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Tata Capital Home Finance Home Loan Interest Rates 2021

Tata Capital Home Finance Housing Loan Interest Rate -Today

Last Updated 29th Apr 2021

Loan AmountTata Capital Home Loan Rate
Upto ₹ 30 Lakh6.90%
₹ 30 Lakh - ₹ 50 Lakh6.90%
₹ 50 Lakh - ₹ 75 Lakh6.90%
Above ₹ 75 Lakh6.90%
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Tata Capital Home Finance Home Loan Rate

Tata Capital Home Finance offers home loans to both salaried individuals and self-employed at a minimum rate starting at 6.90% up to 6.90%. Apart from the interest rate, the bank also has various other charges such as Tata Capital Home Finance processing fee - that is charged over and above the loan amount, is non-refundable and has to be paid at the time of loan application and foreclosure and prepayment fee for closing or prepaying the loan before the loan tenure ends.

Tata Capital Home Finance Home Loan Processing Fee and Other Charges

Tata Capital Home Finance home loan processing charges are upto 0.20% of the loan amount from its home loan customers to cover its expenses of conducting credit appraisal and technical evaluation of property. Tata Capital Home Finance charges a minimum processing of ₹ 500 on home loan which is typically non-refundable and has to be paid at the time of loan application. In addition to processing fees, the bank also charges certain technical and legal charges which are explained to the customer during the loan process and are payable once the loan application proceeds further.

Processing Fees Upto 0.20% of the loan amount; minimum processing fee of ₹ 500
Part Prepayment Charges Allowed
Foreclosure Charges Nil for floating rate home loans

Interest rates on Tata Capital Home Finance Home Loans Schemes

Tata Capital Home Finance offers a housing loan interest rate at 6.90%. If you want to avail of the home loan at the lowest rates, you should have a good CIBIL score, debt-income ratio and repayment capacity. In addition, Tata Capital Home Finance home loan interest rates are lower for existing customers of the bank and individuals who are working with reputed corporations with a stable employment history.

Below-mentioned are Tata Capital Home Finance home loan rates for multiple housing schemes.

Tata Capital Home Finance Home Loan Scheme Interest Rates
Tata Capital Home Loan6.90%

Tata Capital Home Finance Home Loan Interest Rate for Salaried and Self-Employed

The home loan interest rates in Tata Capital Home Finance for salaried and self-employed is mentioned in the table below:

Home Loan Interest Rate for Salaried

Loan Amount Rate
Upto ₹ 30 Lakh 6.90%
₹ 30 Lakh - ₹ 50 Lakh 6.90%
₹ 50 Lakh - 75 Lakh 6.90%
Above ₹ 75 Lakh 6.90%

Home Loan Interest Rate for Self-Employed

Loan Amount Rate
Upto ₹ 30 Lakh 6.90%
₹ 30 Lakh - ₹ 50 Lakh 6.90%
₹ 50 Lakh - 75 Lakh 6.90%
Above ₹ 75 Lakh 6.90%

Tata Capital Home Finance Bank Home Loan Interest Rate For Women & Govt Employee

Loan Amount Tata Capital Home Finance Home Loan Rate For Women Tata Capital Home Finance Home Loan Rate For Govt Employee
Upto ₹ 30 Lakh 6.90% 6.90%
₹ 30 Lakh - ₹ 50 Lakh 6.90% 6.90%
₹ 50 Lakh - 75 Lakh 6.90% 6.90%
Above ₹ 75 Lakh 6.90% 6.90%

Tata Capital Home Finance Home Loan Balance Transfer Interest Rates

Tata Capital Home Finance home loan balance transfer facility is ideal for existing home loan customers, who are paying high interest to their existing lender. Through this facility, you can transfer your existing home loan to Tata Capital Home Finance at a lower rate of interest, without closing the account. However, you do need to check the foreclosure charges that you have to pay to your existing lender if it is a fixed rate loan. Currently, Tata Capital Home Finance offers the loan balance transfer rate of 6.50%.

