An affordable housing loan scheme is different from a regular home loan in several aspects. First, it is offered to individuals belonging to the low- and mid-income categories. Both salaried and self-employed individuals can apply for affordable home loans irrespective of their monthly income. Secondly, the interest rates for these loans are lower as compared to regular home loans. At Tata Capital, low-income housing loan interest rates start from 10.10% per annum. And thirdly, these loans entail lower amounts for buying low-cost houses. The minimum affordable housing loan offered by Tata Capital is Rs. 2 lakh.