Home Loan for government employees
With Tata Capital, you can apply for a home loan for government employees in a few easy steps and get housing finance at competitive interest rates.
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ProceedDisclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.
When you purchase a house, there are several expenses that you have to bear apart from the cost of the property. These include the registration charges and stamp duty you need to pay while registering the ownership of your new house.
Since the stamp duty and registration charges on properties vary from one state to another, you can use a stamp duty and registration calculator to calculate these charges on your housing property. Tata Capital’s Stamp Duty Calculator is an easy-to-use online tool that can help you evaluate the stamp duty on your property in a hassle-free manner.
Stamp duty and registration charges are one-time charges that have to be paid at the time of property registration. As per the Indian Stamp Duty Act of 1899, if you fail to pay your stamp duty charges, you may incur a penalty at the rate of 2% per month on the outstanding amount. This penalty can go up to as high as 200% of the deficit amount.
When you purchase your first property, you’re required to pay stamp duty and registration charges. Since these charges are levied by the State Government, they vary from one state to another. The stamp duty for first-time homebuyers depends upon various factors, including the market value of the property, type of property, location, age, and gender of the buyer, among others.
Usually, stamp duty ranges between five to ten percent of the property’s market value, and registration charges tend to be between one to two percent of the property’s market value. To know the exact stamp duty amount that you need to pay, you can use an online stamp duty calculator.
There are no provisions for different stamp duty rates for second or third properties in India. It means that you are required to pay your stamp duty at the same rate, irrespective of whether it is your first or second property. You can conveniently pay your stamp duty online or offline.
While calculating stamp duty on your property, you are required to enter the market value of your property in a stamp duty calculator. Ideally, stamp duty officials use a Stamp Duty Ready Reckoner to calculate the valuation of a property and the resulting stamp duty.
This value is calculated as per the market worth of a property based on the State Government’s regulations. The State Governments publish their stamp duty rates every year to ensure the fair calculation of stamp duty charges.
The stamp duty charges for a property depend upon its market value and the state in which it is located. Each state has its own criteria for calculating stamp duty charges. They consider various factors - including the market value of a property, type of property, age, location, and gender of the buyer - to determine stamp duty rates.
Stamp duty rates in India vary between five to ten percent in different states. For instance, if the market value of your property is Rs. 50 lakhs and the applicable stamp duty rate is 7%, the payable stamp duty will be 7% of Rs. 50 lakhs, i.e., Rs. 3.5 lakhs.
You can use an online stamp duty calculator to determine the stamp duty payable on your property. With Tata Capital Stamp Duty Calculator, you can evaluate your stamp duty in the following steps:
Step 1 - Select the state where your property is located from the dropdown list.
Step 2 - Select the gender of the property owner from the dropdown list. The property can be in the name of a male, female, or joint ownership.
Step 3 - Enter the area value or market value of your property in Rupees.
As soon as you enter these values in our home loan stamp duty calculator, your final stamp duty and the applicable stamp duty rate will be displayed instantly.
Overall the experience was good and hope to continue the same. Also Tata Capital executive were nice and polite from the beginning.
Loan Against Property | 13 January, 2023
Thank you TATA Group for making India proud with all your hassle free and excellent services, Thanks Team
Personal Loan | 31 December, 2022
I want to thank Tata Capital for giving Loan, During the process I was kept updated. Wanted to thank Tata Capital executive for answering my queries and keeping me updated on Status. Thank you
Personal Loan | 30 December, 2022
This is surprisingly easiest way to avail personal loan. I am completely happy with the service provided. Thank you team TATA CAPITAL!
Personal Loan | 28 December, 2022
I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital
Business Loan | 24 December, 2022
One of the best Mobile App, Tata capital only took 3-4 working day for loan approval.
Personal Loan | 23 December, 2022
The services of Tata Capital is very good.. Approval process, loan charges are not hidden, every aspect was explained to me by Tata Capital executive before taking loan, very good transparency. Keep it up..
Personal Loan | 10 December, 2022
Excellent customer service with clarity and politeness. Thanks to TATA Capital having wonderful field staff.
Two Wheeler Loan | 08 December, 2022
I am very happy that I got timely loan in my worst time.
Personal Loan | 07 December, 2022
A home loan, or a housing loan, refers to a sum of money borrowed from a financial institution to buy a new house. With a Tata Capital Home Loan, you can avail of high-value financing for convenient tenures at competitive interest rates.
You can apply for a housing loan for the following purposes:
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.
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