3 Crore Tata Capital Home Loan

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With Tata Capital’s ₹3 crore home loan, financing a premium property becomes hassle-free. Applicants can enjoy flexible repayment terms ranging from 5 to 30 years, allowing you to manage your monthly budget comfortably. This loan also comes with attractive interest rates, making it an affordable choice. Meeting the ₹3 crore home loan eligibility at Tata Capital is easy, ensuring quick access to funds. With a smooth application process and fast approvals, Tata Capital simplifies owning a luxurious home.

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Table of Content

1. 3 Crore Home Loan Tata Capital Highlights

2. 3 Crore Home Loan EMI for 5 Years Tata Capital

3. 3 Crore Home Loan EMI for 10 Years Tata Capital

4. 3 Crore Home Loan EMI for 15 Years Tata Capital

5. 3 Crore Home Loan EMI for 20 Years Tata Capital

6. 3 Crore Home Loan EMI for 25 Years Tata Capital

7. 3 Crore Home Loan EMI for 30 Years Tata Capital

8. 3 Crore Tata Capital Home Loan Fees and Charges

9. 3 Crore Tata Capital Home Loan Documents Required

10. 3 Crore Tata Capital Home Loan Eligibility Criteria

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Written By
Rishabh Baisoy
Rishabh Baisoy
With a background in journalism and mass communications, Rishabh might be clueless about his plans for the evening, but he clearly knows what to write. A proud cinephile, Rishabh makes the perfect choice to discuss any movie with. Poetry holds a special place in his heart, which mingles well with his wanderlust personality. While he physically exists in India, his heart beats for the red part of Merseyside. Rishabh educates and empowers readers towards financial success at Urban Money.
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.

₹3 Crore Home Loan Tata Capital – Highlights

Have a look at Tata Capital’s home loan interest rates for ₹3 crores, along with its highlights:

Features Details
Loan Amount Rs. 3,00,00,000
Interest Rate Starting at 8.75% 
Foreclosure Charges There are no prepayment charges when paid with one’s funds
Loan to Value (LTV) Up to 80-90% of the property value

₹3 Crore Home Loan EMI for 5 Years Tata Capital 

Here is a breakdown of Tata Capital’s housing loan EMI for ₹3 crores:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹3 Crores 8.75% p.a. 5 years ₹6,19,117 ₹71,47,019 ₹3,71,47,019

₹3 Crore Home Loan EMI for 10 Years Tata Capital 

Have a look at the ₹3 crore home loan EMI for 10 years from the Tata Capital:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹3 Crores 8.75% p.a. 10 years ₹3,75,980 ₹1,51,17,630 ₹4,51,17,630

₹3 Crore Home Loan EMI for 15 Years Tata Capital

For an amount of ₹3 crores, Tata Capital’s home loan EMI for 15 years is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹3 Crores 8.75% p.a. 15 years ₹2,99,835 ₹2,39,70,227 ₹5,39,70,227

₹3 Crore Home Loan EMI for 20 Years Tata Capital

The details for a ₹3 crore home loan EMI for 20 years from Tata Capital are given below:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹3 Crores 8.75% p.a. 20 years ₹2,65,113 ₹3,36,27,171 ₹6,36,27,171

₹3 Crore Home Loan EMI for 25 Years Tata Capital 

Tata Capital’s home loan of ₹3 crores EMI for 25 years is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹3 Crores 8.75% p.a. 25 years ₹2,46,643 ₹4,39,92,927 ₹7,39,92,927

₹3 Crore Home Loan EMI for 30 Years Tata Capital 

Detailed information about Tata Capital housing loan EMI for 30 years is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹3 Crores 8.75% p.a. 30 years ₹2,36,010 ₹5,49,63,644 ₹8,49,63,644

₹3 Crore Tata Capital Home Loan – Fees and Charges 

Here are the fees and charges for a ₹3 Crore Tata Capital home loan:

Fee/Charge Description When Applicable Amount/Rate
Processing Fee The administrative cost of processing the home loan application At the time of loan application Up to 2% of loan amount + GST
Foreclosure Charges Fee for paying off the loan before the tenure ends Only if prepayment is made with funds other than one’s savings No charge if using your funds
Delayed EMI Penalty Fine for missing or delaying EMI payments On missed or delayed EMI 2.36% per month on defaulted amount (GST included)
Collection Agency Fee Cost of engaging third-party agencies to recover unpaid amounts If loan defaults and recovery is required via a collection agency Varies based on agency charges
Legal Fees Charges for verifying property documents during the loan approval process During the home loan sanction process Based on actual legal verification costs
Other Miscellaneous Fees Additional charges include loan registration, MOD, cheque bounce, account maintenance, etc. As and when specific services are used or events occur It depends on the particular service or event, such as a cheque bounce

₹3 Crore Tata Capital Home Loan – Documents Required

The required documents for a ₹3 Crore Tata Capital home loan are given below:

Document Type Details Purpose
Age Proof Passport, Driving License, Birth Certificate, PAN Card, School Leaving Certificate Confirm that the applicant falls within the eligible age range of 21–65 years.
Photo Identity Proof Voter ID Card, Passport, Aadhaar Card, Driving License, PAN Card Validates the identity of the applicant, ensuring authenticity in the loan process.
Address Proof Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt Verifies the residential address, providing security to the lender about the borrower’s residence.
Income Proof Salary Slips (3 months), Bank Statements (12 months), Form 16 (for salaried) or Income Tax Returns, Profit & Loss Statements (for self-employed) Demonstrates the applicant’s ability to repay the loan by showing stable income or business earnings.
Existing Loan Details Bank Statements or Loan Statements Provides insight into the applicant’s current financial liabilities, ensuring they can handle an additional loan.
Processing Fee Cheque Cheque from salary or business account Used to pay the processing fee, covering administrative costs incurred by the lender while processing the home loan application.

₹3 Crore Tata Capital Home Loan – Eligibility Criteria

Below are the eligibility criteria for Tata Capital’s ₹3 crore home loan:

  • Applicants aged 21 to 65 are eligible for a home loan.
  • Applicants must have a reliable, stable income to qualify.
  • Loan tenures can range from 5 to 30 years, depending on borrower needs.
  • Both salaried employees, self-employed professionals, and entrepreneurs can apply.
  • A good credit score reflects financial discipline and is key to loan approval.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹3 crore home loan for 20 years in the Tata Capital?

The EMI for a Tata Capital ₹3 crore home loan over 20 years at 8.75% interest is around ₹2,65,113.

Who is eligible for a ₹3 crore home loan in the Tata Capital?

To qualify for a ₹3 crore home loan, applicants should have a stable income and a good credit history.

What is the monthly interest rate of a ₹3 crore home loan in Tata Capital?

The monthly interest rate on a ₹3 crore home loan is approximately 0.73%.

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