Tata Capital Home Loan - First Attempt Financial Solutions

Tata Capital
Home Loan

Apply for Tata Capital Home Loan up to Rs 5 Crores at 8.10% p.a. onwards.
Tata Capital offers affordable housing loans up to 80% of property value for
extended tenure of 30 years. Processing starts at 0.50% and lowest EMI is Rs
741 per Lakh.

Highlights of Tata Capital Home Loan are as below:

Loan Amount	Up to 80% of the property cost
Rate of interest	8.10% onwards
Tenure	Up to 30 years
Lowest EMI possible	Rs. 741 Per Lakh
Processing fee	0.5% to 2.0% of the loan amount + GST

Tata Capital Home Loan Features

Following are the features of Tata Capital Home Loan:

Loan amount: Up to 80% of the property; Rs 5 Lakhs to Rs 5 Crores.
Tata Capital Home Loan Interest Rates start at 8.10% p.a. onwards.
Repayment tenure: Maximum up to 30 years.
Tata Capital Home Loan Processing Fees is nominal, i.e. 0.5% to 2.0% of the loan amount.
Lowest EMI possible: Rs. 741 Per Lakh.

Some benefits of signing up with Tata Capital Home Loan are:

Diverse loan schemes: up to 5 Rs crore for resident Indians and up to Rs 10 crore for NRIs
Tata Capital Home loans are available for purchase/construction/renovation of plot, flat or house.
Home Loan processing is quick, easy, and hassle-free.
Adequate customer support throughout the procedure.
Flexible repayment options such as Step up EMI, Fixed EMI or floating EMI options.
Easy balance transfer & top up offers.
Add co-owner for enhanced loan amount
Multiple repayment options such as Post Dated Cheques, Electronic Clearance Service (ECS), deduction against salary, and auto debit.
Standard and hassle free documentation process.
No foreclosure charges.

You can also get benefits of Tata Capital Personal Loan

The Eligibility Criteria for a Home Loan with Tata Capital are as follows:
- The applicant should be a minimum of 24 years at the time of application. The maximum age should not be beyond 65 years at the time of completion of the tata capital housing loan.
- Salaried individual must be earning a minimum of Rs 30,000 per month and should have a minimum work experience of 2 years. Minimum of 6 months’s experience with the current employer is also mandatory.
- Self employed applicants should have a minimum of 3 years of experience in their current field.
Additional Info: You can also avail Navi Home Loan

The rates of interest for Tata Capital Home Loans vary as per the scheme.
Home Loan:
Customer Profile Loan Slab ROI* (%) ROI* (%)
Salaried Any Amount 8.10% – 12.00% onwards
Self Employed Any Amount 8.10% – 12.00% onwards
Home Equity:
Customer Profile Loan Slab ROI* (%) ROI* (%)
Salaried / Self Employed Any Amount 10.10% onwards
Additional Info: Avail Tata Capital Business Loan online with fastmudra.

Customer Profile	*Loan Slab ROI (%)**	*ROI (%)**
Salaried	Any Amount	8.10% – 12.00% onwards
Self Employed	Any Amount	8.10% – 12.00% onwards

Customer Profile	*Loan Slab ROI (%)**	*ROI (%)**
Salaried / Self Employed	Any Amount	10.10% onwards

The different charges applicable for Tata Capital Home Loan are:

Processing Fee	0.5% -0.2% of the loan amount + GST
Pre-payment charges	No partial prepayment charges for up to 25% annual prepayment for individual borrowers of floating rate home loan schemes. 2% + Taxes on prepaid amount over 25% of principal outstanding for individual & non individual borrowers
Delayed EMI Charges	A charge of 2% is applicable on the current rate for the delayed period.
Foreclosure Charges	NIL *No charges are applied on foreclosure of Home Loan if you pay off with your own funds. If you use someone else’s money for foreclosure, then a foreclosure charge of 2% will apply
CERSAI Fees	Rs 50 for loans up to Rs 5 Lakhs; Rs 100 for amount above Rs 5 Lakhs, to be collected during loan closure.
Collection agency	As per actual
Legal Charges	Charges for PDC, loan cancellation, dishonour of cheque, rejection of ECS, PDC Swapping and Account Maintenance.
Other Parameters	Rs 500 per instance

The fees mentioned above are exclusive of any government charges, cess, levies, and so on. They are subject to change as per the discretion of Tata Capital Limited.

