{"id":4924,"date":"2023-08-28T17:03:10","date_gmt":"2023-08-28T17:03:10","guid":{"rendered":"\/blog\/?p=4924"},"modified":"2025-01-16T16:09:15","modified_gmt":"2025-01-16T10:39:15","slug":"flexible-emi-options-with-tata-capital","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-home\/flexible-emi-options-with-tata-capital\/","title":{"rendered":"Flexible EMI options with Tata Capital"},"content":{"rendered":"\n

Tata Capital is a well\u2013known and trusted name in the financial services across the country.  The company on March 24th, 2015 came up with a historic announcement of the launching of flexible EMI option under various loan products.  Flexible EMI loans provide customers the unique choice to design their EMI structure as per their convenience. This structured loan is available for Tata Capital home loan, car loan, business loan, and personal loan. Needless to say, this customized repayment option can address the individual requirements of the customers at a given point of time. Tata Capital was the first NFBC in the market to offer such unique plans to benefit the loan borrowers across segments.<\/p>\n\n\n\n

Know More<\/a><\/div>\n\n\n\n

This type of loan is beneficial for those who are uncertain\nabout the security of their income throughout the loan tenure. For example, if\nyou are in the mid of your career and planning to buy a house, but you are\nworried about taking a home loan. As a housing loan at this point in your life\nand career can make saving after retirement a difficult and almost an\nimpossible task. And, that\u2019s where a flexible home loan comes into the picture.\n<\/p>\n\n\n\n

Under Tata Capital Flexible EMI Loans, four types of options\nare available. Let us have a look on all four of them –<\/p>\n\n\n\n

Step- Up EMI Option<\/strong><\/p>\n\n\n\n

Normally, the annual income of a salaried person, especially\nin the private sector increases every year with annual appraisals. Step- up EMI\nplan allows you to pay larger amounts gradually in an accelerating pattern.\nThis type of plan is highly beneficial for the big ticket loans like housing\nloans. The greatest advantage of the step up EMI option is that it enables to\nget an affordable EMI structure in the settling years of the loan. Youngsters,\nwho have just started their career prefer to opt for Step- up EMI plan as they\nare pretty sure of the increase in their income, as time progresses. Here, you\nare also eligible to get larger loan amount sanctioned under this scheme.<\/p>\n\n\n\n

Step-Down EMI Option<\/strong><\/p>\n\n\n\n

This customized loan option is for those who anticipate a decrease\nin their incomes in the later years. Borrowers who are nearing their\nretirement, normally prefer step down type of EMI structure. Here, the borrower\nis required to pay larger amounts in the initial years and decrease gradually\nin the later years of the loan tenure. This is an excellent option for children\nwho wish to combine their parents\u2019 contribution in the EMI. Step- down loan\noption helps the borrower repay faster and save on financial costs.<\/p>\n\n\n\n

Bullet EMI Option<\/strong><\/p>\n\n\n\n

In this plan, the borrower has an option to repay the loan\namount in parts and at periodic intervals. The periodic repayments help in\nlowering the installments significantly. Another good thing is, there is no\npenalty for prepayment.<\/p>\n\n\n\n

Balloon EMI Option<\/strong><\/p>\n\n\n\n

This type of repayment plan is very similar to the step up EMI option. The only difference here being is that the borrower is expected to pay one- third of the loan amount during the last installments. The Balloon payment is a large, lump sum repayment, paid either at intervals or more commonly at the end of the loan tenure. <\/p>\n\n\n\n

Tata Capital home loan<\/a> is a comprehensive housing loan scheme, in which a salaried person is eligible to get a home loan for a tenure that can range from 1 to 30 years. On the other hand, other borrowers are entitled to take a home loan of a duration ranging from 1 to 20 years.<\/p>\n\n\n\n

Apply for Affordable Housing Loan<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

Tata Capital is a well \u2013 known and trusted name in the financial services across the country.<\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":4925,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"class_list":["post-4924","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-home"],"yoast_head":"\nFlexible EMI options with Tata Capital - TATA Capital Blog<\/title>\n<meta name=\"description\" content=\"Tata Capital offers flexible EMI options for home, car, business, and personal loans, allowing you to choose repayment plans that fit your financial needs.\" \/>\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=\"Flexible EMI options with Tata Capital - TATA Capital Blog\" \/>\n<meta property=\"og:description\" content=\"Tata Capital offers flexible EMI options for home, car, business, and personal loans, allowing you to choose repayment plans that fit your financial needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/flexible-emi-options-with-tata-capital\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-28T17:03:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-16T10:39:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/01\/flexible-emi-options-with-tata-capital.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"348\" \/>\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\/flexible-emi-options-with-tata-capital\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/flexible-emi-options-with-tata-capital\/\",\"name\":\"Flexible EMI options with Tata Capital - 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