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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

Current Tata Capital Home Finance Home Loan interest rates Jun 2021 starts at 6.90% p.a. for a maximum tenure of 30 years. The processing fee on its housing loans is Upto 0.20%, Minimum ₹ 999 .

Loan AmountTata Capital Home Loan Rate
Upto ₹ 30 Lakh6.90%
₹ 30 Lakh - ₹ 50 Lakh6.90%
₹ 50 Lakh - ₹ 75 Lakh6.90%
Above ₹ 75 Lakh6.90%
Apply for Home Loan @ 6.65%* Get upto ₹ 1,000* Cashback

Current Tata Capital Home Finance Home Loan Rate

Today Tata Capital Home Finance home loan interest rates are in the range of 6.90% to 6.90%, with special discounted rates for specific categories of borrowers such as women borrowers for whom the bank offers the lowest interest rate of 6.90%.

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 Rates for Salaried and Self Employed

The home loan interest rates in Tata Capital Home Finance for salaried & non-salaried employee is mentioned in the table below:

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%
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

What is Tata Capital Home Finance Home Loan Interest Rate?

Tata Capital Home Finance Home Loan interest rate ranges between 6.90% to 6.90%. The salaried borrowers with high credit score and income are eligible to get lower interest rates.

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. 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.

  • Floating rate on Tata Capital Home Finance housing loan is linked to its PLR Rate, which is currently at 17.45%. When Bank offers a Home Loan at %, it applies a discount of 17.45% to its PLR Rate to arrive at this Home Loan rate.
  • When RBI increases rates, the bank may increase its PLR rate and the applicable interest rate for all existing and new Home Loans would increase. When RBI cuts interest rates and the bank reduces the PLR rate, the benefit of lower rates will have to be passed to both old borrowers and new house loan accounts.

What is the current Tata Capital Home Finance Home Loan rate?

The current Tata Capital Home Finance Home Loan rate starts from 6.90% with a processing fee of Upto 0.20%, Minimum ₹ 999.Tata Capital Home Finance housing loan rate varies across the applicant’s eligibility and the scheme they opt for. Tata Capital Home Finance offers different home loan rates for different home loan products.

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.

What are the interest rates of home improvement loans in Tata Capital Home Finance?

You can avail of Tata Capital Home Finance home loans for home improvement at regular home loan rates starting at 6.65%.

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

Tata Capital Home Finance home loan rates change for the existing customers if they have availed 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?

Tata Capital Home Finance home loan varies as per the loan amount. For home loan upto ₹ 25 Lakh, Tata Capital Home Finance provides home loan interest rate starting at 6.65%.

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 rate. In the case of the fixed rate, the interest remains the same whereas in the case of the floating rate the home loan rates keep varying according to the market.


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Tata Capital Home Finance Home Loan News - Jun 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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