Hi dear readers, hope you are doing well, today we will know about How to get Tata Capital Home Loan, Eligibility, Interest Rate, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.
Hhome loan comes under the category of secured loan. To take this loan, the applicant has to give full guarantee to the lender. Any person can take home loan from Tata Capital.
Home Loan To get it, you have to apply in it, which you can do online or offline. In this article, we will know what is Tata Capital Home Loan, what is the interest rate, documents, eligibility of this loan and how can we apply for this home loan etc. For this you are requested to read this article till the end.
Tata Capital Home Loan 2024
Any person can take a home loan to buy a house, build a house or construct a house. You can apply for Tata Capital Home Loan both online and offline. Tata Capital also provides you the facility to transfer your home loan balance. Before taking a home loan, you will have to pay on that loan Home Loan Interest Rate You should take information about it so that you do not have to face any kind of trouble ahead.
Tata Capital With this, you can take a home loan from Rs 5 lakh to Rs 5 crore at very low interest rates. You can choose the home loan amount, tenure and EMI tenure as per your convenience. If you are an existing customer of Tata Capital, then you can get a discount in the interest rate.
Customer from Tata Capital Pradhan Mantri Awas Yojana (PMAY) You can get subsidy on home loan under You can earn up to Rs 5 crore from Tata Capital Home Loan It does not mean that everyone can take loan amount up to this loan amount. Loan Amount Your Income, CIBIL Score Like it depends on many factors. Tata Capital offers you home loan facility with minimal processing fee and minimum documentation.
If you from Tata Capital Personal Loan If you want, you can click on this link Tata Capital Personal Loan can apply for _
Key Features of Tata Capital Housing Loan
- Loan Name: Tata Capital Home Loan 2024
- Lending Bank Name: Tata Capital
- Loan Amount: Rs.5 Lakh to Rs.5 Crore
- Loan tenure: Up to 30 years
- Interest Rate: Starting from 8.60% pa
- Application Mode: Online / Offline
- Official Website: https://www.tatacapital.com/
Tata Capital Home Loan Interest Rate 2024
Whenever you apply for home loan, it is very important for you to know what will be the interest rate on that loan. Tata Capital Home Loan interest rates start from 8.60% p.a. Those who are existing customers of Tata Capital can also get this home loan at low interest rate.
Before taking a personal loan, we should It is important to have information about Personal Loan Interest Rate 2024 , in the same way, before taking a home loan, we should Home Loan Interest Rate 2024 It is necessary to have information about If you apply for that loan without knowing the correct interest rate of the loan, then you may have to face problems at the time of repayment of the loan.
Objectives of Tata Capital Home Loan
You can take a home loan to buy a house, build a house or build a house. You can take a home loan for different purposes.
- purchase of land
- buy readymade home
- build house
- extension of the house
- home conversion
- home renovation
- Loan Against Property or Mortgage Loan
Benefits and Features of Tata Capital Home Loan
Here is information about the benefits and features of Tata Capital Home Loan. You should look at these features before applying for a home loan.
- Customers can join this home loan to fulfill their dream of home.
- You can choose the loan amount, loan tenure and EMI tenure as per your convenience.
- You can apply for this home loan online by visiting Tata Capital’s official website tatacapital.com with the help of your mobile phone.
- Home loan amount largely depends on your home loan eligibility, which is calculated based on your CIBIL score, income, type of employment and other such factors.
- After the complete process of your application, the loan amount is transferred to your bank account.
- Your monthly installment starts after one month from the day you get the full loan disbursement. You have to pay the same fixed amount on monthly basis to repay the home loan.
- You can foreclose or prepay your home loan. In case of floating interest rates, you are not charged any prepayment of the loan but in case of fixed interest rates, you do have to pay a fee.
- You should pay your loan on time so that your credit score remains good.
- Tata Capital provides loans to customers at both fixed interest rate and floating interest rate.
Loan amount: From Tata Capital, you can take a home loan from Rs 5 lakh to Rs 5 crore.
Interest : Tata Capital Home Loan interest rate starts from 8.60% p.a.
Loan tenure : You can take Tata Capital Home Loan for a period of 30 years.
Co-Applicants: It is mandatory for you to add a co-applicant to your home loan. A co-applicant is one who is respectfully responsible for repaying the home loan like the main borrower. The co-applicants can be your family members or those you have blood relation. You can add up to 6 co-applicants in one home loan. The following can be co-applicants:
- Husband
- Father
- Mother
- brother who is not a minor
- sister who is not a minor
- son who is not a minor
- daughter who is not a minor
Home loan approval time: Home Loan Approved The time taken depends on whether you are a salaried person, a self-employed person or an entrepreneur.
- If you are a salaried If you are an individual then your loan gets approved in 4 to 5 business days.
- If you are a self-employed individual then your loan gets approved in 7 to 8 business days.
Tax Benefits on Home Loan: You are provided with the benefit of tax benefits on home loan under section 80C of the Income Tax Act.
Loan Prepayment: You can repay your home loan in full or in part before the tenure of the loan. If you take a home loan at a floating interest rate, then you do not have to pay any prepayment charges.
