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Tata Capital Home Loan

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Product Rating

4.6 /5

Total - 339 ratings

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Mode of Process

Mail

Lending Size and Tenure

5 Lacs- 5 Crore (Upto 13 Years)


ROI

7.75%* onwards

Processing Fees



0.5% of the loan amount onwards

+ GST

Foreclosure


No Foreclosure Charges

Partial Payment Allowance


No

USP

You can choose your loan amount, EMI plan, and tenure as per your convenience and repayment capability to repay

Delayed Payment Charges

2% in existing interest rate



It doesn’t matter if you are building a home for the first time or moving to an existing one, Tata Capital’s home loan offerings are just what you need. Further, our housing loans come with several options and benefits that have been specially designed to make your dream home through a Tata Capital home loan a reality. If you are looking for a loan to purchase your dream home, Tata Capital has a plethora of options for you. We offer home loans that range from Rs. 5 lakhs to Rs. 5 crores, and start at an interest rate of just 7.75%. This means you can use the loan amount to pay the seller or builder in installments without having to worry about higher interest rates. Just think of it as a constant investment in your home—the biggest investment of your life!

Here are a few factors about Tata Capital Home Loan

Mode of Process

Mail

Lending Size and Tenure

5 Lacs- 5 Crore (Upto 13 Years)


ROI

7.75%* onwards

Processing Fees



0.5% of the loan amount onwards

+ GST

Foreclosure


No Foreclosure Charges

Partial Payment Allowance


No

USP

You can choose your loan amount, EMI plan, and tenure as per your convenience and repayment capability to repay

Delayed Payment Charges

2% in existing interest rate



Eligibility

Documents Required

  • The age of the applicant should be between 24 to 65

  • The applicant should be a salaried individual or self-employed

  • The minimum monthly salary must be 30k.

  • The min. Employment experience should be 2-3 years.

  • Minimum CIBIL score has to be 750



  • Proof of Age (Copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card & School Leaving Certificate)

  • Proof of Identity ( Copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card)

  • Address Proof (A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID)

  • Last k Month Salary Bank Statement in PDF

  • Last 3 Month Salary Slip

  • Existing Loan Details ( If Any)

  • Processing Fee Cheque


FREQUENTLY ASKED QUESTIONS

Have a question? We've got answers!

Yes, it does impact your eligibility not just for Home loans but all sorts of financial support. In simple terms, a CIBIL score is a numerical value assigned to you based on your credit history and indicates how likely you are to repay any money borrowed by you.

Before you apply for a home loan, it is important to know what factors determine your eligibility. This is because some factors are within your control while others are outside of your control. The factors that influence your eligibility are the age of the borrower and co-borrower, financial background, work experience, income, and the CIBIL score of the borrower. A CIBIL score of 750+ should improve a borrower's chances of getting his or her preferred type of loan.

The minimum salary requirement for a salaried individual is 30,000.

Adding a co-applicant would mean an additional income source for your repayment capacity. One of the best ways to increase home loan eligibility is by having co-owners and co-applicants. A co-applicant gives you more flexibility in arranging funds and other accommodation options to ensure lower EMI's and better repayment capacity.

Yes, you can apply for a Tata Capital home loan even if you have an ongoing loan. Although you will have to submit the existing loan document to Tata Capital with the application.

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