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If you’ve taken a home loan to buy a fully constructed housing property or a ready-to-move-in house, your house loan amount would be disbursed in full. However, if you’ve taken a housing loan for an under-construction property, your home loan amount would be disbursed in tranches, adhering to the stages of construction of the building. This process is known as subsequent disbursal or tranche disbursal of home loans.
The request for subsequent disbursement of housing finance can be made by a builder who is providing a Construction Linked Payment (CLP) facility for its under-construction properties. Under this facility, the payment for the property has to be made to the builder in tranches or installments upon reaching certain stages of construction of the building. These stages of construction are pre-agreed between the builder and the buyer.
If you’re planning to buy a property with the CLP facility, you can avail of a home loan with subsequent disbursal from Tata Capital. Your home loan EMIs will be calculated only on the disbursed home loan amount.
Home loans with subsequent disbursals are only available for customers who have booked under-construction properties with the CLP facility. Subsequent disbursement requests can only be made by the builders offering this facility, and the disbursals will be done directly into the builders’ bank accounts.
Tata Capital will verify the stage of construction, payment of customer’s contribution (if any), the overdue status of the loan account, etc., before making home loan subsequent disbursals into the builder’s account. Tata Capital reserves the right to reduce the disbursement amount or reject the disbursement request from the builder on account of non-fulfillment or non-adherence to home loan subsequent disbursement guidelines.
You can visit your nearest Tata Capital branch to place a request for subsequent disbursal of your home loan. You can also request for home loan subsequent disbursal online by following a few simple steps mentioned below:
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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