Illustration on Home Loan Interest Rate Tata Capital Home Finance
Maximum Annual Percentage Rate (APR) 6.91% to 6.91%
Representative example of the total cost of the loan, including all applicable fees
Here is an illustration of the total cost of the loan:
  • Total amount borrowed: ₹ 1,00,000
  • Time period: 5 Years to 30 Years
  • Tata Capital Home Finance Home Loan Interest Rate: 6.90% to 6.90%
  • Processing Fee payable to: Upto ₹ 200
  • Fee payable to MyLoanCare: NIL
  • Total Monthly Cost – From ₹ 659 for 30 Years ₹ 1,00,000 loan at 6.90% (lowest rate, longest time period) to ₹ 1,975 for 5 Years ₹ 1,00,000 loan at 6.90% (highest rate, shortest time period). This is inclusive of principal repayment.
  • Annual Percentage Rate (APR) of charge including all applicable fees: 6.91% to 6.91%
  • Total cost payable over loan tenure: ₹ 1,18,725 for 5 Years loan to ₹ 2,37,296 for 30 Years loan

FAQs

Has Tata Capital Home Finance reduced home loan rates?

Presently, Tata Capital Home Finance offers personal loans at an interest rate starting at 6.90%. There has been no change in personal loan rates of Tata Capital Home Finance for a long time and continue to stand at 6.90%.

Why should I opt for balance transfer to Tata Capital Home Finance?

Tata Capital Home Finance offers lowest Home Loan EMI of ₹ 659 per lakh availed at the lowest interest rate 6.90% for a maximum tenure of 30 years. If you are paying an EMI more than ₹ 659 per lakh, you should consider the option for a loan transfer to Tata Capital Home Finance from your existing bank. Current Tata Capital Home Finance balance transfer rate is 6.50%.

Can Tata Capital Home Finance housing loan interest rate be negotiated?

Yes, if you have a good relationship with the bank and a high credit score, you can negotiate with Tata Capital Home Finance to lower the home loan rates. Apart from the home loan rates, you can also negotiate over the processing fee.

Can Tata Capital Home Finance revise the home loan interest rates for their existing customers?

Yes, Tata Capital Home Finance offers concessional rates to the existing customers, and you can negotiate with the bank to offer you the revised home loans at a floating rate of interest. The floating interest rates on home loans vary as per the change in market trends or in external benchmark rates such as the repo rate.

Does Tata Capital Home Finance offer a concessional home loan interest rate for women?

Yes, Tata Capital Home Finance offers special home loan interest rates for women. As against Tata Capital Home Finance home loan rates for male which is 6.90%, the home loan interest rate for women starts at %.

What is the Tata Capital Home Finance home loan rate of ₹ 25 Lakh for 15 years?

For home loan upto ₹ 25 Lakh, Tata Capital Home Finance provides home loan interest rate starting at 6.90%. However, you can get the lowest rates if you have a good relationship with the bank, work with top corporations, have a good CIBIL score and have stable income sources.

At what interest rate does an Tata Capital Home Finance employee get a home loan?

Tata Capital Home Finance offers concessional home loan rates of about 1% than the current home loan rates to Tata Capital Home Finance employees.

Is Tata Capital Home Finance home loan a floating rate loan or fixed-rate loan?

Tata Capital Home Finance home loan is offered at both fixed and floating rates. In the case of the fixed-rate, the interest remains the same throughout the tenure. On the other hand, the home loan rates vary as per the market fluctuations for floating home loan rates.

What is the Tata Capital Home Finance home loan rate today ?

Tata Capital Home Finance home loan rate today is in the range of 6.90% to 6.90%.The bank also charges a processing fee of upto Upto 0.20%, Minimum ₹ 500 of the home loan amount.

How much interest does Tata Capital Home Finance take on home loans?

The rate of interest on Tata Capital Home Finance home loans varies based on your eligibility, such as CIBIL score, age, repayment capacity, income etc. However, Tata Capital Home Finance home loan current interest rate 2021 are in the range of 6.90% to 6.90%.


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Tata Capital Home Finance Home Loan News - Dec 2021
  • 2021-04-01 : Tata Capital Home Finance revised its home loan rates to 6.90%
    Tata Capital Home Finance revised its home loan rates. The revised home loan rate starts at 6.90%.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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