Check for 50 lakh home loan EMI and apply easily on fastmudra.

The documentation depends upon your occupation in order to apply for a Tata Capital Home Loan. The requirements are as follows:

Salaried Individuals

Type of Document	Documents Required
Age Proof (copy of any one)	Passport/ PAN Card/ Driving License/ Birth Certificate/ Life Insurance Policy/ School Leaving Certificate
Photo ID Proof (copy of any one)	Passport/ Voter’s ID/ Driving License/ PAN Card/ Aadhaar Card
Residence Proof (copy of any one)	Utility Bills/ Property Registration Documents/ Bank Statements/ Property Tax Receipt/ Voter’s ID
Income Proof	A Copy of last 3 months’ Salary Slips/ Appointment Letter/ Annual Increment Letter/ Form 16 A copy of salary bank account statements for the last 6 months
Other Documents	Details of existing loans (if any) through bank statements Processing Fee Cheque issued from the salary account

Self-employed Individuals

Type of Document	Documents Required
Age Proof (copy of any one)	Passport/ PAN Card/ Driving License/ Birth Certificate/ Life Insurance Policy/ School Leaving Certificate
Photo ID Proof (copy of any one)	Passport/ Voter’s ID/ Driving License/ PAN Card/ Aadhaar Card
Residence Proof (copy of any one)	Utility Bill/ Property Registration Documents/ Bank Statements/ Property Tax Receipt/ Voter’s ID
Business Proof	A copy of the last 2 year’ IT applicant’s Business Profile on letterhead/ Business Commencement Registration Certificate
Income Proof	A copy of the last 3 years’ Profit & Loss Projection Statement/ Bank statements for the last 6 months of CC or OD facilities, if taken/ Operative current account statement for the last 6 months
Other Documents	Details of existing loans (if any) through bank statements Processing Fee Cheque issued from the salary account

NRIs

Type of Document	Documents Required
Age Proof (copy of any one)	Passport/ PAN Card/ Driving License/ Birth Certificate/ Life Insurance Policy/ School Leaving Certificate
Photo ID Proof (copy of any one)	Passport/ Voter’s ID/ Driving License/ PAN Card/ Aadhaar Card
Residence Proof (copy of any one)	Utility Bills/ Property Registration Documents/ Bank Statements/ Property Tax Receipt/ Voter’s ID
Income Proof	A copy for the last 6 months payslips along with employment stability documents like Appointment Letter/ previous employment history Details of overseas salary account for Indian NRO/ NRE account statements for the last 6 months
Other Documents	A Credit Report must be submitted by NRI applicants of their current country of residence Details of existing loans (if any) through bank statements Processing Fee Cheque issued from the salary account

There are several other funding options for your home available with Tata Capital including:

Tata Capital Rural Housing Finance

This loan is provided for applicants to purchase homes in rural areas, including Tier 2 and Tier 3 cities.
The Rural Housing Finance scheme allows the purchase of existing property and construction or purchase of new property.

Tata Affordable Housing Finance – Prapti Home Loans

Affordable housing finance is provided through Prapti Home Loans under the Pradhan Mantri Awas Yojana.
You can get interest rates as low as 4%.
Loans are available to households with an annual income of Rs. 6 Lakhs or below.
This housing finance option is available across Tier 2 and Tier 3 cities, semi-rural areas, and even the urban poor segment.

Tata Capital Urban Housing Fund

This urban housing fund is available to refinance housing finance companies and banks with respect to the loan provided to their pledgers in urban areas.
The objective of this scheme is to improve credit availability and improve the house financing requirements of individuals who are in the lower and middle-class income segment.

Tata Capital Switching and Refinance

Home Loans availed on a long term basis are subject to changes as per the dynamics of the market, leading to changes in the interest rate as well.
Applicants may also see an improvement of income during the tenure of the loan.
Tata Capital refinancing allows you to opt for an increase or decrease in interest rate as per your current financial situation.
You may also choose to increase EMI and reduce the payment made towards the interest portion of your current Home Loan

Additional Info: Check Banglarbhumi West Bengal Land Record located in West Bengal.

