
We provide low-income home loans for salaried individuals to help them realize their dream of owning a house in India. Below are the features and benefits of our affordable housing loans for salaried people:
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At Tata Capital, we believe that owning a house is the right of every person, irrespective of their financial background or family income. That is why we have started an affordable housing policy to help people belonging to the low- or mid-income group buy their own houses in India. Under this policy, we provide affordable home loans with reduced interest rates and lower loan amounts.
Our affordable housing loan interest rates start from just 10.10% per annum.
Loan amount offered
₹ 2 lakhs onward
Loan tenure
Upto 30 years
Interest rate starting @
10.10% p.a.
To realize our dream of housing for all, we provide affordable housing loans with very easy eligibility criteria. Our affordable home loan eligibility includes:
The beneficiary should not be owning a pucca house in their name anywhere in India
In the case of a married couple, either or both spouses in joint ownership will be eligible for a single low income housing loan
The beneficiary should not have availed of central assistance under any housing scheme of State or Central Government
We provide low-income home loans for salaried individuals to help them realize their dream of owning a house in India. Below are the features and benefits of our affordable housing loans for salaried people:
To make home loan repayment easier for the beneficiaries, we provide Flexi EMI plans for our affordable housing loans. One can choose from the following EMI plans and repay their home loan at their convenience:
Available payment options
Home Loan in Jaipur
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Know MoreHome Loan in Jaipur
Know MoreHome Loan in Chandigarh
Know MoreHome Loan in Lucknow
Know MoreHome Loan in Visakhapatnam
Know MoreHome Loan in Ahmedabad
Know MoreHome Loan in Surat
Know MoreHome Loan in Delhi
Know MoreHome Loan in Bangalore
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Know MoreHome Loan in Pune
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Know MoreHome Loan in Gurgaon
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Know MoreStart to end of my loan process was simple and guidance of your team members were to the point. My last communication was with Mr. MANOJ PATEL from surat branch he was very polite and helpful.
Home Loan | 20 Jun, 2024
We extend our heartfelt gratitude to Mr. Pravin Sagare, Senior Officer of Customer Service, for his exceptional service. His remarkable demeanor and professionalism during telephonic interactions with customers have been truly outstanding. Over the past two years, we have utilized various services, yet none have matched the quality provided by Mr. Sagare. We are deeply impressed by the exemplary service, due to this reaons we has influenced our decision to obtain a second home loan from TATA Capital Housing Finance Limited.
Home Loan | 07 Jun, 2024
I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.
Home Loan | 14 Mar, 2022
Service provided by Manoj Patel in Surat vesu Branch was helpful and because of his support we were able to close loan.
Home Loan | 23 Aug, 2024
Excellent A1 Services. The Lady at the Customer Desk is very Cooperative and helpful so that my work completed without the time frame. The name of the Lady is Amruta Pathak. God bless her and her family. Thanks and Regards for the entire team of Tata Capital.
Home Loan | 13 Aug, 2024
Very good & prompt service, and we have spoken to Mr. Manish also, and he always helps us to provide our request. Thank you, Ms Apurva Shende & Manish Padwal
Home Loan | 24 Jul, 2024
I'm happy with the service and the help I got earlier for foreclosure letter. Thank you so much & thanks to Alisha mam for her guidance.
Home Loan | 17 Jul, 2024
Special thanks to Mr. Avinash for his help rendered with full commitment to his job, answering the queries to me clearly, and follow up so that the work is done in given time to get customer satisfaction.
Home Loan | 02 Jul, 2024
Mr Avinash who handled my case is well experienced and has courtesy for customers' concerns. However, some of the Tata Capital products are very expensive when compared to other banks' ones!
Home Loan | 28 Jun, 2024
Start to end of my loan process was simple and guidance of your team members were to the point. My last communication was with Mr. MANOJ PATEL from surat branch he was very polite and helpful.
Home Loan | 20 Jun, 2024
We extend our heartfelt gratitude to Mr. Pravin Sagare, Senior Officer of Customer Service, for his exceptional service. His remarkable demeanor and professionalism during telephonic interactions with customers have been truly outstanding. Over the past two years, we have utilized various services, yet none have matched the quality provided by Mr. Sagare. We are deeply impressed by the exemplary service, due to this reaons we has influenced our decision to obtain a second home loan from TATA Capital Housing Finance Limited.
Home Loan | 07 Jun, 2024
I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.
Home Loan | 14 Mar, 2022
Service provided by Manoj Patel in Surat vesu Branch was helpful and because of his support we were able to close loan.
Home Loan | 23 Aug, 2024
Excellent A1 Services. The Lady at the Customer Desk is very Cooperative and helpful so that my work completed without the time frame. The name of the Lady is Amruta Pathak. God bless her and her family. Thanks and Regards for the entire team of Tata Capital.
