4 Crore Tata Capital Home Loan

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Tata Capital’s ₹4 crore home loan is designed for those looking to buy high-value properties. It provides flexible tenure options with affordable fees and convenient repayment. The competitive interest rates keep monthly instalments manageable. The loan is open to salaried professionals, self-employed people, and business owners. Easy online applications and fast approvals make the process quick. You can even use ₹4 crore loan EMI calculator of Tata Capital to calculate the estimated EMI. Choose Tata Capital for reliable support in making your dream home a reality.

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4 Crore Tata Capital Housing Finance Limited Home Loan EMI Calculator

₹
  • 5 Lac
  • 20 Cr
Years
  • 5
  • 30
%
  • 6
  • 20

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹4,00,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 4 Crore Home Loan Tata Capital Highlights

2. 4 Crore Home Loan EMI for 5 Years Tata Capital

3. 4 Crore Home Loan EMI for 10 Years Tata Capital

4. 4 Crore Home Loan EMI for 15 Years Tata Capital

5. 4 Crore Home Loan EMI for 20 Years Tata Capital

6. 4 Crore Home Loan EMI for 25 Years Tata Capital

7. 4 Crore Home Loan EMI for 30 Years Tata Capital

8. 4 Crore Tata Capital Home Loan Fees and Charges

9. 4 Crore Tata Capital Home Loan Documents Required

10. 4 Crore Tata Capital Home Loan Eligibility Criteria

Read more
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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.
Reviewed By
Amit Prakash Singh
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: 15th January 2025

₹4 Crore Home Loan Tata Capital – Highlights

Here are Tata Capital’s home loan interest rates for ₹4 crores, along with highlights:

Key Highlights Details
Loan Amount ₹4,00,00,000
Interest Rate Starting from 8.75% p.a.
Loan to Value (LTV) Up to 80-90% of the property value
Foreclosure Charges 2.36% per month on the defaulted amount (inclusive of GST)

₹4 Crore Home Loan EMI for 5 Years Tata Capital 

Tata Capital’s housing loan EMI for ₹4 crores is mentioned below in detail:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹4 Crores 8.75% p.a. 5 years ₹8,25,489 ₹95,29,358 ₹4,95,29,358

₹4 Crore Home Loan EMI for 10 Years Tata Capital 

Here are the ₹4 crore home loan EMI for 10 years from Tata Capital:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹4 Crores 8.75% p.a. 10 years ₹5,01,307 ₹2,01,56,840 ₹6,01,56,840

₹4 Crore Home Loan EMI for 15 Years Tata Capital

For an amount of ₹4 crores, the EMI for 15 years is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹4 Crores 8.75% p.a. 15 years ₹3,99,779 ₹3,19,60,303 ₹7,19,60,303

₹4 Crore Home Loan EMI for 20 Years Tata Capital

A ₹4 crore home loan EMI for 20 years from Tata Capital is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹4 Crores 8.75% p.a. 20 years ₹3,53,484 ₹4,48,36,228 ₹8,48,36,228

₹4 Crore Home Loan EMI for 25 Years Tata Capital 

Tata Capital’s home loan of ₹4 crores EMI for 25 years is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹4 Crores 8.75% p.a. 25 years ₹3,28,857 ₹5,86,57,236 ₹9,86,57,236

₹4 Crore Home Loan EMI for 30 Years Tata Capital 

Tata Capital’s home loan of ₹4 crores EMI for 30 years is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹4 Crores 8.75% p.a. 25 years ₹3,14,680 ₹7,32,84,858 ₹11,32,84,858

₹4 Crore Tata Capital Home Loan – Fees and Charges 

Here are the fees and charges for a ₹4 crore Tata Capital home loan:

  • Processing Fee: A one-time fee of up to 2% of the loan amount + GST is charged for processing the home loan.
  • Foreclosure Charges: No charges for prepayment if the borrower uses their funds.
  • Late EMI Charges: If an EMI is delayed, a penalty of 2.36% per month (inclusive of GST) is charged on the defaulted amount.
  • Collection Agency Fees: These are applied if a collection agency is hired to recover payments due to loan default.
  • Legal Fees: Costs for the legal verification of property documents passed on to the borrower.
  • Other Fees: These include home loan registration, MOD charges, post-dated cheque (PDC) charges, loan cancellation fees, cheque bounce fees, and account maintenance fees.

₹4 Crore Tata Capital Home Loan – Documents Required

Here are the required documents for a ₹4 Crore Tata Capital home loan applicable to salaried, self-employed, and NRIs:

Document Type Description
Age Proof Passport, Driving License, or Birth Certificate to confirm you’re between 21 and 65 years old.
Photo ID Aadhaar Card, Passport, or Voter ID to verify your identity.
Address Proof Utility Bill, Bank Statement, or Property Registration to show your current address.
Income Proof Salaried: Last 3 months’ Salary Slips and Bank Statements. Self-employed: Income Tax Returns and Profit & Loss Statements.
Existing Loan Details Bank or Loan Statements to review your current debts.
Processing Fee Cheque Cheque from your salary or business account to cover processing fees.

₹4 Crore Tata Capital Home Loan – Eligibility Criteria

Here are the eligibility criteria to get a 4 Crore Tata Capital home loan:

  • Age: Applicants must be between 21 and 65 years old.
  • Income: A stable source of income is required to qualify.
  • Loan Tenure: Loan periods can range from 5 to 30 years.
  • Employment: Open to salaried individuals, self-employed professionals, and business owners.
  • Credit Score: A good credit score is essential to demonstrate financial responsibility.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹4 crore home loan for 20 years in the Tata Capital?

The EMI for a ₹4 crore home loan for 20 years at Tata Capital with an 8.75% interest rate would be ₹3,53,484.

Who is eligible for a ₹4 crore home loan in the Tata Capital?

Individuals between 21 and 65 years old, with a stable income and good credit, can apply for a ₹4 crore home loan from Tata Capital.

What is the monthly interest rate of a ₹4 crore home loan in Tata Capital?

The monthly interest rate for a ₹4 crore home loan from Tata Capital is about 0.73%.

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