Tata Capital Housing Finance Plot Loans

Tata Capital Housing Finance is a subsidiary of trusted Tata Sons, which serves customers with its financial services and loan products, including Tata Capital Housing Finance plot loans. A Tata Capital Housing Finance plot loan enables individuals to purchase a plot of land to construct a house in the future. These loans are designed to provide financial assistance for land acquisition with flexible repayment options and competitive interest rates.

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Table of Content

1. Tata Capital Housing Finance Plot Loans Highlights

2. Tata Capital Housing Finance Plot Loan Interest Rates

3. Tata Capital Housing Finance Plot Loan Fees and Charges

4. Tata Capital Housing Finance Plot Loan Eligibility Criteria for Salaried

5. Tata Capital Housing Finance Plot Loan Eligibility Criteria for Self-Employed

6. Tata Capital Housing Finance Plot Loan Documents Required for Salaried

7. Tata Capital Housing Finance Plot Loan Documents Required for Self-Employed

8. Features of Tata Capital Housing Finance Plot Loans

9. Things to Remember while Applying for a Tata Capital Housing Finance Plot Loan

Written By

Amrita Sinha

Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal 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 Plot Loans – Highlights

Here are the highlights of the Tata Capital Housing Finance Plot Loan:

Feature	Details
Maximum Loan Amount	Up to ₹ 5 crores
Interest Rate	8.75% per annum
Maximum Tenure of Repayment	Up to 30 years
Processing Fees	Up to 2% of the loan amount

Tata Capital Housing Finance Plot Loan Interest Rates

Tata Capital Housing Finance plot loans come with attractive interest rates that cater to different customer profiles. The rates can vary based on the loan amount, tenure, and borrower’s credit profile.

Interest Rate

8.75%* p.a. Onwards

Tata Capital Housing Finance Plot Loan Fees and Charges

Understanding the fees and charges associated with Tata Capital Housing Finance plot loans is crucial for borrowers.

Fee Type	Amount
Processing Fees	Up to 2% of the loan amount
Foreclosure Charges	Nil
Delayed EMI Payments	2.36% PM on the defaulted amount

Tata Capital Housing Finance Plot Loan Eligibility Criteria for Salaried

For salaried individuals, eligibility for a Tata Capital Housing Finance plot loan includes:

Minimum age: 24 years.
Maximum age: 60 years at loan maturity.
Minimum work experience: 2 years in the current job.
Minimum monthly income: ₹30000.

Tata Capital Housing Finance Plot Loan Eligibility Criteria for Self-Employed

Self-employed individuals must meet the following criteria to be eligible for a Tata Capital Housing Finance plot loan:

Minimum age: 24 years.
Maximum age: 65 years at loan maturity.
Minimum business continuity: 3 years.

Tata Capital Housing Finance Plot Loan Documents Required for Salaried

For salaried applicants, the required documents for a Tata Capital Housing Finance plot loan include:

Identity proof (Aadhaar, PAN).
Address proof (Utility bills, Passport).
Income proof (Salary slips, Bank statements).
Employment proof (Appointment letter, Employment certificate).
Property documents (Sale agreement, Land ownership).

Tata Capital Housing Finance Plot Loan Documents Required for Self-Employed

Self-employed applicants need to provide the following documents for a Tata Capital Housing Finance plot loan:

Identity proof
Address proof
Income proof (ITR, Bank statements).
Business proof (Registration certificate, Business license).
Property documents (Sale agreement, Land ownership).

Features of Tata Capital Housing Finance Plot Loans

Tata Capital Housing Finance plot loans offer several key features:

High loan amount up to ₹5 crores.
Flexible repayment tenure of up to 30 years.
Competitive interest rates.
Minimal documentation.
Quick processing and approval.
No pre-payment charges.

Things to Remember while Applying for a Tata Capital Housing Finance Plot Loan

When considering a Tata Capital Housing Finance plot loan, keep in mind:

Assess your financial stability and repayment capacity.
Compare Tata Capital Housing Finance plot loan interest rates with other lenders.
Understand the terms and conditions thoroughly.
Ensure all documents required for plot loan Tata Capital Housing Finance are ready.
Be aware of Tata Capital Housing Finance plot loan processing fees and other charges.