15/02/2026
*Greetings from Tata Capital Housing Finance Ltd*
*Key Features:*
1. Both HL and LAP for all type of needs - Home Purchase both under construction and ready property, Resale, plot +Construction, BT and BT plus Top Up
2. Loan Amount: 5 lakhs to 750 lakhs under NIP, Banking, GRP and GST, upto 300 lakhs under Low LTV( 50% LTV for both HL and HE), ITR is not required upto 100 lakhs under low LtV, Mortgage takeover program - 300 lakhs, LIP- 250 lakhs, Rental Income Program - 75 lakhs.
3. Loan tenure - up to 30 years for HL including P+C transactions subject to not more than 65 years of age (for Home Loans)
4. Customer profile - Salaried, SEP, SENP and NRI Salaried
5. Maximum eligibility for both salaries and SEP & SENP
6. For resale building purchase we can extend the funding upto 150% of registered value subject market value within NHB norms
7.For resale land purchase we can do funding under HL and HE combinations
8. For PnC cases we can extend the funding upto 90% of Cost of property
9. Pension Income/ Variable income like incentive, Bonus, Overtime, Cash and bank credit rentals can be considered for income eligibility
10.For HE we can consider the collateral like Hostel, Restaurant cm Bar, Warehouse upto 40K Sqft, Mini Hall, industrial plot and building, Hospital with max 25 beds, SORP, SOCP etc.
11. NRP purchase is allowed
12. Self construction for commercial building is allowed
13. Small Developer Funding ( Project loan to small builders) - Upto 15 Cr for both purchase of land and for construction is allowed, stand alone construction is also allowed-
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