Joint Home Loan : You can take a joint home loan from Tata Capital. In case of joint home loan, the income and loan position of the co-applicant is taken into consideration. You can take a joint home loan with the following :
- your parents _
- your spouse
- your children
- your siblings
Types of Tata Capital Home Loan
Tata Capital offers various types of home loans. You can apply for the home loan you are eligible for and the home loan you want to join. Some of the types of home loans are as follows:
- Home Extension Loan
- Affordable Housing Loan
- NRI Home Loans
Tata Capital Home Loan Eligibility
Now let’s talk about what is the eligibility of friends for Tata Capital Home Loan. If you are eligible for this home loan then only you can apply for it. The eligibility of this home loan is as follows:
- Applicant’s age should be between 24 to 65 years.
- Salaried individuals or a self-employed professional can all apply for this home loan.
- Your CIBIL Score should be 750 or above.
- salaried Work Experience – Must have at least 2 years experience.
- Work Experience for Self Employed Person – Minimum 3 years experience.
- salaried The monthly income of the person should be at least Rs 30,000.
- For NRI – Must be a salaried person with at least three years of work experience.
- You can calculate your eligibility by visiting the official website of Tata Capital.
Tata Capital Home Loan Documents Required
Friends, whenever you are applying for a home loan, before applying for the loan, you should keep all your documents together so that whenever the bank asks for documents from you, you can easily give them the documents. Here are the documents for Tata Capital Housing Loan :
- Age Proof – ( Valid Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, School Leaving Certificate)
- Photo Identity Proof – ( Voter ID, Valid Passport, Driving License, Aadhar Card, Pan Card)
- Address Proof – ( Utility Bill, Bank Details, Property Registration Document, Property Tax Receipt, Voter ID)
- Business Proof – Registration certificate for starting business, your business profile on letter head, copy of income tax return of last two years
- Income Proof – Current Account Statement for the last six months, copy of P/L Projection Statement of the last three years, Bank Statement of the last six months of CC, OD facilities (if availed)
- Existing loan details – to be provided through bank details
- Processing fee check – will be issued from your business account
Application Mode for Home Loan
can apply for Tata Capital Home Loan in the following ways.
- Online: You can apply for home loan online in few steps by visiting the official website of Tata Capital.
- By visiting the bank branch: You can apply for a home loan by visiting your nearest branch of Tata Capital.
- Via Phone: You can apply by contacting Tata Capital’s helpline number 1860 267 6060.
- Through a virtual assistant – You can also apply for your home loan with the help of a loan processing virtual assistant.
Tata Capital Home Loan Apply
Friends, if you are eligible for this loan, then you can apply for this home loan both online and offline. The procedure to apply is given here.
How to apply for Tata Capital Home Loan online ?
If you want to apply online for this loan, then follow the steps given below :
- First of all, you have to visit the official website of Tata Capital, tatacapital.com.
- On the home page of the website, you will see the option of Home Loan, click on it.
- After clicking, all the information related to home loan will come in front of you on the next page.
- Apply Now on this page, click on it.
- A form will open in front of you. You have to submit the form by entering the required details in this form.
- submitting the form, the bank will contact you and proceed with the process of your loan.
How to apply for home loan offline ?
If you do not want to apply online then you can also apply offline. Follow the steps given below to apply offline :
- First of all you have to visit your nearest branch of Tata Capital.
- By going to the branch, you have to give this information that you want to apply for home loan.
- Tata Capital will provide you all the information related to the home loan.
- After that you have to give all your documents.
- Your documents will be verified.
- After that the officials visit the premises and property that you want to buy.
- After all the process, your loan approval is done.
- After loan approval, the loan amount is transferred to your bank account.
Tata Capital Home Loan EMI Calculator
Before applying for home loan, you should calculate your EMI. You can calculate your home loan EMI by visiting the official website of Tata Capital. Here is an example of an EMI calculator for this home loan :
| loan amount | Rate of interest | loan tenure | EMI Amount |
| 5 lakh | 6.9% | 12 Months | Rs 5,780 |
| 7 lakh | 7% | 186 Months | Rs 6,177 |
| 10 lakh | 7.5% | 360 Months | Rs 6,992 |
Tata Capital Home Loan Customer Care
If you are facing any problem in applying for home loan then you can contact on Tata Capital Home Loan customer care number.
Customer Care Number – 1860 267 6060
Conclusion:
In this article we have given you How to get Tata Capital Home Loan Full information is given about If you want to get any other type of information about this home loan, then you can contact on its contact number.
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FAQs on Tata Capital Home Loan
How much loan can be taken under home loan from Tata Capital ?
5 lakh to 5 crore rupees.
What is the interest rate of Tata Capital Home Loan ?
Starting from 8.60% per annum.
Is it good to take a home loan from Tata Capital ?
You can get this information by talking to those people who have already taken loan from Tata Capital.
How to apply for Tata Capital Home Loan ?
Complete information about applying for home loan is given in this article. You can apply for this loan by reading this article.