{"id":20855,"date":"2023-08-28T15:30:20","date_gmt":"2023-08-28T15:30:20","guid":{"rendered":"https:\/\/tata-blog.osian.dev\/blog\/?p=20855"},"modified":"2024-06-20T18:40:32","modified_gmt":"2024-06-20T13:10:32","slug":"trends-in-indias-home-loan-market","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/","title":{"rendered":"Trends in India’s Home Loan Market"},"content":{"rendered":"\n

<\/p>\n\n\n\n

Are you looking for a home loan to fund your dream abode? Well, then your decision can\u2019t come at a better time as the latest trends in India\u2019s housing finance market favour the borrower. Let\u2019s have a look.<\/p>\n\n\n\n

The house loan interest rates are at an all-time low<\/strong><\/h2>\n\n\n\n

Home buying has never been as affordable as it is today. Thanks to the attractive home loan interest rates<\/a>! The interest rates on housing finance are the lowest in 4 decades, and the trend is expected to continue in 2021 as well.<\/p>\n\n\n\n

Therefore, don’t postpone your home buying plans any further to take full advantage of low-interest rates on housing finance. With Tata Capital, you can get loan rates starting at just 6.90%.<\/p>\n\n\n\n

Additional Read: <\/strong>Why Would 2021 Have a Low Home Loan Interest Rate in India?<\/a><\/p>\n\n\n\n

NBFCs continue to stay out of the repo rate ambit<\/strong><\/h2>\n\n\n\n

Repo rate is the rate at which lending institutions borrow money from the Reserve Bank of India (RBI). So, when the RBI hikes their repo rate, the lenders\u2019 interest rates also go up, and borrowers get housing finance at a higher ROI.<\/p>\n\n\n\n

However, NBFCs continue to stay excluded from this mandate. This is why even if the RBI pushes their repo rate up, and it\u2019s already up from last year, you can avail of home loan<\/a> at a lucrative rate from NBFCs.  <\/p>\n\n\n\n

Loan restructuring and moratoriums to continue<\/strong><\/h2>\n\n\n\n

The Government of India introduced moratoriums on housing finance as a temporary relief from EMI payments to individuals adversely affected during the pandemic. Here, if you opted for a loan moratorium, you won\u2019t be required to pay monthly instalments during the period. However, the interest isn\u2019t waived off, and it accrues on the outstanding loan amount.<\/p>\n\n\n\n

With things slowly returning to normal, authorities have introduced a loan restructuring option in addition to moratoriums. Now, borrowers can restructure their loan by renegotiating easier terms and conditions, like longer tenures or paying off only the interest component initially. <\/p>\n\n\n\n

Both housing finance moratoriums and restructuring schemes will continue this year, and you can choose the option that suits your repayment capacity.<\/p>\n\n\n\n

Additional Read: <\/strong>What is the Meaning of Moratorium Period in Home Loan?<\/a><\/p>\n\n\n\n

Online application becoming popular for housing finance<\/strong><\/h2>\n\n\n\n

Gone are the days of waiting in a queue to meet a loan representative. Nowadays, you can go to your preferred lending institution\u2019s website, apply for housing finance, and get your loan approved within minutes. With Tata Capital, you can even avail of housing finance via WhatsApp.<\/p>\n\n\n\n

What’s more, before applying, you can accurately calculate your potential EMIs and interest payable using a digital home loan EMI calculator<\/a>. Simply input your loan tenure, amount, and interest rate to get the results.<\/p>\n\n\n\n

Final thoughts<\/strong><\/h3>\n\n\n\n

The borrower-friendly trends in India\u2019s housing finance market are all the motivation you need to apply for a loan today. But, you require the right lender to get started!<\/p>\n\n\n\n

Turn to India\u2019s most trusted lending institution Tata Capital for housing finance, available at attractive home loan rates, with customisable tenures and speedy processing.<\/p>\n\n\n\n

Check out our easy home loan eligibility<\/a> and minimal required documents<\/a>. Choose flexible EMI plans and enjoy a comfortable borrowing experience with us.<\/p>\n\n\n\n

