80 Lakh Tata Capital Home Loan

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A Tata Capital 80 lakh home loan can be the key to your dream house. Available at affordable interest rates for up to 30 years, it can comfortably bridge any financial gaps in your next purchase. This multi-purpose secured loan can be used to buy, construct or renovate a property. The Tata Capital home loan interest rate for 80 lakh starts at 8.75% per annum. Loan borrowers at Tata Capital enjoy benefits like minimal documentation and easy application. At Urban Money, we offer everything you need to know about Tata Capital's 80 lakh home loan. Read ahead to find eligibility criteria, EMIs, document requirements and more.

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Table of Content

1. 80 Lakh Home Loan Tata Capital Highlights

2. 80 Lakh Home Loan EMI for 5 Years Tata Capital

3. 80 Lakh Home Loan EMI for 10 Years Tata Capital

4. 80 Lakh Home Loan EMI for 15 Years Tata Capital

5. 80 Lakh Home Loan EMI for 20 Years Tata Capital

6. 80 Lakh Home Loan EMI for 25 Years Tata Capital

7. 80 Lakh Home Loan EMI for 30 Years Tata Capital

8. 80 Lakh Tata Capital Home Loan Fees and Charges

9. 80 Lakh Tata Capital Home Loan Documents Required

10. 80 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.

80 Lakh Home Loan Tata Capital – Highlights

Here are the key highlights of Tata Capital’s 80 Lakh home loan:

Interest Rates	8.75% p.a. 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

80 Lakh Home Loan EMI for 5 Years Tata Capital

80 Lakh home loan EMI at Tata Capital for a period of 5 years amounts to:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹80 Lakh	8.75% p.a.	5 years	₹1,65,098	₹19,05,872	₹99,05,872

80 Lakh Home Loan EMI for 10 Years Tata Capital

80 Lakh home loan EMI for 10 years at Tata Capital is detailed below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹80 Lakh	8.75% p.a.	10 years	₹1,00,261	₹40,31,368	₹1,20,31,368

80 Lakh Home Loan EMI for 15 Years Tata Capital

EMI for 80 Lakh home loan at Tata Capital for 15 years will be as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹80 Lakh	8.75% p.a.	15 years	₹79,956	₹63,92,061	₹1,43,92,061

80 Lakh Home Loan EMI for 20 Years Tata Capital

80 Lakh home loan EMI for 20 years at Tata Capital is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹80 Lakh	8.75% p.a.	20 years	₹70,697	₹89,67,246	₹1,69,67,246

80 Lakh Home Loan EMI for 25 Years Tata Capital

Tata Capital home loan of 80 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
₹80 Lakh	8.75% p.a.	25 years	₹65,771	₹1,17,31,447	₹1,97,31,447

80 Lakh Home Loan EMI for 30 Years Tata Capital

Tata Capital home loan of 80 lakh EMI for a tenure of 30 years is detailed below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹80 Lakh	8.75% p.a.	30 years	₹62,936	₹1,46,56,972	₹2,26,56,972

80 Lakh Tata Capital Home Loan – Fees and Charges

A Tata Capital 80 lakh home loan is subject to the following fees and charges:

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 plus GST	Starting at 0.20% of the loan amount plus GST
Foreclosure Charges	Nil/ Nominal Charges	Nil/ Nominal Charges
Delayed EMI Payments	2% over and above the existing interest rate for the period of delay	2% over and above the existing interest rate for the period of delay

80 Lakh Tata Capital Home Loan – Documents Required

The following documents must be submitted while applying for Tata Capital 80 lakh home loan:

Duly signed application form with passport-size photograph
Proof of Identity (Aadhar Card, Driver’s License, or Passport)
Proof of Address (Rental Agreement, Utility Bills, or Voter ID)
Proof of Income (Form 16, Tax Returns, or Salary Slip)
Property Documentation (Property Agreement, Construction Agreement, or Sale Deed)
Existing Loan Information
Processing Fee Payment Cheque
Business Proof (for self-employed individuals)

80 Lakh Tata Capital Home Loan – Eligibility Criteria

80 lakh home loan eligibility at Tata Capital is as follows:

Age: Applicants between 21 to 65 years of age can apply for the loan.
Employment: Salaried/ self-employed/ entrepreneurs can apply for the loan.
Income: Salaried applicants must have a minimum income of ₹30,000 with at least 2 years of work experience. Self-employed applicants must be associated with the same business for at least 3 years.
Credit Score: Applicants must showcase good credit ratings to be eligible for Tata Capital 80 lakh home loan.

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