Looking for your dream property? We’ve found some for you.

A house 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 housing finance.

Some benefits of a Tata Capital Housing Loan include:

Tata Capital Home Loans are tailored to help you meet all your housing finance requirements. You can use our housing finance for the following purposes:

Yes, you can cancel your house loan even after it has been sanctioned. However, the lender may not refund the housing loan processing fees that are charged during the house loan sanction process.

If you want to cancel your house 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 housing loan tenure as long as it is within the maximum loan tenure offered by your lender. At Tata Capital, we offer loans for home with maximum tenures of up to 30 years.

By extending your housing loan tenure, you can reduce your EMI burden. To increase your house 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 house loan could be:

At Tata Capital, we provide two types of housing 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 housing 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 housing finance in the following ways:

Yes, you can cancel your housing finance even after it has been sanctioned. However, you need to do it before the disbursement of the loan amount.

If you wish to cancel your house loan after receiving the loan sanction letter, you can write to us or call our helpline.

Yes, you can extend your housing loan tenure. At Tata Capital, we provide a housing loan tenure of up to 30 years. By extending the housing loan tenure, you can benefit from lowering your EMI burden.

Contact us through our helpline or visit the closest Tata Capital branch to extend your house loan tenure.

There are many reasons why a lender may turn down your house loan application. A few of them are listed below:

Tata Capital offers two ways to repay your home loan - the Standard EMI Plan and the Step-Up Flexi EMI Plan. 

With the Standard EMI Plan, you pay the same monthly amount until your house loan is fully paid.

The Step-Up Flexi EMI Plan allows you to start with lower payments and gradually increase them as you earn more.

You can save money on taxes when you take a housing loan by using certain schemes mentioned in the Income Tax Act 1961.

Section 80C allows you to get a housing finance deduction of up to Rs 1.5 lakhs on the principal amount you repay. And section 24(b) allows you to get a deduction of up to Rs 2 lakhs on the interest amount you pay.

You can choose from different types of loans for homes based on what you need:

Tata Capital provides a house loan tenure of up to 30 years. You can select the loan duration that works best for you. You can also use the Tata Capital home loan EMI calculator to determine the monthly EMI amount you need to pay to repay your house loan. This way, you can choose a tenure and EMI amount that is affordable for you.

It's not mandatory to get an insurance policy while taking a home loan, but having one can be helpful. Here are some benefits of house loan insurance:

When you take a house loan, the home you're buying is typically the collateral. But other types of properties can be used as collateral too. Such as:

If you take a joint housing loan, you can have anywhere from 2 to 6 applicants, depending on what the bank allows. Co-applicants can be family members, like spouses, parents, siblings, or children.

Having a co-applicant can help increase your housing finance eligibility because Tata Capital considers all your co-applicants income and credit scores while determining the loan eligibility.

Yes, you can avail of tax benefits on your house loan. Here's how:

Yes, you can sell a property that still has an outstanding loan on it. However, you'll need to get a No Objection Certificate (NOC) from the lender first. This means you need to inform your bank of your plans to sell the property or when you start the process.