35 Lakh Tata Capital Home Loan

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Are you thinking of purchasing a new house and need a suitable home loan financing option? Then, opt for Tata Capital’s ₹35 lakh home loan. It is specially designed to meet your financial needs. With attractive interest rates starting at 8.75%, Tata Capital housing loan EMI for ₹35 lakh is affordable and flexible. It allows a repayment period of up to 30 years. The ₹35 lakh home loan eligibility at Tata Capital is easy to meet. It caters to salaried individuals, self-employed professionals, and members of housing societies. Tata Capital ensures that many applicants can benefit from this offer. If you’re buying a new property or constructing your dream home, Tata Capital provides a reliable and supportive lending experience.

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35 Lakh Tata Capital Housing Finance Limited Home Loan EMI Calculator

Loan Amount

₹

5 Lac
20 Cr

Loan Tenure

Years

Rate Of Interest

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹35,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 35 Lakh Home Loan Tata Capital Highlights

2. 35 Lakh Home Loan EMI for 5 Years Tata Capital

3. 35 Lakh Home Loan EMI for 10 Years Tata Capital

4. 35 Lakh Home Loan EMI for 15 Years Tata Capital

5. 35 Lakh Home Loan EMI for 20 Years Tata Capital

6. 35 Lakh Home Loan EMI for 25 Years Tata Capital

7. 35 Lakh Home Loan EMI for 30 Years Tata Capital

8. 35 Lakh Tata Capital Home Loan Fees and Charges

9. 35 Lakh Tata Capital Home Loan Documents Required

10. 35 Lakh Tata Capital Home Loan Eligibility Criteria

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Rishabh Baisoy

With a background in journalism and mass communications, Rishabh might be clueless about his plans for the evening, but he clearly knows what to write. A proud cinephile, Rishabh makes the perfect choice to discuss any movie with. Poetry holds a special place in his heart, which mingles well with his wanderlust personality. While he physically exists in India, his heart beats for the red part of Merseyside. Rishabh educates and empowers readers towards financial success at Urban Money.

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Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 14th January 2025

₹35 Lakh Home Loan Tata Capital – Highlights

Have a look at Tata Capital’s home loan interest rates for ₹35 lakhs, along with its highlights:

Features	Details
Loan Amount	Rs. 35,000,00
Interest Rate	Starting at 8.75%
Foreclosure Charges	There are no prepayment charges when paid with one’s own funds
Loan to Value (LTV)	Up to 80-90% of the property value

₹35 Lakh Home Loan EMI for 5 Years Tata Capital

Here is a breakdown of Tata Capital’s housing loan EMI for ₹35 lakhs:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹35 lakhs	8.75% p.a.	5 years	₹72,230	₹8,33,819	₹43,33,819

₹35 Lakh Home Loan EMI for 10 Years Tata Capital

Have a look at the ₹35 lakh home loan EMI for 10 years from the Tata Capital:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹35 lakhs	8.75% p.a.	10 years	₹43,864	₹17,63,724	₹52,63,724

₹35 Lakh Home Loan EMI for 15 Years Tata Capital

For an amount of ₹35 lakhs, Tata Capital’s home loan EMI for 15 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹35 lakhs	8.75% p.a.	15 years	₹34,981	₹27,96,527	₹62,96,527

₹35 Lakh Home Loan EMI for 20 Years Tata Capital

The details for a ₹35 lakh home loan EMI for 20 years from Tata Capital are given below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹35 lakhs	8.75% p.a.	20 years	₹30,930	₹39,23,170	₹74,23,170

₹35 Lakh Home Loan EMI for 25 Years Tata Capital

Tata Capital’s home loan of ₹35 lakhs EMI for 25 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹35 lakhs	8.75% p.a.	25 years	₹28,775	₹51,32,508	₹86,32,508

₹35 Lakh Home Loan EMI for 30 Years Tata Capital

Detailed information about Tata Capital housing loan EMI for 30 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹35 lakhs	8.75% p.a.	30 years	₹27,535	₹64,12,425	₹99,12,425

₹35 Lakh Tata Capital Home Loan – Fees and Charges

Here are the fees and charges for a ₹35 lakh Tata Capital home loan:

Type of Fee/Charge	Details
Processing Fee	Up to 2% of the loan amount + GST
Foreclosure Charges	No prepayment charges when pre-paying with one’s own funds
Delayed EMI Payments	2.36% PM (inclusive of GST) on the defaulted amount
Collection Agency Fee	Charged to the borrower if a collection agency is hired due to loan default
Legal Charges	Fees for legal verification of property documents passed to the borrower
Other Charges	It may include home loan registration, MOD charges, PDC charges, loan cancellation fees, cheque bounce charges, account maintenance fees, and NOI charges

₹35 Lakh Tata Capital Home Loan – Documents Required

The required documents for a ₹35 lakh Tata Capital home loan are given below:

Document Type	Salaried Persons	Self-Employed Persons	NRIs
Age Proof	Passport, Driving License, Birth Certificate, PAN Card	Same as Salaried	Same as Salaried
Photo Identity Proof	Voter ID, Passport, Driving Licence, Aadhaar, PAN Card	Same as Salaried	Same as Salaried
Address Proof	Utility Bill, Bank Statement, Property Registration Documents	Same as Salaried	Same as Salaried
Income Proof	Salary Slips (last 3 months), Bank Statements (last 12 months), Form 16	P/L Statement (last 2 years), Current Account Statements (last 12 months)	Overseas salary account, NRE/NRO statements (last 12 months)
Business Proof	N/A	IT Returns (last 2 years), Business Registration Certificate	N/A
Employment Proof	N/A	N/A	Pay slips (last 6 months), Appointment letter
Credit Report	N/A	N/A	Credit Report from current country
Existing Loan Details	Bank or Loan Statements	Same as Salaried	Same as Salaried
Processing Fee Cheque	From salary account	From business account	From salary or business account

₹35 Lakh Tata Capital Home Loan – Eligibility Criteria

To be eligible for a home loan, applicants must be between the ages of 21 and 65. A stable income is essential, and applicants can use an EMI or home loan eligibility calculator to determine their exact qualifications. The loan tenure ranges from 5 to 30 years, providing repayment flexibility. The loan is open to various employment profiles, including salaried individuals, self-employed professionals, and business owners. Maintaining a good credit score is also important as it shows financial responsibility and plays a significant role in loan approval.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹35 lakh home loan for 20 years in the Tata Capital?

The EMI for a ₹35 lakh home loan for 20 years at Tata Capital with an interest rate of 8.75% is approximately ₹30,930.

Who is eligible for a ₹35 lakh home loan in the Tata Capital?

Applicants aged 21 to 65 with a stable income and a good credit score are eligible for a ₹35 lakh home loan from Tata Capital.

What is the monthly interest rate of a ₹35 lakh home loan in Tata Capital?

The monthly interest rate for a ₹35 lakh home loan from Tata Capital is around 0.73%.

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