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35 Lakh Tata Capital Home Loan
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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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₹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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