respective financial year for fixed and floating rate schemes.
The quick cash loan for home loans has some associated costs and fees. These include prepayment charges, foreclosure fees, stamp duty charges, processing fees, home loan interest rates, etc.
Yes, you can apply for the quick cash loan facility on a home loan online. Here are the steps for the same:
Yes, you can use the quick cash loan facility for a home loan for your business if you already have a running home loan with Tata Capital and qualify for all the policy criteria under the program.
If you fail to make your quick or fast cash loan payments on time, a non-technical bounce will be reflected in your CIBIL report. You will then have to clear all outstanding dues and amounts, along with any charges mentioned in the MITC (Most Important Terms and Conditions), in full.
It is advised to make all payments on time to maintain a good CIBIL score and avoid extra charges.
No, the Fast cash loan facility is an unsecured loan. It can be availed of with minimal delinquencies and a clear repayment history. There are no tax advantages associated with this type of loan.
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