35 Lakh Tata Capital Home Loan

Are you thinking of purchasing a new house and need a suitable home loan financing option? Then, opt for Tata Capital's ₹35 lakh home loan. It is specially designed to meet your financial needs. With attractive interest rates starting at 8.75%, Tata Capital housing loan EMI for ₹35 lakh is affordable and flexible. It allows a repayment period of up to 30 years. The ₹35 lakh home loan eligibility at Tata Capital is easy to meet. It caters to salaried individuals, self-employed professionals, and members of housing societies. Tata Capital ensures that many applicants can benefit from this offer. If you're buying a new property or constructing your dream home, Tata Capital provides a reliable and supportive lending experience.

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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.

₹35 Lakh Home Loan Tata Capital – Highlights

Have a look at Tata Capital’s home loan interest rates for ₹35 lakhs, along with its highlights:

Features Details
Loan Amount Rs. 35,000,00
Interest Rate Starting at 8.75% 
Foreclosure Charges There are no prepayment charges when paid with one’s own funds
Loan to Value (LTV) Up to 80-90% of the property value

₹35 Lakh Home Loan EMI for 5 Years Tata Capital 

Here is a breakdown of Tata Capital’s housing loan EMI for ₹35 lakhs:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹35 lakhs 8.75% p.a. 5 years ₹72,230 ₹8,33,819 ₹43,33,819

₹35 Lakh Home Loan EMI for 10 Years Tata Capital 

Have a look at the ₹35 lakh home loan EMI for 10 years from the Tata Capital:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹35 lakhs 8.75% p.a. 10 years ₹43,864 ₹17,63,724 ₹52,63,724

₹35 Lakh Home Loan EMI for 15 Years Tata Capital

For an amount of ₹35 lakhs, 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
₹35 lakhs 8.75% p.a. 15 years ₹34,981 ₹27,96,527 ₹62,96,527

₹35 Lakh Home Loan EMI for 20 Years Tata Capital

The details for a ₹35 lakh 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
₹35 lakhs 8.75% p.a. 20 years ₹30,930 ₹39,23,170 ₹74,23,170

₹35 Lakh Home Loan EMI for 25 Years Tata Capital 

Tata Capital’s home loan of ₹35 lakhs EMI for 25 years is as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total Amount Payment
₹35 lakhs 8.75% p.a. 25 years ₹28,775 ₹51,32,508 ₹86,32,508

₹35 Lakh 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
₹35 lakhs 8.75% p.a. 30 years ₹27,535 ₹64,12,425 ₹99,12,425

₹35 Lakh Tata Capital Home Loan – Fees and Charges 

Here are the fees and charges for a ₹35 lakh Tata Capital home loan:

Type of Fee/Charge Details
Processing Fee Up to 2% of the loan amount + GST
Foreclosure Charges No prepayment charges when pre-paying with one’s own funds
Delayed EMI Payments 2.36% PM (inclusive of GST) on the defaulted amount
Collection Agency Fee Charged to the borrower if a collection agency is hired due to loan default
Legal Charges Fees for legal verification of property documents passed to the borrower
Other Charges It may include home loan registration, MOD charges, PDC charges, loan cancellation fees, cheque bounce charges, account maintenance fees, and NOI charges

₹35 Lakh Tata Capital Home Loan – Documents Required

The required documents for a ₹35 lakh Tata Capital home loan are given below:

Document Type Salaried Persons Self-Employed Persons NRIs
Age Proof Passport, Driving License, Birth Certificate, PAN Card Same as Salaried Same as Salaried
Photo Identity Proof Voter ID, Passport, Driving Licence, Aadhaar, PAN Card Same as Salaried Same as Salaried
Address Proof Utility Bill, Bank Statement, Property Registration Documents Same as Salaried Same as Salaried
Income Proof Salary Slips (last 3 months), Bank Statements (last 12 months), Form 16 P/L Statement (last 2 years), Current Account Statements (last 12 months) Overseas salary account, NRE/NRO statements (last 12 months)
Business Proof N/A IT Returns (last 2 years), Business Registration Certificate N/A
Employment Proof N/A N/A Pay slips (last 6 months), Appointment letter
Credit Report N/A N/A Credit Report from current country
Existing Loan Details Bank or Loan Statements Same as Salaried Same as Salaried
Processing Fee Cheque From salary account From business account From salary or business account

₹35 Lakh Tata Capital Home Loan – Eligibility Criteria

To be eligible for a home loan, applicants must be between the ages of 21 and 65. A stable income is essential, and applicants can use an EMI or home loan eligibility calculator to determine their exact qualifications. The loan tenure ranges from 5 to 30 years, providing repayment flexibility. The loan is open to various employment profiles, including salaried individuals, self-employed professionals, and business owners. Maintaining a good credit score is also important as it shows financial responsibility and plays a significant role in loan approval.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹35 lakh home loan for 20 years in the Tata Capital?

The EMI for a ₹35 lakh home loan for 20 years at Tata Capital with an interest rate of 8.75% is approximately ₹30,930.

Who is eligible for a ₹35 lakh home loan in the Tata Capital?

Applicants aged 21 to 65 with a stable income and a good credit score are eligible for a ₹35 lakh home loan from Tata Capital.

What is the monthly interest rate of a ₹35 lakh home loan in Tata Capital?

The monthly interest rate for a ₹35 lakh home loan from Tata Capital is around 0.73%.

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