Home Loan News
Home loan is just another category of loan provided by banks or non-banking financial corporations or other financial institutions. A loan is when you borrow a certain amount of money at a pre-decided rate of interest and tenure. Home loan is one of the most popular and most commonly used categories of loans. Financial institutions keep the property bought by an individual as collateral and offer him/her a loan against the property. A home loan usually has longer tenure such as 20 years, 25 years. The rate of interest on a home loan generally depends on the key
How would 125 bps repo rate cut by RBI in 2025 impact your monthly home loan EMI?
RBI monetary policy: As RBI has reduced repo rate by 125 bps in 2025, the monthly home loan EMI of a ₹50 lakh loan taken at 9% per annum for 15 years at the beginning of 2025 would now come down from ₹54,713 to ₹47,064
5 min read5 Dec 2025EMI Burden Now Haunting The Middle Class As Average Debt Per Indian Continues To Rise | Explained
India’s middle class is falling into a dangerous pattern of debt-fuelled consumption. The dream of upward mobility is increasingly being financed through easy credit, and the fallout has already begun. The Reserve Bank of India, data says that 5-10% of middle-class households are now stuck in a debt trap. Analysts believe this is largely driven by social media driven fake comparisons. #debt #emi #autoloans #homeloan #loans #loan #india #creditcard #personalloan #abhinavtrivedi #debtfreejourney #debtmanagement #debtfree #nirmalasitharaman #financenews #finance #socialmedia
3 Dec 2025Why tax breaks on home loans shrink for under-construction properties
The tax laws don’t allow interest deduction to be claimed while the property is under construction, and cap the total interest benefit that can be availed after taking possession
6 min read20 Nov 2025Mint Explainer: Will vertical property cards be a game-changer for flat owners?
Currently, Maharashtra's land records don't include the name of individual flat owners and their share in the building's or housing society's land, giving rise to disputes and making it harder to mortgage, sell, or inherit a flat. That's set to change soon.
2 min read18 Nov 2025Super saver home loans: How they help cut interest and shorten your loan tenure
Super saver home loans allow borrowers to save on interest by parking surplus funds in an Overdraft account linked to the loan.
4 min read11 Nov 2025Before you buy your dream home, check your credit health.
A solid credit profile can mean the difference between a loan rejection and your dream home. Here’s how to prepare your credit report and maximise your chances before applying.
3 min read10 Nov 2025Home loan insurance: Why your cover may not match your loan
Most borrowers buy insurance linked to home loans, but many of these policies are inadequate, misaligned, or wrongly assigned—leaving families unprotected when they need it most.
5 min read3 Nov 2025EMIs could drop faster as the RBI cuts the long switch-over rule. Details here
The RBI has introduced a new rule allowing faster changes to EMIs, enabling borrowers to benefit sooner from interest rate cuts and improved credit scores.
3 min read28 Oct 20255 benefits of a 750+ credit score: Better loan approvals, lower interest rates, premium financial products and more
Maintaining a credit score above 750 ensures easier loan approvals, lower interest rates, higher credit limits, faster processing, better negotiating power and exclusive access to premium financial products.
3 min read30 Sep 2025How to protect your home when it's used as loan collateral
A loan against your home carries one of the greatest financial risks: If repayments falter, the very home pledged as security can be repossessed.
4 min read24 Sep 2025Popular Topics
Budget
The Union Budget contains details about the estimated receipts and the expenditure of the government for a particular fiscal year. The Budget is allotted for the upcoming fiscal year, which runs from 1st April to 31st March of the next year. Here is a quick guide on how the Union Budget is prepared
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