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Check Credit ScoreHome Loan with instant approval starting
@ 8.75% p.a
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Home Loan for all your needs
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Check Credit ScoreAvail Loan Against Property up to ₹ 7.5 Crores
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Loans for all your needs
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Apply for a Housing Loan of Upto 5 Crore at 8.75%* p.a Tenure Upto 30 years
Tata Capital offers home loans up to ₹5 crores* with a low interest rate starting from just 8.75% per year. Enjoy a seamless online application process, minimal documentation, and instant provisional sanction. With loan terms of up to 30 years, Tata Capital ensures your journey to homeownership is smooth and stress-free.
Loan amount offered
Up to ₹5 crores*
Loan tenure
Upto 30 years
Interest rate starting @
8.75%* p.a.
Are you unsure about your eligibility for your dream home loan? We offer easy online checks to see if you qualify for up to Rs.5 crore*.
| Eligibility Criteria | Details |
|---|---|
| Age Specifications | Applicants aged 21–65 years are eligible |
| Income Criteria | Stable income required. Use our EMI or home loan eligibility calculator for details. |
| Loan Tenure | 5-30yrs |
| Employment Profiles | Open to salaried employees, self-employed professionals, and entrepreneurs. |
| Credit Health | A good credit score is essential for loan approval, reflecting financial discipline and creditworthiness. |
Discover Home Loan Interest Rates and Charges below
| Particulars | Salaried | Self-Employed |
|---|---|---|
| Loan amount | ₹ 5 lakhs to ₹ 5 crores | ₹ 5 lakhs to ₹ 5 crores |
| Loan tenure | Up to 30 years | Up to 30 years |
| Interest Rate | 8.75% per annum | Starting rate @ 8.85% |
| Required documents | ||
| Online Eligibility Check | ||
| Eligibility criteria | Min. salary of Rs. 30,000 with at least 2 years of work experience | 3 years of experience in the same business |
| Co-applicant tax benefit | Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C | Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C |
| Processing fees | Starting @ 0.10% of Loan Amount + GST | Starting @ 0.20% of Loan Amount + GST |
| Foreclosure Charges | No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds | No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds |
| Delayed EMI Payments | 2% over and above the prevailing housing loan interest rate for the delayed period | 2% over and above the prevailing housing loan interest rate for the delayed period |
| Other Charges |
Availing a home loan requires providing documents to verify your identity, income, and the details of the property. This helps us process your loan smoothly and tailor it to your needs. Here are the documents you need:
Enter your basic details
Check your eligibility
Pay the processing fee
Upload Documents
Get Provisional Sanction
| Dos | Don’ts |
|---|---|
| Ensure you meet the Loan criteria to avoid rejection. | Read the loan agreement thoroughly to avoid surprises. |
| Have all required documents ready to avoid delays. | Consider the lender's reputation and services, not just interest rates. |
| Be sure you can manage the EMI, even in emergencies. | Avoid applying to multiple lenders at once to protect your credit score. |
| Understand every clause; ask questions if unclear. | Avoid overspending or missing EMIs. |
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Know MoreHere’s an breakdown of Tata Capital's house loan repayment options:
Know more about Home Loans
A home loan is money one can borrow from a bank or a lender to buy a house or an apartment. Instead of paying for the whole property upfront, you can pay back the loan in smaller amounts over time.
We provide different types of housing loans for different needs like – Home extension loan, loan for self-construction, affordable housing loan, top-up etc.
A co-applicant in a home loan can typically be a spouse, parent, sibling, or child, sharing the loan's responsibility and benefits.
At Tata Capital, you can avail home loans ranging from ₹ 5 lakhs upto ₹ 5 crores. To get a more personalised estimate of the amount you can borrow based on your unique financial profile, we encourage you to use our home loan EMI calculator or check our home loan eligibility criteria. Additionally, for any specific queries or assistance, feel free to apply online or contact our customer service team.
Yes, it is possible to avail of two home loans at the same time, but there are certain conditions and eligibility criteria that you should be aware of. Availing of multiple home loans simultaneously typically involves meeting specific financial and creditworthiness requirements. Here are some key points to consider:
Regarding the maximum duration allowed for repaying a home loan, it can vary depending on the lender and the loan agreement terms. Home loans often have a maximum tenure of 30 years, but this can vary. Some lenders may offer shorter or longer loan tenures based on their policies and the borrower's eligibility.
Eligibility depends on various factors, including the lender's criteria. Some lenders may approve loans for individuals with a salary of ₹15,000, but the loan amount might be limited.
The EMI depends on the interest rate and loan tenure. For example, at an 8.75% interest rate over 20 years, use an EMI calculator for precise figures.
Most lenders do not offer 100% financing. Generally, you need to make a down payment of 10-20% of the property value.
Section 24 of the Income Tax Act allows a person to claim a tax deduction for the interest on a home loan up to a maximum of Rs. 2,00,000. You can claim this deduction if you finish building the house within five years; else, you can only claim Rs. 30,000.
Tata Capital home loan processing fee is 0.5%.
Factors include your income, credit score, employment stability, age, existing liabilities, and the property's value.
Home loan insurance is not mandatory but is recommended for financial security.
You can track the status using your application reference number through the lender's online portal, customer service, or mobile app.
Adding a co-applicant boosts housing loan eligibility by combining incomes, easing repayment as responsibilities are shared, and may secure benefits like lower interest rates and higher tax deductions.
No, a guarantor is not required to apply for a home loan. As long as you meet the eligibility criteria, you can apply on your own. However, if you want to share the financial responsibility, you can opt for a joint home loan with a co-applicant. This can be your parent, spouse, sibling, or child.
Once you submit all the necessary documents with your application, we review your personal and property details. If everything checks out, including the property’s evaluation, approval is granted on the spot. After approval, the loan is typically disbursed within 3 to 5 business days.
You can take a joint home loan in India with co-borrowers like your spouse, parent, sibling, or child. A joint loan considers the combined income of all applicants, making you eligible for a higher loan amount. Required documents include identity proof, address proof, income proof, proof of co-ownership, and property documents.
It's possible to switch between fixed and floating interest rates at any time during the loan tenure by paying a small fee. However, switching frequently may not be allowed. Since your interest rate choice affects your EMIs, it’s important to carefully evaluate your financial needs before making the switch.
Securing a home loan can be beneficial if you’re planning to purchase a home. It allows you to break down a large financial commitment into manageable monthly payments, reducing the immediate burden on your savings. Plus, with flexible repayment options and potential tax benefits, housing finance can help you achieve homeownership more easily.
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