Home Loan

Home loan prepayment can reduce interest costs, while investing surplus funds may offer higher returns. Compare the loan rate, post-tax investment gains, risk and liquidity before deciding.

Even if the RBI keeps the repo rate unchanged at 5.25% in 2026, your home loan EMI may not stay the same. MCLR-linked loans can move independently, while even repo-linked loans may see changes. Historical data reveals an uneven link between the MCLR and policy rate.

Industry expert provides insight into whether a homebuyer can use SWPs from mutual funds to support home loan payments. He advises on the best investment option for a clearer audit trail, stronger legal footing and a lower risk of dis­putes dur­ing assess­ment pro­ceed­ings.

A Delhi couple won ₹15.5 lakh in compensation after Axis Bank lost their original property papers and failed to return them after the closure of their ₹1.41 crore home loan. The Delhi State Consumer Disputes Redressal Commission ruled on the case.

A healthy credit mix can improve your credit profile by showing responsible borrowing behaviour. Here's how secured and unsecured loans, timely repayments and low credit utilization influence credit scores constructively and help borrowers access better financial opportunities.

First-time home buyers often make costly loan mistakes that increase EMIs and overall repayment burden. Experts explain how tenure, down payment, credit score, hidden costs and borrowing limits impact home loan affordability, helping buyers make smarter financial decisions.

A high home loan EMI can strain monthly finances and delay wealth creation. Experts recommend keeping EMIs within 25-30% of monthly income to maintain savings, investments and financial security while managing homeownership comfortably and preparing for unexpected expenses.

The 20x rule helps homebuyers compare property prices to rental values before deciding whether to buy or rent. Here's how the price‑to‑rent ratio works, its benefits and limitations and how EMIs, appreciation and personal finances shape smarter housing choices.

The Reserve Bank of India, in its latest Financial Stability Report, said demand for small-ticket personal loans has grown rapidly over the years, rising by around 20 percent by FY26. Among unsecured retail loans, personal loans continued to dominate consumption-related borrowing. #loan #debt #credit #creditcard #india #autoloans #homeloan #education #personalloan #bank #abhinavtrivedi #rbi #finance