45 Lakh Tata Capital Home Loan

Home Loan By Other
Home Loan By Property
Home Loan By Profession
Home Loan By Amount

A Tata Capital 45 Lakh home loan can help smooth your homeownership journey. The loan amount can be easily used for purchase, construction or renovation purposes. With benefits like minimal documentation and quick sanction, borrowers enjoy unhindered financial assistance. The Tata Capital home loan interest rate for 45 lakh starts at 8.75% p.a. with a loan term of up to 30 years. At Urban Money, we ensure home loan seekers enjoy a simple and hassle-free journey. Read ahead to find complete details regarding Tata Capital’s 45 Lakh home loan, including applicable charges, EMIs, eligibility criteria, document requirements and more.

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

Full Name

+91Mobile No.

Choose City

I agree to the Terms and Conditions of TUCIBIL and hereby provide explicit consent to share my Credit Information with Urban Money Private Limited.

Table of Content

1. 45 Lakh Home Loan Tata Capital Highlights

2. 45 Lakh Home Loan EMI for 5 Years Tata Capital

3. 45 Lakh Home Loan EMI for 10 Years Tata Capital

4. 45 Lakh Home Loan EMI for 15 Years Tata Capital

5. 45 Lakh Home Loan EMI for 20 Years Tata Capital

6. 45 Lakh Home Loan EMI for 25 Years Tata Capital

7. 45 Lakh Home Loan EMI for 30 Years Tata Capital

8. 45 Lakh Tata Capital Home Loan Fees and Charges

9. 45 Lakh Tata Capital Home Loan Documents Required

10. 45 Lakh Tata Capital Home Loan Eligibility Criteria

Written By

Aayush Kukreja

Aayush uses his strong background in commerce and business to decode financial concepts for his readers. With an approach full of curiosity, he talks about money in a relatable and engaging manner. His in-depth research skills help explain the most complicated subjects in the simplest of manners. Specialising in a range of financial domains, Aayush provides precise, informative, and insightful content.

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.

45 Lakh Home Loan Tata Capital – Highlights

Take a look at some key highlights of a Tata Capital 45 Lakh Home Loan below:

Interest Rates	8.75% per annum onwards
Loan-To-Value (LTV) Ratio	Up to 90% of the property value
Loan Tenure	5 – 30 years
Eligible Candidates	Salaried employees, Self-employed and Entrepreneurs
Co-applicant Tax Benefit	Tax deductions up to 2 lakh as per Section 24 of the IT Act Claim deductions up to 1.5 lakh as per Section 80C of the IT Act

45 Lakh Home Loan EMI for 5 Years Tata Capital

The 45 lakh home loan EMI with Tata Capital for a tenure of 5 years is detailed below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹45 Lakh	8.75% p.a.	5 years	₹92,868	₹10,72,053	₹55,72,053

45 Lakh Home Loan EMI for 10 Years Tata Capital

45 Lakh home loan EMI for 10 years with Tata Capital is detailed below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹45 Lakh	8.75% p.a.	10 years	₹56,397	₹22,67,645	₹67,67,645

45 Lakh Home Loan EMI for 15 Years Tata Capital

EMI for a 45 Lakh home loan with Tata Capital for a period of 15 years is detailed below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹45 Lakh	8.75% p.a.	15 years	₹44,975	₹35,95,534	₹80,95,534

45 Lakh Home Loan EMI for 20 Years Tata Capital

45 Lakh home loan EMI for 20 years with Tata Capital is detailed in the table below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹45 Lakh	8.75% p.a.	20 years	₹39,767	₹50,44,076	₹95,44,076

45 Lakh Home Loan EMI for 25 Years Tata Capital

Tata Capital Home Loan 45 Lakh EMI for a tenure of 25 years is detailed below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹45 Lakh	8.75% p.a.	25 years	₹36,996	₹65,98,939	₹1,10,98,939

45 Lakh Home Loan EMI for 30 Years Tata Capital

Tata Capital Housing Loan EMI for 45 Lakh loan for a period of 30 years is detailed below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹45 Lakh	8.75% p.a.	30 years	₹35,402	₹82,44,547	₹1,27,44,547

45 Lakh Tata Capital Home Loan – Fees and Charges

The applicable fees and charges for a Tata Capital 45 Lakh home loan include the following:

Charge	Salaried Applicant	Self-Employed Applicant
Interest Rate	8.75% p.a. onwards	8.85% p.a.
Processing Fee	Starting at 0.10% of the loan amount + GST	Starting at 0.20% of the loan amount + GST
Foreclosure Charges	Nil/ Nominal Charges	Nil/ Nominal Charges
Delayed EMI Payments	2% surcharge on the existing interest rate for the period of delay	2% surcharge on the existing interest rate for the period of delay

45 Lakh Tata Capital Home Loan – Documents Required

An applicant is required to submit the following documents while applying for a Tata Capital 45 Lakh home loan:

Fully filled application form with passport-size photograph
Identity Proof (Aadhar Card/ Driver’s License/ Passport)
Address Proof (Rental Agreement/ Utility Bills/ Voter ID)
Income Proof (Form 16/ Tax Returns/ Salary Slip)
Property Documents (Property Agreement/ Construction Agreement/ Sale Deed)
Existing Loan Details
Processing Fee Cheque
Business Proof (for self-employed applicants)

45 Lakh Tata Capital Home Loan – Eligibility Criteria

45 Lakh home loan eligibility at Tata Capital is as follows:

Criteria	Requirement
Age	21-65 years
Employment Profiles	Salaried, Self-employed, Entrepreneurs
Credit Score	Good credit score reflecting financial strength
Minimum Income	₹30,000 with at least 2 years of work experience/ 3 years of experience in the same business

Quick Links

Loan Offers By Tata Capital Housing Finance Limited's

Home Loan by Nationalized Bank

Home Loan Calculators