Home Loans
How to improve your credit score from 600 to 750 with smart financial habits and better credit management
A stronger credit score starts with smart habits. You can improve your credit score from 600 to 750 by repaying your debt obligations on time, keeping credit utilisation low, avoiding unnecessary applications and checking your credit report regularly for steady financial progress.
2 min read4 Jul 2026Home loan overdraft vs regular loan: When a higher interest rate can still save you lakhs
A home loan overdraft lets borrowers park surplus cash against their loan while retaining access to it. Here's when the potential savings outweigh the higher interest rate.
6 min read16 Jun 2026Use the 3/20/30/40 rule for home loans to buy a house without straining your finances
Avoid costly borrowing mistakes with the 3/20/30/40 rule for home loans as a guide to efficient home loan planning. This simple framework helps homebuyers manage EMIs, reduce debt burden and maintain long-term financial stability. It is prudent to consult a financial advisor while planning a loan.
2 min read14 Jun 2026How the spread impacts your home loan EMI
Understanding the spread can make the difference between assuming you are benefiting from an RBI rate cut and discovering that much of the benefit has been offset by the bank's pricing decisions.
8 min read10 Jun 2026Taking a home loan? Here's why your EMI should stay within 30% of monthly income
A smart home loan EMI can help keep finances safe and build wealth, while a high repayment burden can hurt finances, damage credit profiles, and bring down credit scores. Keeping home loan EMI within 30% of monthly income helps protect savings and long-term goals.
3 min read4 Jun 2026Home loan planning tips to avoid costly financial mistakes when buying a family home
Buying a home with family requires smart home loan planning, clear ownership roles, sustainable EMI management, legal agreements, and careful budgeting to avoid financial stress and long-term repayment challenges.
4 min read16 May 2026Canara Bank hikes MCLR rate by 5 bps — Here's a look at how this impacts your auto, home and personal loan repayments
Public sector lender Canara Bank on Tuesday (12 May) hiked its MCLR rates by 5 bps. We explore how this increase will likely impact borrowers' repayments for car loans, home loans and personal loans.
2 min read13 May 2026Canara Bank hikes MCLR lending rates; Bank of Baroda keeps rates unchanged — check details
Canara Bank MCLR hike by 5 bps may raise EMIs on floating-rate loans like home, auto and personal loans, while Bank of Baroda keeps rates unchanged, impacting borrowers linked to MCLR resets from 12 May 2026.
2 min read13 May 2026Banks vs HFCs: What home loan borrowers must know
Homebuyers must choose between banks and housing finance companies (HFCs) for loans. Banks offer lower interest rates with strict documentation, while HFCs provide flexibility and quicker processing, making them suitable for self-employed borrowers.
4 min read13 May 2026Missed an EMI payment? Here are 5 ways default can impact your credit score
EMI bounce on any form of debt can quickly damage your credit score. A single missed payment may significantly reduce scores, affect loans, and increase interest rates for borrowers over time.
2 min read12 May 2026Wait for it…
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