Tata Capital Loan Against Property - Frequently Asked Questions

What is a loan against property?
Loan against property is a loan extended on a pre-owned property (Residential, commercial and alternate property) for a legitimate end use that is disclosed upfront. It is a loan against secured/free-of-charge market value of a property.

What is the minimum and the maximum loan amount I can avail?
You can avail loans ranging from Rs.5 lakhs to Rs.5 crores depending on your collateral property value, income eligibility and repayment capacity.

What are the loan tenure options available?
The loan can be repaid over a period of 12 to 180 months.

Are there any additional charges?
Lucrative Processing Fee options are available for key corporates. The fees are collected in the following manner:
Login Processing Fee: A non-refundable Processing Fee of Rs.3000 + ST for loan amount up to Rs.3.00 Cr and Rs. 5000 + ST for loan amount greater than Rs. 3.00 Cr is payable upfront with the application form. Further, processing fees as per grid will be payable post sanction and prior to disbursement of the loan

Processing Fee: 1% - 1.25% of the Loan amount is collected from the customer depending on property type
Legal & Technical charges: Rs. 5,000 inclusive of ST for loan amount up to 1 CR and Rs. 10,000 inclusive of ST for loan amount Greater than 1 CR, payable post sanction and prior to disbursement of the loan

How do I repay the loan?
You may repay through ECS (Electronic Clearance System) by instructing your banker to deduct the EMI (Equated Monthly Instalment) from the nominated bank account or you may repay the loan through post-dated cheques favouring Tata Capital Financial Services Limited ("TCFSL").

How will Tata Capital decide my loan eligibility?
We assess the applicants' repayment capacity and the proposed collateral property value while deciding on the loan eligibility. Repayment capacity is based on factors such as applicant and co-applicant's income, age, number of dependents, financials, banking habits, loan repayment history and business/employment stability.

Can I prepay my loan?
Yes, you can prepay your outstanding loan amount in parts or in full. Prepayment charges as applicable would be levied on the outstanding loan amount.

What types of properties can be considered as collaterals?
Self-occupied residential property, commercial property (offices, shops etc.) and alternate property (Residential Plots, Schools, hospitals, Industrial Property, hotels) can be considered as collaterals

Can I take a loan against property, if I jointly own the property with my relatives?
Yes, you can. However, all the co-owners of the property will also have to become co-applicants of the loan.

Tata Capital Loan Against Property in Delhi NCR through LoanMoney

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In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.

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