55 Lakh Tata Capital Home Loan

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Tata Capital's 55 lakh home loan offers a versatile and practical solution for all your needs. To begin with, whether you want to purchase a home, renovate an existing property, or construct a new one, eligible applicants can expect the necessary funds on time. The loan further features competitive interest rates, flexible repayment terms, nominal processing fees, and a streamlined documentation process. However, understanding the 55 lakh home loan EMI in Tata Capital is crucial to determining your repayment capacity and planning your finances accordingly. Let’s scroll down to learn more.

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Table of Content

1. 55 Lakh Home Loan Tata Capital Highlights

2. 55 Lakh Home Loan EMI for 5 Years Tata Capital

3. 55 Lakh Home Loan EMI for 10 Years Tata Capital

4. 55 Lakh Home Loan EMI for 15 Years Tata Capital

5. 55 Lakh Home Loan EMI for 20 Years Tata Capital

6. 55 Lakh Home Loan EMI for 25 Years Tata Capital

7. 55 Lakh Tata Capital Home Loan Fees and Charges

8. 55 Lakh Tata Capital Home Loan Documents Required

9. 55 Lakh Tata Capital Home Loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

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.

55 Lakh Home Loan Tata Capital – Highlights

The Tata Capital’s home loan interest rate for 55 lakhs and other key features are given below:

Interest Rates	8.75% per annum onwards
Loan-To-Value (LTV) Ratio	80% of the property value
Loan Tenure	5 – 30 years
Eligibility	Both salaried and self-employed individuals

55 Lakh Home Loan EMI for 5 Years Tata Capital

Let’s examine the 55 lakh home loan EMI in Tata Capital with a tenure of 5 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹55 Lakhs	8.75% p.a.	5 years	₹1,13,505	₹13,10,300	₹68,10,300

55 Lakh Home Loan EMI for 10 Years Tata Capital

Have a close look at the 55 lakhs home loan EMI for 10 years in Tata Capital:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹55 Lakhs	8.75% p.a.	10 years	₹68,930	₹27,71,600	₹82,71,600

55 Lakh Home Loan EMI for 15 Years Tata Capital

Following is the Tata Capital home loan of 55 lakhs EMI for a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹55 Lakhs	8.75% p.a.	15 years	₹54,970	₹43,94,600	₹98,94,600

55 Lakh Home Loan EMI for 20 Years Tata Capital

Below mentioned are the 55 lakhs home loan EMI for 20 years from Tata Capital:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹55 Lakhs	8.75% p.a.	20 years	₹48,604	₹61,64,960	₹1,16,64,960

55 Lakh Home Loan EMI for 25 Years Tata Capital

Let’s examine the 55 lakhs home loan EMI for 25 years from the Tata Capital:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹55 Lakhs	8.75% p.a.	25 years	₹45,218	₹80,65,400	₹1,35,65,400

55 Lakh Tata Capital Home Loan – Fees and Charges

Following are the certain fees and charges you should know beyond Tata Capital’s home loan interest rate of 55 lakhs:

Fee/Charge	Amount
Processing Fee	0.1% of the loan amount
Prepayment Charges	Nil
Late Payment Panality	2% extra above the prevailing interest rate
Legal Charges	Applicable
Stamp Duty and Registration	At actual

55 Lakh Tata Capital Home Loan – Documents Required

Let’s examine the necessary documents for Tata Capital’s 55 lakh home loan:

KYC Documents	Aadhaar Card, Election ID, Passport, Driving License, etc.
Residential Documents	Utility bills (Electricity/Water), Ration Card, Passport, etc.
Financial Documents	Salary slips, Bank statements, ITR, etc.
Property Documents	Sale agreement, allotment letter, or other property-related documents.

55 Lakh Tata Capital Home Loan – Eligibility Criteria

Below are the 55 lakh home loan eligibility criteria in Tata Capital:

Age Requirement	21 – 65 years old
Employment Status	Salaried or self-employed individual
Credit Score	Preferably 700 or higher
Nationality	Indian citizen

Frequently Asked Questions (FAQs)

What is the EMI for a 55 lakh home loan for 20 years in Tata Capital?

₹48,604 is the estimated EMI for a 55 lakh home loan over 20 years at Tata Capital, subject to an annual interest rate of 8.75%.

Who is eligible for a 55 lakh home loan in Tata Capital?

Both salaried and self-employed individuals are eligible for a 55 lakh home loan at Tata Capital.

What is the monthly interest rate of a 55 lakh home loan in Tata Capital?

The monthly interest rate for a 55 lakh home loan in Tata Capital starts at 0.73%.

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