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Are you planning any business expansion or thinking of house renovation? Are you in a need of immediate funds for a surgery and you own a property? Apply for Hybrid Term Loan with us and utilize the amount as per your needs. Tata capital offers you hassle-free Hybrid Term Loan against your property.
This financial offering is designed to be accessible, multi-purpose, and flexible. What’s more, you can apply for Hybrid Term loan against property online from the comfort of your home with minimal documentation.
Minimum Loan value
10 Lacs
Maximum Loan value
Upto 5 Crore
Loan Tenure
Up to 15 years
Interest rate starting @
10.10%* p.a.
With Tata Capital’s Hybrid Term Loan facility against property, you can access funds for any purpose, be it a medical emergency, home renovation, or any other expenses. This multi-purpose loan product offers you the utmost flexibility in repayment modes.
We offer competitive Hybrid Term Loan against property interest rates, and you only need to pay the interest on the amount you utilize. This means you can borrow a certain amount, utilize what you need, and then pay interest only on the amount you have spent.
Here are the key features and benefits of an Hybrid Term Loan facility against property:
You can apply for an Hybrid Term Loan facility against property online from the comfort of your home. Just follow these steps:
Fill out a simple form. It will take a few minutes.
Upload your documents
Get your loan approved and receive the amount
Apne makaan ke dum par karo aapke sapne sach. Unlock the potential of your property with Tata Capital– Loan against property. With attractive interest rates and flexible tenure, Tata Capital– Loan against property is the perfect solution for you!
Yes, you may obtain a Hybrid Term loan against property for both residential and commercial property. Tata Capital offers a Hybrid Term loan against property at competitive interest rates, where you only need to pay the interest on the amount you spend.
The maximum loan value that can be obtained through a Hybrid Term Loan is Rs. 5 crores and the minimum loan value is Rs. 10 lakhs. However, it is essential to note that the actual loan value you obtain is calculated based on the property that you use as collateral. The property's market value is an important factor that helps decide the loan value of your loan.
Tata Capital offers highly competitive interest rates for Hybrid Term Loan facility starting from 10.10% per annum. The interest rate is determined based on your property's value and type, credit score, and loan tenure. The interest rate is charged on the outstanding balance of the borrowed amount. The interest rate may be applied daily or monthly, depending on the terms of your loan.
There is no additional fee specifically charged for Hybrid Term Loan. For all the applicable fees & charges, please refer our Rates & Charges Section.
Tata Capital offers a flexible repayment duration for a Hybrid Term Loan ranging between 1 and 15 years. With us, you can choose a comfortable loan tenure based on your needs and affordability. There are various repayment options, such as standard and flexi EMI plans, based on which you may choose a comfortable pace to repay your loan.
You may also prepay your loan before the completion of the tenure. However, to do so, you may have to bear foreclosure charges against your outstanding balance as mentioned on our Rates & Charges section.
Yes, you can foreclose your Hybrid term loan and following charges shall be applicable
Rate Description | Party to the Agreement & Purpose | Foreclosure Charges within 12 months of Disbursement | Foreclosure Charges after 12 months of Disbursement |
---|---|---|---|
Floating Rate Scheme | Individual Borrower with end use other than business | No charges | No charges |
Individual Borrower with end use as business | 6% of Principal Outstanding | 4% of Principal Outstanding | |
Non- individual Borrower irrespective of end use | 6% of Principal Outstanding | 4% of Principal Outstanding | |
Fixed Rate scheme | Individual/s non individual borrowers irrespective of the end use | 6% of Principal Outstanding | 4% of Principal Outstanding |
The following documents are necessary to apply-
1. The filled application form
2. A passport-sized photograph
3. Identity proof
4. Residence proof
5. Permanent Account Number OR Form 60 (wherever applicable)
6. Signature verification
7. Verification of signature
8. Income details- these include salary slips or ITR filing reports from the last two years for salaried individuals. For self-employed applicants, P&L statements and balance sheets are required.
Yes, self-employed professionals, including doctors, chartered accountants and architects, and self-employed non-professionals, such as traders and business owners, can get a Hybrid Term Loan against property with Tata Capital at competitive interest rates.
To be eligible for a Hybrid Term Loan facility , the applicant must be at least 23 years old at the time of application and less than 70 at the time of loan maturity. Self-employed individuals must have a minimum annual income of Rs. 2.5 lakhs and a stable income for at least three years.
At Tata Capital, we specialise in quick loan execution with minimum documentation. When you apply for a Hybrid Term Loan you can expect it to be verified and approved in just a few days.
The application process is simplified and made more accessible by allowing you to apply online through our website or WhatsApp.
Yes, LAP Term Loan can be converted into a Hybrid Term Loan. Please reach out to our branch or customer service for further assistance.
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