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Tata Capital Home Loan

Tata Capital Home Loan


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Tata Capital Home Loan

About Tata Capital

Tata Capital Limited was established in 2007 with the sole aim of providing focused and transparent financial solutions to help people realize their dreams. Being a subsidiary of the legendary Tata Sons Limited, we strive hard to make this happen. Registered with the Reserve Bank of India as a Systemically Important Non-Deposit Accepting Non-Banking Financial Company (NBFC), the company operates across various areas of business namely the Commercial Finance, Infrastructure Finance, Wealth Management, Consumer Loans and distribution and marketing of Tata Cards. Today, Tata Capital Financial Services Limited is 100 branches.

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What Is a Home Loan?

Home Loan is offered to individuals who wish to construct or buy a house. The property bought or about to be constructed is mortgaged as collateral until the repayment of the loan is completed with full interest. The repayment of the loan generally depends on the capacity of the borrower. Normally, the home loan tenure ranges between 5 to 30 years. The borrower can opt either for floating type of interest or fixed interest rate. Home loan provides tax benefits to the borrowers.

An Introduction to Tata Capital Home Loans

Tata Capital offers a wide range of services in the home loan segment. It is the most preferred bank by all kinds of people for any financial service. Packed with exclusive benefits, Tata Capital Home Loans are tailor made catering to the needs of various customers.

Advantages of Tata Capital Home Loans

  • Attractive interest rates with floating and fixed type based on your preference
  • Low processing fees
  • Less paperwork
  • No prepayment penalties
  • Easy home loan balance transfer
  • Transparent application process
  • Flexible repayment options

Key Highlights

Eligibility CriteriaSalaried and Self-Employed
Loan TenureDecided based on credit profile
Loan AmountUp to INR 10 Crores
Interest RateStarts from 8.50% onwards
Prepayment ChargesNil

Features of Tata Capital Home Loan

Objective: Tata Capital home loan aims to help millions of people achieve their dream of owning a house.

Loan Amount: The loan amount is also determined by the repaying capacity and credit profile. The minimum loan amount is INR 2 Lakhs and the you can get the maximum loan amount of INR 10 crores subject to 80% market value of the property.

Rate of Interest: The current interest rates for loan amount INR 30 Lakhs starts from 8.50% onwards, for loan amount between INR 30 Lakhs to 75 Lakhs, the interest rate starts from 8.65% onwards and loans above INR 75 Lakhs, the interest rate is 8.75%.

Tenure: The repayment period is determined based on the loan amount, repaying ability

Easy Balance Transfer: With this facility, you can transfer your existing home loan with other bank to Tata Capital for a lower interest rate.

Prepayment: No charges are levied on partial prepayment or foreclosure of the home loan.

Insurance Policy: An insurance cover to protect your family against repayment of home loan in the event of unfortunate situations.

Eligibility: You should be a self-employed or a salaried professional. You should be 24 years of age at the time of loan application or above than that. Moreover, you should be 65 years old at the time of loan maturity.

Documents Required to Apply for Tata Capital Home Loans

Important documents to be submitted while applying for home loans with Tata Capital

  • Completed loan application
  • 3 Passport size photographs
  • Proof of identify (photo copies of Voters ID card/ Passport/ Driving licence/ IT PAN card)
  • Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill)
  • Statement of Bank Account/ Pass Book for last six months
  • Form 16/IT returns for the last two financial years for salaried employees
  • IT returns for the three years for self-employed professionals
  • Property tax receipt
  • Proof of business address for non-salaried individuals
  • Personal assets and liabilities statement

For guarantor (wherever applicable):

  • Personal Assets and Liabilities Statement
  • 2 passport size photographs
  • Proof of identification as above
  • Proof of residence as above
  • Proof of business address as above
  • Signature identification from his/her present bankers

EMI Payment Methods

Your Tata Capital home loan can be repaid in following three ways.

Standing Instruction (SI):

If you are an existing account holder with Tata Capital, Standing Instruction is the best mode of repayment. Your EMI amount will be debited automatically at the end of the monthly cycle from the Tata Capital account you specify.

Electronic Clearing Service (ECS):

This mode can be used if you have a non-Tata Capital account and would like your EMIs to be debited automatically at the end of the monthly cycle from this account.

Post-Dated Cheques (PDCs):

You can submit post-dated EMI cheques from a non-Tata Capital account at your nearest Tata Capital Loan Centre. A fresh set of PDCs will have to be submitted in a timely manner. Please note Post Dated Cheques will be collected non-ECS locations only.

It is recommended that you opt for either the SI or ECS mode of payment for faster and less prone to error than the use of PDCs.

How to Apply for Tata Capital Home Loan?

You can either apply online or visit a nearby Tata Capital branch for the application. You can also download the home loan application form from the Tata Capital official website, complete the form and submit it the bank representative.

You can also check your eligibility for a home loan through CreditMantri and apply for it.

Summary of Tata Capital Home Loans

With attractive interest rates and low processing fees, Tata Capital caters to the needs of various sections of people. Floating and fixed type of interest rate are available according to the preference of the customers. The borrowers can prepay the Tata Capital home loan without any penalty. Tata Capital home loan is the best option to buy or construct your dream house.

Tata Capital Home Loan FAQs

1. Is there penalty for prepaying the Tata Capital Home Loan?

No penalty is levied for prepaying the Tata Capital Home Loan.

2. Can I top up my existing Home Loan?

Yes, you can get additional funding on your existing home loan.

3. What is the maximum loan repayment period for Tata Capital home loans?

The maximum repayment is determined based on your repaying ability, credit profile and loan amount.

4. How Can I apply for Tata Capital home loan?

You can either apply online or visit a nearest Tata Capital branch and take the help of the bank’s representative.

5. What is the maximum loan amount provided by Tata Capital?

The maximum loan amount is up to INR 10 crores.

6. Does Tata Capital facilitate balance home loan transfer?

Yes, you can transfer your existing home loan to Tata Capital.

7. Can I get tax benefits from Tata Capital Home Loan?

As per Section 80C read with section 80CCE of the Income Tax Act, 1961 the principal repayment up to INR 150,000 on your home loan will be allowed as a deduction from the gross total income subject to fulfilment of prescribed conditions.

Tata Capital Home Loan - Customer Reviews

4 / 5 (23 Reviews)
14 Feb 2017

"Simple, easy-to-fill online form Apply through CreditMantri if you done want any hassles while you are applying for a home loan. Simple, easy-to-fill online form and instant advice on eligibility. This is the most useful feature. I compared different interest rates before choosing Tata capital home loan. They are pretty fast in processing the documents for the customer. The rate and charges applied was also good and it is as per the market standards. Very happy with CreditMantri for guiding me and helping me get the loan. Thank you!"

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