25 Lakh Tata Capital Home Loan

Securing a home loan offers a convenient and comfortable way to bring your dream home closer. Understanding all the hidden costs, EMI calculations, and eligibility criteria ensures you make the most informed decision. Urban Money helps discover reliable options, such as a 25 Lakh EMI from Tata Capital. With flexible repayment tenures and competitive interest rates, Tata Capital is a preferred choice for many borrowers. Its manageable EMI options and hassle-free application process make homeownership simpler. Read on to explore your homeownership journey with Tata Capital's 25 Lakh housing loan.

Get in Touch for Home Loan Expert Advice
Connect with our Home Loan Advisor Now!
  • Personalized Home Loan solutions
  • Expert guidance
  • Application assistance
  • Credit score discussion
  • Home Loan Interest rate comparison
+91
Choose City

Written By
Khushi Sondhi
Khushi Sondhi
Khushi Sondhi is more than a writer at Urban Money; she translates financial jargon into relatable language. With a background in commerce and a passion for financial, Khushi simplifies complex topics and makes finance accessible. She’s committed to taking the intimidation out of money matters, helping readers make informed decisions with ease.
Reviewed By
Amit Prakash Singh
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.

25 Lakh Home Loan Tata Capital – Highlights

Before considering a 25 Lakh home loan EMI from Tata Capital, it’s important to understand the key features that make it a competitive option for homebuyers. Below are the highlights of what this loan offers:

Feature Details
Loan Amount ₹25 Lakh
Tata Capital Home Loan Interest Rate for 25 Lakh Starts from 8.75% (subject to change based on eligibility)
Repayment Tenure Up to 30 years
Processing Fees 0.5% to 2% of the loan amount
Prepayment Charges Nil for individuals (with a floating rate of interest)
Application Process Completely online or branch visit
Special Features
  • Enjoy competitive interest rates
  • Choose your desired loan amount
  • Flexible options for EMI
  • Pre-close your loan at your convenience

25 Lakh Home Loan EMI for 5 Years Tata Capital

If you intend to repay your 25 Lakh home loan EMI for 5 years from Tata Capital, here are the estimated EMIs and total interest that will be payable.

Loan Amount (₹) Interest Rate (p.a.) Tenure Total Amount Payable Total Interest Payable Monthly EMI
25,00,000 8.75% 5 years ₹30,95,585* ₹5,95,585* ₹51,593*

25 Lakh Home Loan EMI for 10 Years Tata Capital

For those opting for a 25 Lakh home loan EMI for 10 years with Tata Capital, here are your monthly payments and total interest.

Loan Amount (₹) Interest Rate (p.a.) Tenure Total Amount Payable Total Interest Payable Monthly EMI
25,00,000 8.75% 10 years ₹37,59,803* ₹12,59,803* ₹31,332*

25 Lakh Home Loan EMI for 15 Years Tata Capital

For a longer tenure, a 25 Lakh home loan EMI for 15 years from Tata Capital offers a balance between manageable EMIs and total payable interest.

Loan Amount (₹) Interest Rate (p.a.) Tenure Total Amount Payable Total Interest Payable Monthly EMI
25,00,000 8.75% 15 years ₹44,97,519* ₹19,97,519* ₹24,986*

25 Lakh Home Loan EMI for 20 Years Tata Capital

If you opt for a 25 Lakh home loan EMI for 20 years with Tata Capital, here are the total and monthly payment details.

Loan Amount (₹) Interest Rate (p.a.) Tenure Total Amount Payable Total Interest Payable Monthly EMI
25,00,000 8.75% 20 years ₹53,02,264* ₹28,02,264* ₹22,093*

25 Lakh Home Loan EMI for 25 Years Tata Capital

With a 25 Lakh home loan EMI for 25 years from Tata Capital, the monthly payments are spread out over a longer period, reducing the EMI but increasing the total interest.

Loan Amount (₹) Interest Rate (p.a.) Tenure Total Amount Payable Total Interest Payable Monthly EMI
25,00,000 8.75% 25 years ₹61,66,077* ₹36,66,077* ₹20,554*

25 Lakh Home Loan EMI for 30 Years Tata Capital

If you want lower monthly payments, a 25 Lakh home loan EMI for 30 years from Tata Capital offers the most extended repayment option. However, it comes with a higher total interest. Have a look at the details.

Loan Amount (₹) Interest Rate (p.a.) Tenure Total Amount Payable Total Interest Payable Monthly EMI
25,00,000 8.75% 30 years ₹70,80,304* ₹45,80,304* ₹19,668*

25 Lakh Tata Capital Home Loan – Fees and Charges

Understanding the fees associated with a Tata Capital home loan of 25 Lakh is essential for proper financial planning. Below is a breakdown of the applicable costs:

Fee Type Details
Processing Fee 0.5% to 2% of the loan amount
Prepayment Charges Nil for individuals with a floating interest rate
Late Payment Charges 1% to 2% additional interest on the overdue amount
Loan Statement Charges Free for the first copy; charges applicable for additional requests

25 Lakh Tata Capital Home Loan – Documents Required

Preparing all the necessary documents in advance is crucial to making the loan application smooth and hassle-free. Crosscheck if you have a valid proof of your identity, address, income, and loan details ready for submission.

For Salaried Individuals

Document Type Details
Age Proof Date of birth certificate, passport, or any government-issued document with DOB
Photo Identity Proof Aadhaar, PAN card, or passport
Address Proof Aadhaar, utility bills, or rental agreement
Income Proof Latest salary slips, Form 16, or bank statements
Existing Loan Details Documentation of ongoing loans, if applicable
Processing Fee Cheque A cheque for processing fee payment

For Self-employed Individuals

Document Type Details
Age Proof Date of birth certificate, passport, or any government-issued document with DOB
Photo Identity Proof Aadhaar, PAN card, or passport
Address Proof Aadhaar, utility bills, or rental agreement
Business Proof GST registration, business registration, or partnership deed
Income Proof Income tax returns, profit and loss statements, or bank statements
Existing Loan Details Documentation of ongoing loans, if applicable
Processing Fee Cheque A cheque for processing fee payment

25 Lakh Tata Capital Home Loan – Eligibility Criteria

Tata Capital offers housing loans to both salaried and self-employed individuals with straightforward eligibility requirements. You can instantly check your eligibility using their online Home Loan eligibility calculator. The following factors affect your eligibility for a Tata Capital 25 Lakh home loan:

Eligibility Factor Criteria
Age Younger borrowers can benefit from lower EMIs by opting for longer tenures, while older borrowers may prefer shorter tenures to match their financial and retirement plans.
Employment Type Available for both salaried and self-employed individuals
Minimum Income Varies based on the location and loan amount
Credit Score A good credit score (typically 650 and above) is preferred
Loan Tenure Up to 30 years based on eligibility

Frequently Asked Questions (FAQs)

What is the EMI for a 25 Lakh Home Loan for 20 years in Tata Capital?

With a 20-year loan tenure, the EMI cost of a 25 Lakh Home Loan from Tata Capital is INR 22,093.

Who is eligible for a 25 Lakh Home loan in Tata Capital?

Salaried and self-employed individuals can apply for a 25 Lakh home loan from Tata Capital if they meet the required income and credit score criteria.

What is the monthly interest rate of a 25 Lakh home loan in Tata Capital?

The monthly interest rate for a 25 Lakh home loan at Tata Capital starts from 8.75%, but it may vary based on your eligibility and loan terms.

Urban Money