So, what are you waiting for? Apply with us and unlock the door to your dream abode!<\/p>\n\n\n\n

\n
\n
<\/div>\n\n\n\n
\n
\n
Apply For House Loan<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Are you looking for a home loan to fund your dream abode? Well, then your decision can\u2019t come at a better time as the latest trends in India\u2019s housing finance market favour the borrower. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":20856,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"class_list":["post-20855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-home"],"yoast_head":"\nTrends in India's Home Loan Market - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Top Trends in Home Loan Industry: India's home loan market\u00a0is anticipated to grow at a brisk rate this 2021. Find out the latest update on Home loan trends!\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trends in India's Home Loan Market - Tata Capital Blog\" \/>\n<meta property=\"og:description\" content=\"Top Trends in Home Loan Industry: India's home loan market\u00a0is anticipated to grow at a brisk rate this 2021. Find out the latest update on Home loan trends!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-28T15:30:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-20T13:10:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2021\/07\/03-home-loan-market.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/\",\"name\":\"Trends in India's Home Loan Market - Tata Capital Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2023-08-28T15:30:20+00:00\",\"dateModified\":\"2024-06-20T13:10:32+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a\"},\"description\":\"Top Trends in Home Loan Industry: India's home loan market\u00a0is anticipated to grow at a brisk rate this 2021. Find out the latest update on Home loan trends!\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapital.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Trends in India’s Home Loan Market\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/\",\"name\":\"TATA Capital Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a\",\"name\":\"Tata Capital\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g\",\"caption\":\"Tata Capital\"},\"sameAs\":[\"https:\/\/tata-blog.osian.dev\/blog\"],\"url\":\"https:\/\/tata-blog.osian.dev\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Trends in India's Home Loan Market - Tata Capital Blog","description":"Top Trends in Home Loan Industry: India's home loan market\u00a0is anticipated to grow at a brisk rate this 2021. Find out the latest update on Home loan trends!","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"en_US","og_type":"article","og_title":"Trends in India's Home Loan Market - Tata Capital Blog","og_description":"Top Trends in Home Loan Industry: India's home loan market\u00a0is anticipated to grow at a brisk rate this 2021. Find out the latest update on Home loan trends!","og_url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/","og_site_name":"TATA Capital Blog","article_published_time":"2023-08-28T15:30:20+00:00","article_modified_time":"2024-06-20T13:10:32+00:00","og_image":[{"width":770,"height":400,"url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2021\/07\/03-home-loan-market.jpg","type":"image\/jpeg"}],"author":"Tata Capital","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tata Capital","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/","url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/","name":"Trends in India's Home Loan Market - Tata Capital Blog","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2023-08-28T15:30:20+00:00","dateModified":"2024-06-20T13:10:32+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a"},"description":"Top Trends in Home Loan Industry: India's home loan market\u00a0is anticipated to grow at a brisk rate this 2021. Find out the latest update on Home loan trends!","breadcrumb":{"@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/trends-in-indias-home-loan-market\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapital.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Trends in India’s Home Loan Market"}]},{"@type":"WebSite","@id":"https:\/\/www.tatacapital.com\/blog\/#website","url":"https:\/\/www.tatacapital.com\/blog\/","name":"TATA Capital Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a","name":"Tata Capital","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a6a38ea7397ec3ff4a8dc9b854558dbfc2d1c417498effd79c6186d3edf6ae28?s=96&d=mm&r=g","caption":"Tata Capital"},"sameAs":["https:\/\/tata-blog.osian.dev\/blog"],"url":"https:\/\/tata-blog.osian.dev\/blog\/author\/admin\/"}]}},"featured_image_url":"https:\/\/tata-blog.osian.dev\/blog\/wp-content\/uploads\/2021\/07\/03-home-loan-market.jpg","_links":{"self":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/20855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/comments?post=20855"}],"version-history":[{"count":4,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/20855\/revisions"}],"predecessor-version":[{"id":42940,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/posts\/20855\/revisions\/42940"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/media\/20856"}],"wp:attachment":[{"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/media?parent=20855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/categories?post=20855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tata-blog.osian.dev\/blog\/wp-json\/wp\/v2\/tags?post=20855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}