{"id":5839,"date":"2024-08-21T11:38:56","date_gmt":"2024-08-21T06:08:56","guid":{"rendered":"https:\/\/savemax.in\/blogs\/?p=5839"},"modified":"2025-01-25T21:03:49","modified_gmt":"2025-01-25T15:33:49","slug":"home-loan-default","status":"publish","type":"post","link":"https:\/\/savemax.in\/blogs\/home-loan-default\/","title":{"rendered":"Home Loan Default: What Happens If You Miss EMI Payments?"},"content":{"rendered":"<p>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.<\/p><p>While most borrowers intend to make timely repayments, unexpected circumstances can sometimes make it challenging to meet these obligations.<\/p><p>Defaulting on a <a href=\"https:\/\/savemax.in\/home-loan-emi-calculator\/\">home loan EMI<\/a> can have serious repercussions, impacting your financial health and creditworthiness.<\/p><p>In this blog, we will discuss the consequences of defaulting on your <a href=\"https:\/\/savemax.in\/blogs\/prepaying-home-loan-emis\/\">home loan EMI<\/a>, and your rights if you are unable to repay the loan and provide insights on how to avoid such a situation.<\/p><p><\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"760\" height=\"507\" src=\"https:\/\/savemax.in\/blogs\/wp-content\/uploads\/2024\/03\/Home-Loan-Vs-Mortgage-Loan.jpg\" alt=\"Home-Loan-Vs-Mortgage-Loan\" class=\"wp-image-4899\"\/><\/figure><\/div><p><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Home_Loan_Default_What_It_Means_to_Default_on_Your_EMI_Payments\" title=\"Home Loan Default: What It Means to Default on Your EMI Payments\">Home Loan Default: What It Means to Default on Your EMI Payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Consequences_of_Defaulting_on_Your_Home_Loan_EMI\" title=\"Consequences of Defaulting on Your Home Loan EMI\">Consequences of Defaulting on Your Home Loan EMI<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Late_Payment_Penalties\" title=\"Late Payment Penalties\">Late Payment Penalties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Impact_of_Defaulting_on_Credit_Score\" title=\"Impact of Defaulting on Credit Score\">Impact of Defaulting on Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Legal_Ramifications_and_Potential_Foreclosure\" title=\"Legal Ramifications and Potential Foreclosure\">Legal Ramifications and Potential Foreclosure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Increased_Financial_and_Emotional_Stress\" title=\"Increased Financial and Emotional Stress\">Increased Financial and Emotional Stress<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Challenges_in_Obtaining_Future_Loans\" title=\"Challenges in Obtaining Future Loans\">Challenges in Obtaining Future Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#What_Happens_if_Someone_Fails_to_Repay_Their_Loan\" title=\"What Happens if Someone Fails to Repay Their Loan?\">What Happens if Someone Fails to Repay Their Loan?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Reminder_Notices_and_Warning_Letters\" title=\"Reminder Notices and Warning Letters\">Reminder Notices and Warning Letters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Imposition_of_Penalty_Charges_and_Additional_Interest\" title=\"Imposition of Penalty Charges and Additional Interest\">Imposition of Penalty Charges and Additional Interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Credit_Bureau_Reporting_and_Impact\" title=\"Credit Bureau Reporting and Impact\">Credit Bureau Reporting and Impact<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Legal_Action_and_Foreclosure\" title=\"Legal Action and Foreclosure\">Legal Action and Foreclosure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Property_Auction_and_Sale\" title=\"Property Auction and Sale\">Property Auction and Sale<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Your_Rights_if_You_Cant_Repay_the_Loan\" title=\"Your Rights if You Can\u2019t Repay the Loan\">Your Rights if You Can\u2019t Repay the Loan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Right_to_Adequate_Notice\" title=\"Right to Adequate Notice\">Right to Adequate Notice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Right_to_Fair_Property_Valuation\" title=\"Right to Fair Property Valuation\">Right to Fair Property Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Right_to_Balance_Proceeds\" title=\"Right to Balance Proceeds\">Right to Balance Proceeds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Right_to_Appeal\" title=\"Right to Appeal\">Right to Appeal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Right_to_Loan_Restructuring\" title=\"Right to Loan Restructuring\">Right to Loan Restructuring<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/savemax.in\/blogs\/home-loan-default\/#Right_to_Negotiate_a_Settlement\" title=\"Right to Negotiate a Settlement\">Right to Negotiate a Settlement<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_Loan_Default_What_It_Means_to_Default_on_Your_EMI_Payments\"><\/span>Home Loan Default: What It Means to Default on Your EMI Payments<span class=\"ez-toc-section-end\"><\/span><\/h2><p>When you fail to make timely monthly installments, it translates to defaulting on your home loan EMI.