Category: Home Loan

Neither sole ownership nor joint ownership is inherently better. The right choice depends on your financial circumstances - who is investing how much in the property and how the asset will be managed in the future. Choosing a structure simply to obtain a concession or improve loan eligibility may solve one...

s It True That Home Loans for Women Are Easier to Get? Not exactly. Women homebuyers in India may receive modest financial benefits such as lower interest rates from some lenders or reduced stamp duty in certain states. However, these incentives don't make home loans easier to obtain....

This guide explains how lenders evaluate self-employed borrowers, why certain documents matter, and what you can do to be a stronger loan applicant. Whatever be your source of income, understanding how lenders think can help you prepare better and avoid unnecessary delays. ...

Applying for your first home loan? As a homebuyer, you should understand the financial commitment you’re making while avoiding mistakes that can affect your budget for years to come. While the loan application itself is a fairly structured process, we have seen that first-time buyers underestimate the costs beyond...

On June 6, 2025, the Monetary Policy Committee of the Reserve Bank of India (RBI) slashed the repo rate by 50 basis points, bringing it down from 6.0% to 5.5%. This marks the third consecutive cut this year (25 bps cuts earlier in February and April) and reflects RBI’s...

Looking for a home loan can be a bit of a headache, right?  Banks and NBFCs are all competing for your business, but who’s got your back? Banks might lure you in with their lower interest rates and clear-cut rate changes tied to external benchmarks, but what about their...

We all have possessions, but did you realize that the law treats different types of property differently? For example, that car in your garage is considered movable property, while the garage itself is considered immovable property. Knowing this isn’t just important for legal professionals—it can have an impact on...

Owning a home is a dream for many, but it often involves taking out a loan and committing to regular EMI (Equated Monthly Installment) payments. While most borrowers intend to make timely repayments, unexpected circumstances can sometimes make it challenging to meet these obligations. Defaulting on a home loan...

Do you feel like owning a house is out of reach with your current salary? With the rising real estate prices in India, many individuals with low incomes think that owning a home is unattainable. However, there’s good news – it’s not impossible. The Indian government and different financial...

So, you’ve just sealed the deal on your dream home, and now the real question is: How long do you want to be paying those monthly payments? Are you looking to dash to the finish line with a short-term loan, or are you more of a long-distance runner, taking...