Tata Capital Home Loan
Tata Capital Home Loan with competitive rates, Tata Group servicing standards, and LAP bundle option.
Documents required
- PAN Card
- Aadhaar Card
- Income proof
- Property documents
- Agreement to sell
- Builder NOC
As published by Tata Capital. Your branch may ask for more.
Best for: Salaried buyers in metros wanting Tata Group servicing and a possible LAP upgrade later.
Rate structure
- Salaried8 – 13% p.a.
- Self-employed8.35 – 13% p.a.
Eligibility
The upper age limit is set so the loan closes by retirement.
Loan terms
- Tata Group backing
- Loan against property option
- Top-up after 12 months
Fees & charges
Tax: principal up to ₹1.5L under 80C and interest up to ₹2L under 24(b) per year for a self-occupied home (subject to conditions). Confirm with a tax adviser.
FAQ
Most home loans are floating (EBLR/repo-linked). Floating-rate loans to individuals carry no foreclosure charge, so you can prepay freely — usually the better choice unless you specifically need rate certainty.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.