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Looking for a quick and easy way to finance your dream home? Consider a 65 Lakh home loan from Tata Capital! You can trust Tata Capital to provide hassle-free home loans with competitive interest rates starting from 8.75% p.a. and a flexible tenure of up to 30 years. The bank has designed its EMI plans to suit various financial needs, making the home loan process efficient and reliable. Explore more information about the Tata Capital 65 Lakh home loan below and find the EMI amount for different loan tenures.
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65 Lakh Home Loan Tata Capital – Highlights
Before we get into the nitty-gritty of EMI payments for various loan durations, let’s go over the important points about the 65 Lakh Home Loan from Tata Capital. This highlight will help you understand the main segments of this loan offered; refer to the table below-
Feature | Details |
Loan Amount | Up to ₹65 Lakhs |
Tata Capital Home Loan Interest Rate of 65 Lakh | Starting from 8.75% p.a. |
Loan Tenure | Up to 30 years |
Processing Fee | 0.5% to 2% of loan amount |
65 Lakh Home Loan EMI for 5 Years Tata Capital
If you intend to settle a 65 Lakh home loan over a 5-year, Tata Capital provides competitive interest rates and manageable Equated Monthly Instalments. The following is a detailed breakdown of the EMIs for the 5-year term-
Loan Amount (₹) | Interest Rate (p.a.) | Tenure Of Loan | Total Amount Payable | Total Interest Payable | Monthly EMI |
65,00,000 | 9% | 5 years | ₹80,95,759* | ₹15,95,759* | ₹1,34,929* |
65 Lakh Home Loan EMI for 10 Years Tata Capital
EMI for a loan amount of 65 Lakh from Tata Capital when opted for a tenure of 10 years-
Loan Amount (₹) | Interest Rate (p.a.) | Tenure Of Loan | Total Amount Payable | Total Interest Payable | Monthly EMI |
65,00,000 | 9% | 10 years | ₹98,80,710* | ₹33,80,710* | ₹82,339* |
65 Lakh Home Loan EMI for 15 Years Tata Capital
Tata Capital provides various repayment options, and if you opt for 15 years, here is the EMI breakdown for a 65 Lakh housing loan:
Loan Amount (₹) | Interest Rate (p.a.) | Tenure Of Loan | Total Amount Payable | Total Interest Payable | Monthly EMI |
65,00,000 | 9% | 15 years | ₹1,18,66,919* | ₹53,66,919* | ₹65,927* |
65 Lakh Home Loan EMI for 20 Years Tata Capital
For borrowers who prefer longer repayment terms, here’s the EMI you would pay for a 65 Lakh home loan from Tata Capital over 20 years:
Loan Amount (₹) | Interest Rate (p.a.) | Tenure Of Loan | Total Amount Payable | Total Interest Payable | Monthly EMI |
65,00,000 | 9% | 20 years | ₹1,40,35,725* | ₹75,35,725* | ₹58,482* |
65 Lakh Home Loan EMI for 25 Years Tata Capital
Calculate the monthly instalment for a 65 Lakh home loan from Tata Capital with an interest rate beginning at 9%–
Loan Amount (₹) | Interest Rate (p.a.) | Tenure Of Loan | Total Amount Payable | Total Interest Payable | Monthly EMI |
65,00,000 | 9% | 25 years | ₹1,63,64,329* | ₹98,64,329* | ₹54,548* |
65 Lakh Home Loan EMI for 30 Years Tata Capital
Tata Capital offers a high level of flexibility, encouraging repayment over up to 30 years. The following shows the equated monthly instalment for a home loan of 65 lakhs with a 30-year duration:
Loan Amount (₹) | Interest Rate (p.a.) | Tenure Of Loan | Total Amount Payable | Total Interest Payable | Monthly EMI |
65,00,000 | 9% | 30 years | ₹1,88,28,169* | ₹1,23,28,169* | ₹52,300* |
Get accurate EMI details and use Urban Money’s EMI calculator to map out the perfect payment plan for your home loan.
65 Lakh Tata Capital Home Loan – Fee and Charges
Tata Capital home loan charges of 65 Lakh EMI amounts are planned to favour the customer. They are transparent and competitive, ensuring no hidden pitfalls for future findings. The charges make your home loan experience smoother and more affordable.
- ROI: Upto 15.85%
- Processing Fee: 0.5% to 2% of the loan amount
- Prepayment/Foreclosure Charges: Nil for loans with floating interest rates
- Late Payment Charges: 2% on the overdue amount
- CIBIL Score: 750+
- Delayed EMI Payments: 2.36% PM (Inclusive of GST) on the defaulted amount
65 Lakh Tata Capital Home Loan – Documents Required
To apply for a 65 lakh home loan from Tata Capital, customers must supply appropriate papers confirming their location’s nature. Here is a list of the required documents to be submitted–
Salaried Applicants
Proof of Age | Identity Document | Residential Address Proof |
Salary Slips | Details of Current Loans | A cheque for Processing Fees |
Self-employed Applicants
Proof of Age | Identity Document | Residential Address Proof |
Business Ownership Proof | Proof of Income (ITR, bank statements) | Details of Current Loans |
65 Lakh Tata Capital Home Loan – Eligibility Criteria
The eligibility criteria for a 65 Lakh home loan from Tata Capital are specific and easy, making sure it is accessible for a number of applicants in need.
Eligibility Criteria | Details |
Age | Younger borrowers find longer tenures advantageous, whereas older borrowers might choose shorter tenures to match their retirement plans. |
Employment Type | Salaried or Self-employed |
Minimum Income | Changes based on location and tenure |
Credit Score | 650 – 750 suggested for profitable interest rates |
Frequently Asked Questions (FAQs)
What is the EMI for a 65 Lakh Home Loan for 20 years in Tata Capital?
The monthly instalment (EMI) for a 65 Lakh home loan for 20 years with Tata Capital varies based on the interest rate. If the interest rate is 9% annually, the EMI would amount to around ₹58,770 monthly.
Who is eligible for a 65 Lakh Home loan in Tata Capital?
People between 18 and 60 who are employed or self-employed must have a minimum monthly income of ₹30,000 and a credit score 650+ to qualify for a 65 Lakh home loan from Tata Capital.
What is the monthly interest rate of a 65 Lakh home loan in Tata Capital?
The monthly interest rate for a 65 Lakh home loan from Tata Capital is usually around 0.72%.
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