Lender	Maximum Loan Amount	Maximum Tenure	Interest Rate	Processing Fee
Tata Capital Home Loan	Up to 80% of property	30 years	8.10% onwards	0.5% to 2% of the loan amount + GST
ICICI Bank Home Loan	Up to 90% of property	30 years	8.10%-8.95%	0.50% – 2% or Rs. 1,500 (Rs. 2,000 for Mumbai, Delhi & Bangalore), whichever is higher + GST
SBI Home Loan	Up to 90% of property cost	30 years	8.05% – 9.05%	Up to 0.35% of the loan amount.
Axis Bank Home Loan	Rs. 5 Crores	30 years	8.10%-8.55%	Up to 1%, minimum Rs.10,000
HDFC Home Loan	Up to 90% of property cost	30 years	8.10%-9.00%	Up to 0.50% or Rs. 4,500 (whichever is higher) + applicable taxes

A Home Loan is a secured loan where property for which you are applying for the loan is considered as the Loan Security or Collateral. So the value of the property along with the marketability is an important eligibility factor for the loan amount. Each lender provides a percentage of this property value for financing property purchase and this is called Loan to Value (LTV) ratio. The remaining amount needs to be paid by the applicant as margin or down payment. Maximum LTV for Tata Capital Home Loans is 80% of the property’s value.

Additional Info: How to get Bajaj Finserv Home Loan

The EMI calculator on fastmudra allows you to Calculate Home Loan EMI on a certain plan accurately. This helps you choose the right loan scheme and allows you to plan your monthly budget as per the EMI.

To Calculate your Tata Capital Home Loan EMI, follow the three steps mentioned below:

Visit fastmudra Home Page
Click on EMI Calculator under Financial Tools section
Enter the proposed interest rate, tenure and loan amount on the calculator. Based on the details entered, the EMI is calculated instantly. You will also get loan amortisation schedule.

Tata Capital Home Loan EMI Calculation

Loan Amount10 years20 years30 years

Rs.10 lakh	Rs.12,186	Rs.8,427	Rs.7,407
Rs.20 lakh	Rs.24,371	Rs.16,853	Rs.14,815
Rs.30 lakh	Rs.36,557	Rs.25,280	Rs.22,222
Rs.40 lakh	Rs.48,743	Rs.33,707	Rs.29,630
Rs.50 lakh	Rs.60,928	Rs.42,134	Rs.37,037
Rs.60 lakh	Rs.73,114	Rs.50,560	Rs.44,445

*For EMI calculation purpose, flat Home Loan Rate of Interest @ 8.10% p.a. is considered. The calculation is indicative only. Your EMI schedule will vary as per rate of interest offered to you.

Additional Reading: Cibil score required for home loan

The borrower can repay the Home Loan at Tata Capital in affordable EMIs with easy repayment options such as Post Dated Cheques (PDCs) and Electronic Clearance Service (ECS) facility.

ECS facility: ECS or Auto Debit is one of the easiest methods to pay EMI. The borrower must sign and submit auto debit form or ECS mandate to instruct the bank to directly deduct the monthly EMI amount on the fixed date of every month. This will automatically debit the EMI monthly from the borrower’s account at Tata Capital.

PDC facility: In the cities where ECS facility is not available, the EMI payment can be done with the help of Post Dated Cheques (PDCs). The borrower has to submit 36 monthly cheques to the Tata Capital and submit fresh cheque prior to the expiry of old ones or when required by Tata Capital.

Also check AnyRoR Gujarat Land Record.

For any information or to submit grievances or complaints, you can call the Tata Capital Toll Free Number: 1800-209-6060. This number is available from 9AM to 8PM from Monday to Saturday. It is closed on Sundays and Public Holidays.

Tata Capital Customer Care

Registered Office

11th floor, Tower A,,Peninsula Business Park, Ganpatrao Karam Marg, Lower Parel, Mumbai- 400013.

Email ID: contactus@tatacapital.com

customercare@tatacapital.com (For existing customers only)

You may also request a call back on the official website www.tatacapital.com.

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