<\/p><p>Although missing a single payment may not result in immediate severe consequences, recurring delays or skipped payments can place you in default. This status signifies that you are lagging on your loan repayments, potentially resulting in penalties, harm to <a href=\"https:\/\/savemax.in\/blogs\/what-is-a-cibil-score\/\">your credit score<\/a>, and the lender pursuing legal action to recover the outstanding amount.<\/p><p>Defaulting represents a significant financial issue with potential long-term effects on your financial well-being.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consequences_of_Defaulting_on_Your_Home_Loan_EMI\"><\/span>Consequences of Defaulting on Your Home Loan EMI<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Late_Payment_Penalties\"><\/span>Late Payment Penalties<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Missing an EMI payment can lead to the immediate imposition of late payment penalties. Lenders typically charge a fee for each day that the EMI remains unpaid after the due date, and these penalties can accumulate quickly, adding to the overall cost of the loan.<\/p><p>The additional financial burden can make it even more challenging to get back on track with repayments.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_of_Defaulting_on_Credit_Score\"><\/span>Impact of Defaulting on Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Defaulting on your home loan EMI significantly impacts your credit score, which reflects your creditworthiness.<\/p><p>Missing payments can cause a sharp decline in your <a href=\"https:\/\/savemax.in\/blogs\/can-you-secure-a-housing-loan-with-a-low-cibil-score\/\">credit score<\/a>, making it challenging to secure loans or credit in the future, often with higher interest rates.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Legal_Ramifications_and_Potential_Foreclosure\"><\/span>Legal Ramifications and Potential Foreclosure<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Extended default on your home loan EMI may prompt the lender to take legal action.<\/p><p>In India, according to the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (<a href=\"https:\/\/www.indiacode.nic.in\/handle\/123456789\/2006?locale=en\" target=\"_blank\" rel=\"noopener\">SARFAESI<\/a>) Act, lenders have the right to seize and sell the property if the borrower defaults on the loan. This foreclosure process can lead to the loss of your home and any equity accumulated over the years.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Increased_Financial_and_Emotional_Stress\"><\/span>Increased Financial and Emotional Stress<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Defaulting on a <a href=\"https:\/\/savemax.in\/home-loan-icici-bank\/\">home loan<\/a> EMI brings financial and emotional strain.<\/p><p>Dealing with legal action, the risk of losing your home, and the financial strain can take a toll on your <a href=\"https:\/\/savemax.in\/blogs\/must-have-yoga-friendly-features-for-home\/\">mental health<\/a>, <a href=\"https:\/\/savemax.in\/blogs\/importance-of-home-in-relationships\/\">relationships<\/a>, and overall sense of security and stability.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Challenges_in_Obtaining_Future_Loans\"><\/span>Challenges in Obtaining Future Loans<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Defaulting on a loan makes it difficult to secure future loans.<\/p><p>Defaulters are often seen as high-risk borrowers by lenders, resulting in limited financial options, higher <a href=\"https:\/\/savemax.in\/blogs\/repo-rates-and-impact-on-home-loan-interest-rate\/\">interest rates<\/a>, and stricter terms for any future loans, which can hinder the pursuit of financial goals.