Loans & Real Estate

Car loan vs paying in brief: A car loan at 9-10% interest on a depreciating asset is a very different decision from a home loan at a similar rate on an appreciating one, yet many buyers finance a car the same way they’d finance a house. A car loan at 9-10% interest on a depreciating

RERA homebuyer protection in brief: The Real Estate (Regulation and Development) Act, 2016 (RERA) transformed India’s real estate sector by bringing transparency, accountability, and consumer protection. The Real Estate (Regulation and Development) Act, 2016 (RERA) transformed India’s real estate sector by bringing transparency, accountability, and consumer protection. Every homebuyer should understand how RERA homebuyer protection

Home loan prepayment in brief: Prepaying a home loan guarantees a return equal to your interest rate, often 8-9%, with zero risk, while investing that same money could earn more, but isn’t guaranteed. Prepaying a home loan guarantees a return equal to your interest rate, often 8-9%, with zero risk, while investing that same money

Loan against property lap in brief: Banks typically lend 50-70% of the property’s market value (called Loan-to-Value or LTV ratio). Loan Against Property offers meaningfully lower interest rates than a personal loan for the same amount, simply because the lender has collateral to fall back on, but that collateral is your property, which changes the

Home loan eligibility in brief: Banks allow total EMI obligations (including the new home loan) to be maximum 50-60% of your net monthly income. Understanding your home loan eligibility before property hunting prevents disappointment and helps you set realistic budgets. Banks use specific formulas based on your income, existing obligations, age, and credit profile to

The difference between a fixed and floating home loan rate isn’t just about payment predictability, over a full 20-year tenure, floating rates have historically cost less overall in India despite the short-term uncertainty. Here’s how current bank rates compare, and how to choose between fixed and floating. Home loan interest rates directly determine your EMI