12 Lakh Tata Capital Home Loan

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You can achieve various housing-related goals with Tata Capital's 12 Lakh home loan. One can use this loan to renovate their existing home, focusing on essential upgrades like modernising the kitchen, adding a new bathroom, or refreshing the interiors. For homeowners seeking to increase their property’s value, the loan can also fund an extension or a new floor, providing additional living space. Additionally, applicants should consider the associated charges for this scheme. The loan tenure for Tata Capital's 12 Lakh home loan is up to 30 years, with the interest rate starting from 8.75% annually. The processing fee is up to 2% of the loan amount plus GST, covering administrative costs.

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Table of Content

1. 12 Lakh Home Loan Tata Capital Highlights

2. 12 Lakh Home Loan EMI for 5 Years Tata Capital

3. 12 Lakh Home Loan EMI for 10 Years Tata Capital

4. 12 Lakh Home Loan EMI for 15 Years Tata Capital

5. 12 Lakh Home Loan EMI for 20 Years Tata Capital

6. 12 Lakh Home Loan EMI for 25 Years Tata Capital

7. 12 Lakh Home Loan EMI for 30 Years Tata Capital

8. 12 Lakh Tata Capital Home Loan Fees and Charges

9. 12 Lakh Tata Capital Home Loan Documents Required

10. 12 Lakh Tata Capital Home Loan Eligibility Criteria

Written By

Rahul Gautam

Rahul is a finance writer with a background in Journalism. He specialises in making complex financial topics easy to understand. He writes about credit cards, banking, loans, and financial institutions, helping readers explore the financial world with clarity and confidence. His work is both informative and engaging.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

₹12 Lakh Home Loan Tata Capital – Highlights

Here is a 12 Lakh home loan EMI Tata Capital with key highlights:

Key Highlights	Details
Loan Amount	12 Lakh
Interest Rate	Starts at 8.75% for Salaried & 8.85% for Self-employed
Loan Term	Up to 30 years
Age	21 to 65 years

₹12 Lakh Home Loan EMI for 5 Years Tata Capital

Let’s breakdown the Tata Capital’s housing loan EMI for ₹12 Lakhs:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹12 Lakhs	8.75% p.a.	5 years	24,765	2,85,881	14,85,881

₹12 Lakh Home Loan EMI for 10 Years Tata Capital

Here is the ₹12 Lakh home loan emi for 10 years for Tata Capital:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹12 Lakhs	8.75% p.a.	10 years	15,039	6,04,705	18,04,705

₹12 Lakh Home Loan EMI for 15 Years Tata Capital

Tata Capital’s home loan of 12 Lakh EMI for 15 years is mentioned below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹12 Lakhs	8.75% p.a.	15 years	11,993	9,58,809	21,58,809

₹12 Lakh Home Loan EMI for 20 Years Tata Capital

₹12 Lakh home loan emi for 20 years Tata Capital is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹12 Lakhs	8.75% p.a.	20 years	10,605	13,45,087	25,45,087

₹12 Lakh Home Loan EMI for 25 Years Tata Capital

Tata Capital’s home loan of ₹12 Lakhs EMI for 25 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹12 Lakhs	8.75% p.a.	25 years	9,866	17,59,717	29,59,717

₹12 Lakh Home Loan EMI for 30 Years Tata Capital

Have a look at the detailed information about Tata Capital housing loan EMI for 30 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹12 Lakhs	8.75% p.a.	30 years	9,440	21,98,546	33,98,546

₹12 Lakh Tata Capital Home Loan – Fees and Charges

Knowing the fees and charges is important when planning to get a Tata Capital 12 Lakh home loan. Tata Capital maintains a straightforward fee structure to help you understand the costs involved.

Fee/Charge Type	Details	Applicable Fee
Processing Fee	Covers administrative expenses incurred while processing the loan application.	Up to 2% of the loan amount + GST
Prepayment Fees	The loan principal’s early repayment fee is waived if paid using personal funds.	No charge for personal fund prepayments
Late EMI Payment Fee	A penalty is applied to missed EMI payments, incentivising timely repayments to avoid extra costs.	2.36% per month on the overdue amount
Legal Verification Fees	Charged for the verification of property documents, ensuring compliance with legal standards.	As per the lender’s assessment and requirements
Additional/Miscellaneous Fees	Includes fees for services like account maintenance, cheque bouncing, and cancellation fees	Varies by service type and loan conditions

₹12 Lakh Tata Capital Home Loan – Documents Required

The bank will require the following documents to process the loan. This is essential to authenticate the customer’s identity and background.

Eligibility Criteria	Required Documents
Age	Proof of Identity (Aadhar Card, PAN Card, Passport) and Proof of Date of Birth
Income	Salary Slips (for salaried individuals), Income Tax Returns (ITR) for self-employed
Employment	Employment Letter or Offer Letter, Work Experience Certificate for salaried individuals; Business Registration Documents, Financial Statements for self-employed
Credit Score	Credit Report from recognised credit bureaus
Property Type	Property Title Deed, No Objection Certificate

₹12 Lakh Tata Capital Home Loan – Eligibility Criteria

To qualify for a Tata Capital 12 Lakh home loan, applicants must meet certain criteria, including age, income, employment status, and credit history. Applicants should be between 21 and 65 years old at loan maturity. They must have a stable income, whether salaried or self-employed, with salaried individuals needing at least two years of work experience and self-employed individuals requiring a business history of three years. A good credit score, ideally 750 or higher, increases the chances of approval and can lead to more favourable interest rates. Additionally, the property must meet Tata Capital’s standards and be in a location where they offer home loans. Meeting these criteria can improve approval chances and secure better loan terms.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹12 Lakh Home Loan for 20 years in the Tata Capital?

The EMI for a ₹ 12-lakh home loan for 20 years is ₹ 10,605, based on an interest rate starting from 8.75%.

Who is eligible for a ₹12 Lakhs Home Loan in the Tata Capital?

Eligibility for a ₹12 Lakhs Home Loan in the Tata Capital depends on your age, income, and credit score. You must have a stable income source and a credit score above 750 for better rates.

What is the monthly interest rate of a ₹12 Lakh home loan in Tata Capital?

The monthly interest rate of a ₹12 Lakh home loan in Tata Capital is 0.72%.

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