<\/p><p><\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"850\" height=\"478\" src=\"https:\/\/savemax.in\/blogs\/wp-content\/uploads\/2024\/03\/Guide-to-Bajaj-Finserv-Home-Loan-Procedure.jpg\" alt=\"Guide to Bajaj Finserv Home Loan Procedure\" class=\"wp-image-4908\"\/><\/figure><\/div><p><\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Happens_if_Someone_Fails_to_Repay_Their_Loan\"><\/span>What Happens if Someone Fails to Repay Their Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>When someone fails to repay their home loan, it triggers a series of financial and legal repercussions. Here&#8217;s a typical sequence of events:<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reminder_Notices_and_Warning_Letters\"><\/span>Reminder Notices and Warning Letters<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Initially, the lender will send reminder notices and warning letters to the borrower, prompting them to settle the overdue payment. These communications will detail the missed payments and the resulting penalties.<\/p><p>Typically, the borrower is granted a grace period to clear the dues without facing legal action.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Imposition_of_Penalty_Charges_and_Additional_Interest\"><\/span>Imposition of Penalty Charges and Additional Interest<span class=\"ez-toc-section-end\"><\/span><\/h3><p>If the borrower continues to miss payments despite the reminder notices, the lender will begin to impose penalty charges and additional interest on the missed EMIs.<\/p><p>These charges contribute to an increase in the outstanding loan amount, further complicating the repayment process.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_Bureau_Reporting_and_Impact\"><\/span>Credit Bureau Reporting and Impact<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Persistent default on loan repayments results in the lender reporting the default to credit bureaus, adversely affecting the borrower\u2019s credit score.<\/p><p>This score is utilized by financial institutions to assess borrowers&#8217; creditworthiness, and a substantial drop in the credit score can impede the borrower\u2019s access to credit in the future.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Legal_Action_and_Foreclosure\"><\/span>Legal Action and Foreclosure<span class=\"ez-toc-section-end\"><\/span><\/h3><p>In the event of continued loan defaults, the lender may initiate legal proceedings under the SARFAESI Act or other applicable laws. This may lead to the seizure of the property and the commencement of foreclosure procedures.<\/p><p>The property is then auctioned off by the lender to recoup the outstanding loan amount.<\/p><p>Any shortfall following the sale may remain the responsibility of the borrower, while any excess amount is refunded to the borrower.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Property_Auction_and_Sale\"><\/span>Property Auction and Sale<span class=\"ez-toc-section-end\"><\/span><\/h3><p>The foreclosure process culminates in the auction and sale of the property by the lender to the highest bidder, with the proceeds utilized to repay the outstanding loan amount.<\/p><p>If the sale proceeds are insufficient to cover the entire loan amount, the borrower may still be accountable for the remaining balance.<\/p><p><\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"860\" height=\"574\" src=\"https:\/\/savemax.in\/blogs\/wp-content\/uploads\/2024\/07\/Transfer-of-Development-Rights-TDR-In-India.jpg\" alt=\"Transfer of Development Rights (TDR) In India\" class=\"wp-image-5640\"\/><\/figure><\/div><p><\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_Rights_if_You_Cant_Repay_the_Loan\"><\/span>Your Rights if You Can\u2019t Repay the Loan<span class=\"ez-toc-section-end\"><\/span><\/h2><p>When facing difficulties in repaying a loan, it is important to understand your rights as a borrower. These rights include:<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Right_to_Adequate_Notice\"><\/span>Right to Adequate Notice<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Before any legal action or foreclosure can take place, the lender is obligated to provide you with adequate notice. According to the <\/p><p>Act, the lender must give you a 60-day notice before taking possession of your property.<\/p><p>This notice period allows you time to secure the necessary funds or negotiate with the lender.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Right_to_Fair_Property_Valuation\"><\/span>Right to Fair Property Valuation<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Should the lender decide to auction your property, you have the right to expect a fair valuation of the property.