Tata Capital HFL Home Loan for Self Employed

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Tata Capital Housing Finance understands the unique challenges self-employed individuals face in securing home loans. Tata Capital Housing Finance home loan eligibility for self-employed is designed to be flexible and accessible, catering to the entrepreneurial spirit that drives this sector. Recognising that self-employed individuals may not have a regular income flow like salaried employees, Tata Capital Housing Finance home loan for self-employed features competitive interest rates and adaptable repayment options. To apply, Tata Capital Housing Finance home loan documents for self-employed include specific requirements that ensure a smooth process. This initiative empowers self-employed individuals to own their dream homes and supports their financial stability, reinforcing Tata Capital’s commitment to inclusive financial growth.

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Table of Content

1. Tata Capital Housing Finance Home Loan for Self-Employed Highlights

2. Tata Capital Housing Finance Home Loan for Self-Employed Fees and Charges

3. Tata Capital Housing Finance Home Loan for Self-Employed Documents Required

4. Tata Capital Housing Finance Home Loan for Self-Employed Eligibility Criteria

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything 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 Housing Finance Home Loan for Self-Employed – Highlights

Here are some of the salient features of the Tata Capital Housing Finance home loan for Self-Employed:

Particulars	Details
Loan Amount	₹ 5 lakhs to ₹ 5 crores
Loan Duration	Up to 30 years
Interest Rate	Starting from 8.85% annually
Eligibility Criteria	Minimum 3 years in the same business
Co-applicant Tax Benefit	Up to Rs. 2 lakh under section 24, up to Rs. 1.5 lakh under section 80C

Tata Capital Housing Finance Home Loan for Self-Employed – Fees and Charges

Following are the fees and charges of the Tata Capital Housing Finance Home Loan for Self-employed:

Particulars	Details
Processing Fees	Begins at 0.20% of the loan amount, plus applicable GST
Foreclosure Charges	No fees for prepayments from personal funds. Minor fees apply when prepaying with external funds
Delayed EMI Payments	An additional 2% above the standard housing loan interest rate during the period of delay

Tata Capital Housing Finance Home Loan for Self-Employed – Documents Required

Following are the Documents required for the Tata Capital Housing Finance Home Loan for Self-Employed:

Age Proof: Provide any of these: Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate.
Photo Identity Proof: Provide any of these: Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card.
Address Proof
Business Proof: Provide copies of the last two years’ Income Tax Returns, your Business Profile on a letterhead, or your Business Registration Certificate.
Income Proof: Provide copies of the last two years’ Profit & Loss Statements, current account statements for the last twelve months, and, if applicable, bank statements for the last twelve months showing credit facilities.
Existing Loan Details: Provide details through Bank statements or Loan statements.
Processing Fee Cheque: Issue this from your business account.

Tata Capital Housing Finance Home Loan for Self-Employed – Eligibility Criteria

Open to applicants aged 21 to 65
A good credit score is essential, reflecting responsible financial behaviour.
A minimum of three years in the same business is required.

Frequently Asked Questions (FAQs)

What is the repayment term for Tata Capital Housing Finance home loan for self-employed?

The repayment term for a Tata Capital Housing Finance home loan for self-employed individuals can extend up to 30 years.

What is the minimum age for a Tata Capital Housing Finance home loan to a non-salaried person?

The minimum age requirement for a non-salaried person to avail of a Tata Capital Housing Finance home loan is 24 years.

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