Home Loan | 13 Aug, 2024
Very good & prompt service, and we have spoken to Mr. Manish also, and he always helps us to provide our request. Thank you, Ms Apurva Shende & Manish Padwal
Home Loan | 24 Jul, 2024
I'm happy with the service and the help I got earlier for foreclosure letter. Thank you so much & thanks to Alisha mam for her guidance.
Home Loan | 17 Jul, 2024
Special thanks to Mr. Avinash for his help rendered with full commitment to his job, answering the queries to me clearly, and follow up so that the work is done in given time to get customer satisfaction.
Home Loan | 02 Jul, 2024
Mr Avinash who handled my case is well experienced and has courtesy for customers' concerns. However, some of the Tata Capital products are very expensive when compared to other banks' ones!
Home Loan | 28 Jun, 2024
Start to end of my loan process was simple and guidance of your team members were to the point. My last communication was with Mr. MANOJ PATEL from surat branch he was very polite and helpful.
Home Loan | 20 Jun, 2024
We extend our heartfelt gratitude to Mr. Pravin Sagare, Senior Officer of Customer Service, for his exceptional service. His remarkable demeanor and professionalism during telephonic interactions with customers have been truly outstanding. Over the past two years, we have utilized various services, yet none have matched the quality provided by Mr. Sagare. We are deeply impressed by the exemplary service, due to this reaons we has influenced our decision to obtain a second home loan from TATA Capital Housing Finance Limited.
Home Loan | 07 Jun, 2024
I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.
Home Loan | 14 Mar, 2022
Know more about Home Loans
Looking for a bungalow or an apartment? With Tata Capital Home loans, find a dream home and make it your reality. Ab aapke sapnon ka ghar aapke naam!
An affordable housing loan scheme is different from a regular home loan in several aspects. First, it is offered to individuals belonging to the low- and mid-income categories. Both salaried and self-employed individuals can apply for affordable home loans irrespective of their monthly income.
Secondly, the interest rates for these loans are lower as compared to regular home loans. At Tata Capital, low-income housing loan interest rates start from 10.10% per annum.
And thirdly, these loans entail lower amounts for buying low-cost houses. The minimum affordable housing loan offered by Tata Capital is Rs. 2 lakh.
The following are the eligibility requirements to apply for an affordable home loan with Tata Capital:
The minimum loan amount offered under Tata Capital’s affordable housing loan scheme is Rs. 2 lakh. However, the maximum loan amount depends on factors such as the price of the property, the age of the applicant, etc. We provide financing of up to 80% of the property’s market price.
The interest rate for this loan is usually lower than the one for a regular home loan. At Tata Capital, the affordable home loan interest rate starts from just 10.10% per annum. We offer the best interest rate in the market based on your eligibility, income, credit score, and some other parameters. Moreover, there are no hidden charges on our home loans.
At Tata Capital, we allow our customers to repay their home loans as per their income and repayment capability. The tenure for our subsidized housing loan can range between 5 and 30 years. If you want your EMIs to be on the lower side, you can choose a higher home loan tenure and vice-versa.
The documents required for an affordable home loan are the same as that for a regular housing loan. They include:
No. This scheme is available only for those who do not own a pucca house anywhere in India. Additionally, they should not have availed of any housing loan scheme under the state or central government.
At Tata Capital, we provide home loans of up to 80% of the property’s value. However, the exact loan-to-value (LTV) ratio varies on a case-to-case basis.
Apart from the interest rate, we levy certain other charges on low-income housing loans. These include processing charges, foreclosure charges, EMI bounce charges, legal charges, and collection charges, among others. Click here to get the complete list of our fees and charges.
At Tata Capital, we provide our customers the flexibility to repay their housing loans at their convenience. You can choose from our four EMI plans - Standard EMI Plan, Step-Up Flexi EMI Plan, Step-Down Flexi EMI Plan, or Bullet Flexi EMI Plan. You can also choose to prepay or foreclose your low-income housing loan by paying a nominal foreclosure charge.
At Tata Capital, we ensure our customers don’t have to wait for long to fulfill their dreams. Our housing loan applications are processed as soon as we receive them. You can enjoy instant approvals and get the loan amount in your bank account within a few working days.
There is no statutory requirement of a minimum credit score to apply for a subsidized housing loan with Tata Capital. Even first-time borrowers and the ones belonging to the low-income category can avail of this scheme. However, by maintaining a good credit score, you can secure the best interest rate on your home loan.
Yes. In the case of a married couple, either or both spouses in joint ownership will be eligible to apply for a single low-income housing loan. By applying for a joint housing loan with a female co-owner, you can avail of some exclusive benefits.
Those who have borrowed a low-income housing loan can enjoy the same tax benefits as regular home loan borrowers. These benefits are:
In the case of a joint loan, both borrowers can enjoy these tax benefits individually.
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