<\/p><p>The property must be valued by a qualified professional, and the lender must ensure that the auction price is fair and reflects the market value of the property.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Right_to_Balance_Proceeds\"><\/span>Right to Balance Proceeds<span class=\"ez-toc-section-end\"><\/span><\/h3><p>If your property is sold at auction and the sale price exceeds the outstanding loan amount, you are entitled to receive the excess proceeds.<\/p><p>The lender cannot keep the surplus, and it must be returned to you after any dues have been deducted.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Right_to_Appeal\"><\/span>Right to Appeal<span class=\"ez-toc-section-end\"><\/span><\/h3><p>If you feel that the lender has treated you unfairly or violated your rights, you have the right to appeal. You can seek resolution through the Debt Recovery Tribunal (<a href=\"https:\/\/drt.gov.in\/\" target=\"_blank\" rel=\"noopener\">DRT<\/a>) within 45 days of receiving the lender&#8217;s notice.<\/p><p>The DRT will assess your case and determine whether the lender&#8217;s actions were justified.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Right_to_Loan_Restructuring\"><\/span>Right to Loan Restructuring<span class=\"ez-toc-section-end\"><\/span><\/h3><p>If you are encountering genuine financial challenges, you have the right to request that the lender restructure the loan. Lenders may offer options such as extending the loan term, reducing the EMI amount, or providing a moratorium period.<\/p><p>Loan restructuring can assist you in better managing your finances and avoiding loan default.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Right_to_Negotiate_a_Settlement\"><\/span>Right to Negotiate a Settlement<span class=\"ez-toc-section-end\"><\/span><\/h3><p>In certain situations, you may have the opportunity to negotiate a settlement with the lender. If you are unable to fully repay the loan, the lender might agree to accept a one-time settlement amount that is less than the total outstanding balance.<\/p><p>This negotiation may help you avoid legal actions and resolve the debt.<\/p><p>It&#8217;s important to remember that missing your <a href=\"https:\/\/savemax.in\/home-loan-hdfc-bank\/\">home loan<\/a> EMI payments can have serious repercussions on your finances, credit score, and overall well-being.<\/p><p>However, you can prevent these issues by being proactive through steps such as budgeting, creating an emergency fund, keeping open communication with your lender, and exploring options for refinancing.<\/p><p>Being aware of your rights as a homeowner is also crucial in these situations.<\/p><p><a href=\"https:\/\/savemax.in\/\">Save Max Real Estate Brokerage<\/a> has partnered with leading banks including <a href=\"https:\/\/savemax.in\/home-loan-sbi-bank\/\">SBI<\/a>, <a href=\"https:\/\/savemax.in\/home-loan-hdfc-bank\/\">HDFC<\/a>, <a href=\"https:\/\/savemax.in\/home-loan-bajaj-bank\/\">Bajaj Finserv<\/a>, and <a href=\"https:\/\/savemax.in\/home-loan-icici-bank\/\">ICICI <\/a>to offer seamless home loan solutions. Contact us today and let our dedicated team connect you with these partners, ensuring you receive the best possible solutions lower interest rates.<\/p>","protected":false},"excerpt":{"rendered":"<p>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 EMI can have serious repercussions, impacting [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[386,41],"tags":[466],"class_list":["post-5839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-loan","category-money-matters","tag-home-loan-default"],"_links":{"self":[{"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/posts\/5839"}],"collection":[{"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/comments?post=5839"}],"version-history":[{"count":7,"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/posts\/5839\/revisions"}],"predecessor-version":[{"id":6239,"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/posts\/5839\/revisions\/6239"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/media\/5840"}],"wp:attachment":[{"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/media?parent=5839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/categories?post=5839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/savemax.in\/blogs\/wp-json\/wp\/v2\/tags?post=5839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}