Get the Tata Capital App to apply for Loans & manage your account. Download Now

Blogs

SUPPORT

New Car Loan

Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

New Commercial Vehicle Financing

  • First time user
  • Retail and strategic Clients

Used Commercial Vehicle finance

  • Repurchase
  • Refinance
  • Top up
  • Balance Transfer

Own Your Home in Surat with Tata Capital Home Loans

Burgeoning job and academic opportunities

Surat accommodates more than 90% of the world’s diamonds and has the biggest hub for diamond cutting, refining, and polishing. But that’s not it! The city is also home to over 300 dyeing and printing mills and silk fabric and cotton mills. Along with that, Surat houses an IT sector with job opportunities in a range of industry verticals.

That’s why millennials are choosing to settle down in the city. With easy access to home loan in Surat, property buying is easier as well. Besides that, the Silk City of India also offers excellent options for pursuing higher studies, thanks to the presence of numerous top colleges and universities.

High quality of living

With a well-established economy, Surat packs the perfect blend of tall buildings, picturesque beaches, and greenery. What’s more, the residential localities are looked after well by the residents and administration alike. This way, the city’s quality of life is top-notch when combined with the availability of affordable housing loans in Surat.

  • Loan amount offered

    ₹5,00,000 - ₹5,00,00,000

  • Loan tenure

    Upto 30 Years

  • Interest rate starting @

    8.75%* p.a.

Home Loan EMI Calculator

Loan amount
50,000,000%10,000,000%
₹5,00,000₹5,00,00,000
Loan duration
30%10%
1 Year30 Years
Loan duration
360%120%
12 Months360 Months
Rate of interest
%
12%8.75%
8.75% p.a12% p.a

Monthly EMI

₹1,25,327*

Created with Highcharts 9.0.1Total Amount Payable₹1,50,39,210*Total Amount Payable₹1,50,39,210*Total Interest Payable₹50,39,210*Total Interest Payable₹50,39,210*
  • Total Amount Payable

    ₹1,50,39,210*

  • Total Interest Payable

    ₹50,39,210*

Total Amount Payable

₹1,50,39,210*

Total Interest Payable

₹50,39,210*

Features and Benefits of Home Loan in Surat

Tata Capital offers instant home loans so you can easily purchase or build your dream house. Here are some features of a home loan in Surat:

Competitive interest rates

Tata Capital offers some of the lowest interest rates on home loans in Surat. So, your monthly instalments are much more manageable, and repayment costs are low.

Get the Right Loan Amount for Your Needs

With Tata Capital, you can take a loan of Rs. 2 Lakhs to Rs. 5 Crores depending on your housing needs. You can use our Home Loan Eligibility Calculate to calculate the amount you will be eligible to borrow.

Flexible Tenure

Tata Capital ensures loan repayment is not a burden on your shoulders. You can opt for a flexible tenure of up to 30 years and easily repay the loan.

Secure Investment

Getting a house in Surat is a secure investment. The city is a hub of the diamond and textile industry. At the same time, it houses an IT sector with ample career opportunities. So, a house in Surat is an investment that can be your valuable asset.

Home Loan Interest Rates in Surat?

The rate of interest, typically expressed as a percentage, applies to your home loan in Surat. It is the rate at which the interest gets charged on your principal loan over the specified loan term. The home loan interest amount tells you how much you’ll pay over and above the borrowed sum during repayment.

When looking for the lowest home loan rates in Surat, compare multiple lenders and their lending terms before aggreging to a loan offer. Since interest rates directly impact your monthly instalment and the overall repayment costs, choosing the right lender is a must. Moreover, with interest rates at an all-time low, this is the right time to make a property purchase.

Tata Capital provides the most affordable home loan interest rates in Surat, starting at 8.70%* at minimal documentation requirements, easy-to-fulfil eligibility terms, and quick processing. With us, you can avail of a housing loan in Surat at competitive rates of interest to easily buy your desired home.  

Eligibility Criteria for a Home Loan in Surat?

To avail a Tata Capital Home Loan in Surat, you must meet the basic home loan eligibility criteria:

  • You should be aged between 24 to 65

  • You must be salaried or self-employed

  • Work experience for a salaried professional is two years along with a monthly salary of Rs. 30,000
  • As a self-employed individual, you need three years of work experience in your current field
  • Your credit score should be 750 or more

Use our Home Loan Eligibility Calculator to quickly determine your home loan eligibility.

Documents Required for Home Loan in Surat

  • Age Proof

    A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

  • Photo Identity Proof

    A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

  • Address Proof

    A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

  • Income Proof

    A copy of your Salary Slips for the last three months, Salary Bank Account Statements for the last six months, Appointment letter, Yearly increment letter, or a Certified true copy of Form 16

  • Existing Loan Details

    Existing loan details should be provided through Bank Statements or Loan Statements

  • Processing Fee Cheque

    To be issued from your salary account

How to apply for a Home Loan online in Surat?

1

Firstly, fill the digital application form with your personal, occupation, loan, and property details. This helps us check your loan eligibility.

2

After you apply for housing loan in Surat, we process your loan application to extend a suitable loan offer. Upload the required documents. 

3

Our experts now conduct document verification and property assessment to generate your e-sanction letter. Download this letter.

4

Finally, we approve your loan and sanction the desired amount. This amount reaches straight into your account.

Other Ways to Apply for a Home Loan in Surat

  • Customer care: 18602676060

  • Email – contactus@tatacapital.com

  • Registered Branch – TCHFL, Office No 102, 103 and 208, 209, 210, 211 & 212, 1st and 2nd Floor, Eco Futurz, New Citylight Road, City Light, Surat – 395007

Home Loans in Your City

City-image-icon

Home Loan in Visakhapatnam

Know More
City-image-icon

Home Loan in Ahmedabad

Know More
City-image-icon

Home Loan in Mumbai

Know More

Home Loan Blogs

Home Loan
Home Loan
20 February, 2025
Home Loan
Home Loan
24 January, 2025
Home Loan
Home Loan
20 January, 2025

Beware of Frauds!

For any assistance, contact our customer support

Profiles

Blindness

Optimise website for screen readers

Dyslexia

Optimise website for screen readers

Visually Impaired

Enhances website’s visual

Cognitive and Learning

Assists with reading & focusing

Epilepsy

Clear flashes & reduces color

ADHD

More focus & fewer distractions

Content

Bigger Text

Line Height

Letter Spacing

Aa

Aa

Page Read
Bigger Cursor
Hide Images
Text Alignment
Highlight Heading
Text Magnifier
Image Description
Enlarge Buttons
Colors
Low Saturation
High Saturation
Grayscale
White High Contrast
Invert Color
Dark High Contrast
Color Adjustment

Adjust Text Colors

Reset

Adjust background Colors

Reset

Navigation
Reading Line
Highlight Links
Reading Mask
Pause Animation
Page Structure
Dictionary
Virtual Keyboard
Reading Line & Mask

Screen Reader Options

Hover on content for start reading.

×

Volume

Rate

Pitch

Start
Pause
Resume
Stop

Page Structure

×

Dictionary

×

Meaning of selected word show here.

Virtual Keyboard

×
` 1 2 3 4 5 6 7 8 9 0 - = del
tab q w e r t y u i o p [ ]
caps a s d f g h j k l ; ' return
shift z x c v b n m , . / shift
Space