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Home Loan

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What Is A Home Loan?

We provide home loans In affordable interest rates . Our housing loan offerings are tailor-made for purchasing or constructing a new house. You also have the flexibility to choose your home loan amount, tenure, and EMIs as per your requirements. We involves minimum documentation, instant approval, and quick processing.
We Are one-stop shop for all your home loan needs, we offer a  variety of products to suit every need. You want to buy a new home? Check. Prefer to build one? Check. We offer a range of home loan solutions to make your dream home a reality. 

 

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Home Loan Advantages

 
  • Attractive Home Loan Interest Rates.
  • Easy Eligibility Criteria.
  • Instant approval

Purpose

  • For purchase or for construction of new or old house or flats
  • For extension of existing house
  • The old house should not be more than 15 years old
 

Home Loan FAQ

What are the benefits of Home Loan?

Some of the benefits of the Home Loan are:

  • Flexible repayment solutions
  • Lower home loan interest rate
  • Tax benefits
  • Door to door services.

Can a sanctioned home loan be cancelled?

Yes, a sanctioned home loan can be cancelled. However, the processing fees charged during the home loan sanction process will not be refunded. If you want to cancel your loan after receiving your home loan sanction letter, write to your lender. Make sure you do this well before the loan’s disbursal.

Is there a prepayment penalty for a home loan?

Ans. Yes most banks charge a pre-payment penalty of 2-3% on the outstanding home loan principal amount.

Can I get a home loan with poor credit history?

in case you have poor credit history or score such as a credit score less than 750, it might be difficult for you to get a home loan by yourself. In such a situation it is advisable you get a co-borrower with good credit history from among family members such as your spouse or parents.

Home Loan Disbursement :

Home loan interest rates vary on the basis of the loan amount, the credit history/score of the applicant as well as previous relationship of the borrower with the lender. Additionally, home loans are linked to the base rate prescribed by RBI, however, banks provide home loan online at a certain percentage above the base rate. 
 
  • In case of construction of house, it is based on stages of progress.
  • In case of flat, disbursement is on progress of construction.
  • In case of completed flat, the disbursement is done in one go.

Home Loan Eligibility :

You have to meet some basic conditions to get a home loan. Our easy-to-use home loan eligibility calculator will let you determine your housing loan eligibility in a quick and seamless manner. You can use our Home Loan Eligibility Calculator to find out your eligibility. To be eligible for Tata Capital Home Loan, you have to meet a few basic home loan eligibility criteria. 

  • You should be a salaried individual or a self-employed professional
  • Individuals or Group of Individuals or Members of Cooperative Society
  • Employed: 3 years confirmed service
  • Self employed: 3 years in the business
  • Not a defaulter and should not enjoy any other credit facility of same nature
  • Should own the house in his name or spouse
  • Applicant not more than 60 years

Ways to Improve Your Home Loan Eligibility

There are four major ways in which you can improve your home loan eligibility. They are –

  • Opting for a Longer Tenure

  • Improving Your CIBIL Score

  • Having an Additional Source of Income

  • Adding a Co-applicant

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4 Easy Steps For Loan Application