Tata Capital Housing Finance Limited Home Loan
Tata Capital Housing Finance Home Loans are designed perfectly for buying the dream home. Tata Capital housing loans extend from Rs. 5 lakhs to Rs. 5 crores and start at an affordable interest rate. The Tata Capital Housing Finance Home Loans include features like home loan amount, tenure, and the EMI period at your convenience. Processing involves minimum documentation and is easy and seamless.
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Check Tata Capital Housing Finance Limited Home Loan Eligibility
Home Loan Banks | Interest Rate | Processing Fee | Rating | Loan Amount/Tenure | |
|---|---|---|---|---|---|
Tata Capital Housing Finance Limited Home Loan | 8.95% | 0.5% | ₹5L - ₹5Cr Tenure(5 - 30 Years) | Details |
Features and Benefits of Tata Capital Housing Finance
- Tata Capital Housing Finance provides a wide range of facilities, not just for buying a property but also purchasing a plot of land for construction, home extension, balance transfer and much more.
- It offers simple and flexible loans with attractive interest rates starting from 8.95% only.
- The Tata Capital Housing Finance home loan eligibility calculator helps you check your eligibility in seconds.
- It provides you flexible repayment options so that you can move into your dream adobe in no time.
Tata Capital Housing Finance Overview
Tata Capital Housing Finance Limited tailors house financing solutions at competitive interest rates. With minimal formalities and paperwork, Tata Capital Housing Finance Limited brings borrowing experience at your comfort.
- Affordable interest rates starting from 8.95%
- Super quick processing and swift disbursal of funds.
- Flexible EMI plans and repayment options
Tata Capital Housing Finance Eligibility Criteria
The basic eligibility criteria laid by Tata Capital Housing Finance for home loans are:
- You should be between the ages of 24 to 65 (at the time of completion of your home loan).
- You should be a salaried individual or a self-employed professional.
- You should maintain a CIBIL score of more than 750.
Salaried Employee
| A minimum salary of Rs. 30,000 per month | Minimum work experience of 2 years |
Self Employed
- For self-employed individuals or entrepreneurs, a minimum of 3 years of experience in their respective fields is required.
NRIs
| The individual must be of the age of 25-65 years. | Must be a salaried individual with at least three years of work experience. |
Tata Capital Housing Finance Fees and Charges
| Category | Fees and Charges |
| Processing Fees | 0.5% on Loan Amount + GST |
| Foreclosure | No charges for paying off your loan before the end of the term with your own funds only. |
| Delayed EMI Payments | A charge of 2% over the housing loan interest rate will be applicable for the period of delay. |
| Collection Agency | A percentage of the total amount owed is collected. It is charged on actuals. |
| Legal Charges | This fee can vary depending on the lending institution. It is charged on actuals. |
Types of Home Loans by Tata Capital Housing Finance
| Types | Description |
| Tata Capital Home Loan |
|
| Tata Capital Home Extension |
|
| Affordable housing loan under PMAY Scheme |
|
Documents Required for Processing of Tata Capital Housing Finance Home Loan
Check out the documents required for the successful application and processing of Tata Capital Housing Home Loan.
Salaried Employees
| Age Proof |
|
| Photo Identity |
|
| Address Proof |
|
| Salary Proof |
|
| Income Proof | Your salary account bank statement for the last 6 months. |
| Processing Fee Cheque | To be issued from the salary account for salaried customers or the business account in case of self-employed. |
| Existing Loan Details | Existing loan details should be provided through bank statements. |
Self Employed/ Entrepreneurs
| Age Proof |
|
| Photo Identity |
|
| Business Proof |
|
| Income Proof |
|
| Existing Loan Details | All existing loan details to be provided via bank statements |
Non-Resident of India (NRIs)
| Age Proof |
|
| Photo Identity |
|
| Address Proof |
|
| Income Proof | Overseas salary account details of the last six months |
| Processing Fee Cheque | For salaried customers, to be paid from the salary account. For self-employed, processing fees to be paid via the business account. |
| Credit Report | NRI applicants should submit a Credit Report of their current country of residence (wherever it is applicable as per Tata Capital norms.) |
| Existing Loan Details | Existing loan details should be provided through bank statements. |
How the EMI Calculation Works for Tata Capital Home Loan?
Tata Capital Housing Finance provides you with an EMI calculator. The calculator uses the below formula to calculate a home loan EMI.
EMI = [P x R x (1+R) ^N]/ [(1+R) ^N-1]
i.e.- EMI = Equated Monthly Instalment
- P = Principal Loan Amount
- R = Monthly Interest Rate
- N = Number of Monthly Instalments
Balance Transfer of Tata Capital Housing Finance
Tata Capital Housing Finance offers home loan transfer where the entire outstanding principal amount of home loan is transferred from an existing lender to a new one offering a lower rate of interest. With Tata Capital Housing Finance Balance Transfer, you will be offered the lowest interest rates starting from 6.85% p.a. You will be provided a home loan top up at relatively lower interest rates to help you meet such additional needs with ease.
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Tata Capital Housing Finance Limited's Other Products
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FAQs
From refinancing to reducing your interest, we have the answers right here.
What is the minimum time period given for repayment?
The minimum time period given to repay your loan is 30 years. (Subject to the retirement age of the borrower or 65 years in the case of self-employed.)
What is the interest rate of the home loan?
The interest rate starts from 6.85% and is flexible. A concession on interest rates is offered to women applicants as well. They also provide subsidised home loans under the PMAY Scheme for low income groups.
What is the maximum and minimum loan amount that Tata Capital Housing finance offers?
Tata Capital Housing Finance offers home loans starting from ₹5 lakhs to ₹5 cores.
Does Tata Capital Housing Finance check the CIBIL Score before processing the loan?
Yes, they check the CIBIL Score and it is suggested that you maintain your CIBIL score above 750.
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