It’s always a difficult task to choose the right thing when you have an overabundance of options at your disposal. In the case of home loans, individuals find the same confusion in choosing a home loan which fulfills their needs in the way they want. The most important thing any individual looks for in a home loan is the rate of interest offered on it. Among all the home loan lenders available in the current market scenario, the TATA Capital Home Loan interest rate is the most attractive and on the lower side when compared with other rates of interest offered.
Having more than 200+ branches in the more than 140+ cities in India, TATA capital home loan not only provides you a home loan for property buying, but also plot purchases, home extension, home renovation, and many more things. It has a broad range of home loan offers. Serving more than 15+ lakhs customers, TATA capital home loan has made trust among the people with the TATA name attached to it and because of its impeccable services. TATA capital home loan interest rate starts from 9.25% per annum and with a tenure of up to 30 years. With this article, you can know more about it. You have to just keep reading! Features of the TATA Capital Home Loan TATA capital home loan is one of the best home loan schemes available in the market because of its easy repayment structure, smooth application and approval process, handsome rate of interest, and many more. Let’s have a look at some of the awesome features of it.
How to use TATA Capital PMAY Home Loan Calculator? With this calculator, an individual can easily check the subsidy amount that can be availed by the individual or the family on the home loan by just filling out the basic details annual family income, total loan amount and tenure period. After putting all the details into the calculator, you’ll get the subsidy amount. It also depends on the subsidy category form which the individual belongs to. How to apply for the TATA Capital Home Loan? An individual can apply for a home loan by just filling the basic details on the online application form available on the TATA capital home loan website. After the submission of the application, the bank will assess the application on various parameters and if passed, will approve the application. The process of applying for a home loan was never this easy.
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Home Loans are tedious loans. To service home loans, one needs to master the art of planning and management. When you’ve the burden of a home loan on your shoulder, you can’t afford to have the regular luxury life. The reason being, the Equated Monthly Installments (EMIs) compromises of a major chunk of your salary. You should know how important it is to strike a balance between savings and expenditure. You should get your priorities right and spend on those things only. Rest everything should be dedicated to pay your loan. The sooner you get rid of the burden, the better it is for you. Thus, you should know what you are getting into before hand itself. The Home Loan EMI calculator helps you do that. Let’s explore some of the benefits of the home loan EMI calculator:
1. Helps you take Informed Decisions: The EMI calculator helps you get a vivid understanding about the home loan you are going to take. It tells you about how much outflow of cash will happen from your net monthly income so that you can manage your lifestyle accordingly. Generally, EMIs subsumes 40-50% of your monthly income and leaving you with only 50% to live your life. So, the home loan EMI calculator is good in terms of planning and management. 2. Transparency: The EMI calculator draws a clear bifurcation of interest rates, monthly installments, tenure and principal amount left to pay. You will know how much interest rate you’ll be paying exactly. This is help you gain transparency and clarity. 3. Very Easy to Handle: It doesn’t involve any rocket science. It is very simple to especially designed for the usage of common man. You just have to deal with a couple of variables and you’re all set. 4. Choice of Right Tenure: Home loans are generally deals in high amount which is difficult to be paid during a short period of time. So, it is important to choose the right tenure which is not too soon also, not too long. If the loans are taken for a long tenure, then the interest you pay is humongous. With the help of home loan EMI calculator, you’ll know the right tenure to pick for repayment. 5. Loan offer comparison: Using the EMI calculator puts you in a spot where you’ve better clarity as you become aware of certain things. Now you know loan offers made by different banks. This information can be leveraged to compare loan offers basis which decisions can be made. Some of you may be wondering where and how to use this calculator. It’s extremely easy to use it, as stated above. Almost all banks are providing this service for free on their websites. Or, you can use it on the website of financial technology companies. They give you the privilege let you comparing different loans so that you don’t have to navigate to different bank websites in search of their offers. This is how you can use the home loan EMI calculator:
IndusInd Bank is a leading private sector bank giving you a wide range of credit cards to choose from. These cards are quite different from what we see normally. Its cards have 22 Karat gold inlay, give you infinite spending liberty, provide escort service, complimentary lounge access and several other value-added services. Besides, IndusInd Bank Credit Card also earns you the conventional rewards, discounts, etc. The reputed bank offers credit cards under Super Premium and Premium categories. In this edition, we will focus on Super Premium cards. The next edition will see elaboration on Premium cards.
List of Super Premium Credit Cards
Indulge Credit Card The card comes with a 22K gold inlay, a reflective surface and EMV Chip and PIN Card to provide an extra layer of security. You get additional spending flexibility over and above the base revolving credit limit. Relive the art in you by visiting art fairs, biennales as well as museum shows around the world. Movie lovers have a lot to cheer about this card. If you book one ticket at BookMyShow, you get another one absolutely free. You can get up to 3 free movie discounts a month. Make the most of exclusive access to some premium VISA airport lounges in India. You can get four complimentary visits a quarter to airport lounges. For any concierge assistance, you can dial 1860267777. Crest Credit Card The card comes with a slew of attractive packages be it the travel, dining, entertainment or even golf for that matter. Talking of the travel privileges, the card offers lounge access at both domestic and international airports. You can even be the beneficiary of meet and greet services of the card. There’s a discount of 15% on such services. You can get attractive discounts on dining at select outlets. The discount applies to all types of dining - buffet, lunch, dinner and even the purchase you make in a gourmet shop in a participating ITC hotel. The discount can reach a maximum of 50%. Sharpen your golf skills by attending three complimentary lessons of the game in a month. You can implement the lessons in real time by participating 3 complimentary golf games a month. The attractive 20% discount on booking events and movies at BookMyShow would make you go gaga over the card. You can get one ticket absolutely free on booking one at BookMyShow. As many as 3 free movie tickets can be handed to you in a month. Pinnacle Credit Card The Jet Airways Promotion code would help you get a full discount on the base fare as well as airline fuel charges. You also get Oberoi gift vouchers that can help get a memorable stay. Shop at international brands with Genesis luxury vouchers. You can make a style statement by redeeming Charles & Keith, Louis Phillipe, Hush Puppies, Urban Ladder vouchers. IndusInd Bank Credit Card Apply You can apply for IndusInd Bank Credit Card online or at the bank branch. If you want to apply online, you must visit the official website of the bank and submit your application by giving personal and professional details. Post the submission, the bank will appoint an executive who would come to your office or residence to pick the documents. The bank would verify the documents thoroughly and give approval only when it is satisfied with the details furnished. The branch application would require filling the application form and submitting the same along with relevant documents. Similarly to the online application, the details you furnish in the offline form would be checked thoroughly before you get the nod from the bank. IndusInd Bank Credit Card Online Payment You can make an online payment for the card using the net banking facility or even via debit card. The online payment is fast and secure. Don’t rely on conventional cash and cheque deposit options, particularly when the due date is about to expire. The payment would get credited. But there are chances of the payment getting credited late. In that case, unnecessary charges would add to the card that you see in the statement. |
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Anika Sharma
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