Tata Capital HFL Home Loan for Salaried Person

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Tata Capital Home Loan for a salaried person is a great way to own a home. Whether you want to buy your first home, build a new home, or invest in property, Tata Capital ensures a hassle-free experience with minimal documentation and quick disbursal. They further offer a more comprehensive range of loan products. These may include balance transfer options and top-up loans, which cater to various requirements, making homeownership accessible and affordable to everyone. Moreover, they provide expert advice and personalised service. This ensures that your home-buying journey is smooth and stress-free.

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Table of Content

1. Tata Capital Home Loan for Salaried Person Highlights

2. Tata Capital Home Loan for Salaried Person Fees and Charges

3. Tata Capital Home Loan for Salaried Person Documents Required

4. Tata Capital Home Loan for Salaried Person Eligibility Criteria

Written By

Kirti Bansal

Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of finance.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

Tata Capital Home Loan for Salaried Person – Highlights

Let’s examine the key parameters of a Tata Capital home loan for bank employees:

Interest rate	8.75% p.a. onwards
Loan Amount	₹5 lakhs to ₹5 crores
Loan Tenure	Up to 30 years
Eligibility	Must have a monthly salary of at least 30,000

Tata Capital Home Loan for Salaried Person – Fees and Charges

Below are the applicable fees and charges of the Tata Capital home loan for salaried employees:

Fee/Charge	Amount
Processing fee	Starting at 0.10% of the loan amount
Prepayment charges	Nil
Late payment charges	2% of the overdue amount
Legal Charges	At actuals
Stamp-duty	As per the state law

Tata Capital Home Loan for Salaried Person – Documents Required

The Tata Capital home loan documents for salaried persons are as follows:

Proof of Age	Passport, driving license, life insurance policy, birth certificate, PAN Card, or school leaving certificate.
Proof of Identity	Aadhaar card, election ID card, passport, driving license, or PAN Card.
Proof of Address	Utility bills, bank statements, property registration documents, property tax receipts, or election ID cards.
Proof of Income	Past 3-month salary slips, 1-year bank account statement, Form 16, appointment letter, etc.
Additional Documents	Existing loan details and processing fee cheque.

Tata Capital Home Loan for Salaried Person – Eligibility Criteria

The Tata Capital home loan eligibility for salaried persons are as follows:

Age Limit	18 – 60 years old
Employment Type	Salaried individuals who receive a regular monthly salary
Income Requirement	₹30,000 per month or higher
Work Experience	Minimum of 2 year
Credit Score	Preferably 700 or above
Residential Status	Either residents of India or Non-Resident Indians (NRIs)

Frequently Asked Questions (FAQs)

What is the repayment term for a Tata Capital home loan for a salaried person?

The repayment term for a Tata Capital home loan for a salaried person can extend up to 30 years.

What is the minimum age for a Tata Capital home loan to a salaried person?

The minimum age of a salaried person for a Tata Capital home loan is 18 years.

What is the minimum and maximum Tata Capital home loan amount for a salaried person?

The Tata Capital home loan amount for a salaried person ranges from ₹5 lakhs to ₹5 crores.

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