TATA Capital Home Loan
TATA Capital offers affordable housing loans at attractive interest rates starting from 7.99% p.a. You can avail a maximum loan amount of Rs.5 crore on extended loan tenures up to 30 years. The processing fee is up to 0.5% of the loan amount plus applicable taxes.
We found 1 Tata Capital Home Loan
Balance Transfer
Tata Capital Limited Home Loan
Loan Amount
:Up to ₹3Cr
Floating
:8.70%
Tenure
:Up to 30 Years
Processing Fee
:2.00%
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Fees & Charges
- Preclosure fee = 2%
- Part payment fee = ₹0
Documents
- KYC-PAN, address & ID proof
- Income proof, bank statement and Property Documents
What you'll love
- No Guarantor required
Perks
Balance Transfer
Top-up Loan Available
Part-Payment Available
No Guarantor Required
Door Step Service
E-Approval
Think about
- This Company is not a partner. Visit its website/branch office for more details. Trademarks, logos and other intellectual property belong to their respective owners.
Tata Capital Home Loan Details
With Tata Capital, you get home loans at competitive rates and special guidance throughout the process. Here's a snapshot of the salient features of their housing loan schemes:
Reference Rate | 17.45% |
Loan Amount | Minimum: Rs.5 lakh Maximum: Rs.5 crore |
Processing Fees | 0.5% of the loan amount onwards + GST |
Penal Interest Rate | Extra 2% on applicable rate for the duration of delay |
Prepayment/Foreclosure Charges | NIL for own-source payments, 2% for non-individuals and balance transfer on fixed-rate |
Max Tenure | 30 Years |
Rate Packages Available | Floating/Fixed |
Compare: Home Loan Interest Rate all Banks
Taking a home loan is a huge commitment. And getting into such a commitment means that you should know all the conditions and additional fees and charges associated with your home loan. Make sure you know all these details before applying for a home loan.
Tata Capital Home Loan Interest Rates
The table below contains the current interest rates of home loans offered by Tata Capital:
Tata Capital Home Loan Schemes | Interest Rate (p.a.) |
Home Loan | 7.99% p.a onwards |
Home Extension Loan | 8.70% p.a onwards |
Affordable Housing Loan | 10.10% p.a onwards |
Tata Capital Home Loan Schemes
Tata Capital Home Loan
Tata Capital offers home loans from ₹5 lakh to ₹5 crore with interest rates starting at 7.99% per annum. The loan process is simple, and you can choose between fixed or floating interest rates. There’s also an option to reduce your loan tenure during repayment. A processing fee of 0.5% of the loan amount applies. Whether you're buying a new home or refinancing, Tata Capital provides a smooth and flexible loan experience.
Tata Capital Home Extension Loan
This loan is ideal if you want to extend, expand, or modify your existing home. You can borrow between ₹2 lakh and ₹5 crore, with interest rates starting from 8.70% per annum. The processing fee varies depending on the loan amount. Enjoy easy documentation, flexible EMI plans, and tax benefits of up to ₹30,000 on the interest paid annually.
Affordable Housing Loan under PMAY Scheme
Tata Capital also offers home loans under the Pradhan Mantri Awas Yojana (PMAY) for lower and middle-income families.
- Loan Amount: Starts from ₹2 lakh
- Interest Rates: From 10.10% p.a., with government subsidy rates starting at 3%
- Processing Fee: 1% of the loan amount plus applicable charges
- Eligibility: Household income must be between ₹3 lakh and ₹18 lakh
- Full legal check of your property is included. This loan is designed to make housing more accessible and affordable for eligible families.
Tata Capital Home Loan Calculator
Use the Tata Capital EMI Calculator available on BankBazaar to calculate your monthly payments. Enter basic loan details like loan amount, tenure, interest rate, and processing fee. The tool instantly shows your EMI along with a full repayment breakdown and amortization schedule. It’s a quick and easy way to plan your loan repayments better.
Tata Capital Home Loan Eligibility Criteria
Age | Employment |
Home Loan - | Salaried - |
Home Extension Loan - | Entrepreneur- |
Documents Required for All Home Loan Applicants Under TATA Capital
Age Proof | Photo Identity Proof | Address Proof |
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Income Proof:
For Salaried Individuals | For Self-Employed Individuals |
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Other Documents:
- Business Proof for self-employed individuals: IT Returns for the last 2 years; Business Profile; Business Registration Certificate.
- Loan account statement indicating repayments in the case of any ongoing loans.
- Duly filled loan application form affixed with passport size photographs of the applicants/co-applicants.
- Processing fee cheque from the borrower's account (Salary account in the case of salaried borrowers or business account in the case of self-employed borrowers).
FAQs on TATA Capital Home Loan
- Who can avail a home loan from Tata Capital?
You can apply for a Tata Capital housing loan if you are looking to: Purchase a new house/flat, Purchase a residential plot and build a house on it later, Remodel your existing property, To add/extend your existing house/apartment.
- What is the maximum loan tenure offered for repayment of the loan
You can extend your loan term up to 30 years to repay your debt comfortably.
- Is the processing fee refundable?
No, the processing fee is a one-time expense incurred by the bank to process your loan application. The fee will be non-refundable whether your loan application has been approved or not.
- What are the various loan repayment options offered by Tata Capital?
You can repay your Tata Capital loan through: Electronic Clearance Services (Your EMIs will be debited from your loan account)., Post Dated Cheques.
- Can I opt for fixed rate housing loans?
Yes, you can choose a fixed rate home loan for the first three years of the loan repayment tenure. Once the 3-year period is complete, your loan will be automatically converted to floating rate type with your consent.
- How can I reduce the loan tenure on my loan?
You can bring down the loan term either by making prepayments towards your home loan or by increasing your payable Equated Monthly Instalments (EMIs).
- How can I obtain my home loan statement?
You can get your home loan statement by visiting the customer portal which you can log in to by entering the details provided in the welcome letter offered by the lending institution. You can also obtain the Provisional Interest Certificate in the same manner.
- Who can be co-applicant while applying for the loan?
An immediate family member such as your spouse, parents, children or siblings can be made a co-applicant while applying for a home loan. All co-owners of the property must be co-applicants for the loans. However, co-applicants need not be co-owners of the property.
- How long will it take for TATA Capital to sanction my loan application?
In the case of salaried applicants, TATA Capital can take up to 4-5 days to sanction your home loan application. On the other hand, the loan sanction period for self-employed applicants is 7-8 days. Once the lending institution has processed your loan application, you will receive a loan sanction letter confirming your eligibility for the loan.
News about TATA Capital Home Loan
Tata Capital Housing Finance partners with Star Housing Finance
Star Housing Finance and Tata Capital Housing Finance teamed up to provide more affordable rates to economically weaker sections (EWS) and low-income groups (LIG). Leveraging TCHFL's strength and STAR HFL's distribution network, they adopt a tech-powered co-lending approach. This partnership targets customers across various regions, capitalizing on differential origination capabilities. Kalpesh Dave, CEO of Star HFL, expressed satisfaction with this venture, aiming to assist 5000 families in operational geographies within 6-8 quarters. Tata Capital Housing Finance spokesperson highlighted their commitment to serving underserved homebuyers, enhancing their loan portfolio with quality assets
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