Home Loans News
Home loan vs loan against property: Which one should you choose in 2025?
Home loans and loans against property (LAP) are secured loans with different purposes. Home loans are for purchasing real estate, while LAP allows borrowing against property for various needs. Choosing between them depends on financial goals and repayment capacity.
3 min read19 Jun 2025RBI cuts repo rate by 50 bps: How your home loan EMIs will be affected instantly
RLLR-based home loans provide faster EMI adjustments following RBI rate cuts compared to MCLR loans. Borrowers can switch their loans for potential savings, especially over long tenures, but should be cautious of the associated interest rate risks and fluctuating EMIs.
5 min read12 Jun 2025Affordable housing financiers get a RBI rate cut boost. But it may not last.
But experts caution against an over estimation of incremental housing demand in response to the RBI monetary policy action
4 min read11 Jun 20254 serious consequences of missing your home loan EMI payments
Missing home loan EMIs can significantly impact your credit score, lead to hefty penalties, and trigger legal actions like property repossession. Staying consistent with repayments is vital to protect your creditworthiness and long-term financial stability.
3 min read22 May 2025PSU banks are winning the home loan race against private lenders. Here's why.
Private sector banks faced significant challenges in FY25 due to more stress in unsecured loans, less liquidity, and stricter Reserve Bank of India monitoring of small loans.
4 min read22 May 2025What are the tax benefits of taking a home loan?
Under the old tax regime, a home loan taken for a self-occupied property is eligible for a deduction of ₹1.5 lakh per annum on principal repayment and ₹2 lakh per annum on interest.
2 min read13 May 2025Home loan balance transfer: 3 smart reasons why you should switch today
Explore the benefits of a home loan balance transfer in 2025 cut down your EMIs, enjoy flexible repayment options, and experience improved service. With falling repo rates, now is the perfect time to switch lenders and maximise your savings smartly.
3 min read25 Apr 2025How to reduce home loan EMIs? 5 simple moves for big savings
Learn five smart strategies to reduce your home loan EMIs, including refinancing, partial pre-payments, extending loan tenure, boosting EMI amounts, and opting for step-up EMI plans. Lower your financial burden and save on interest over time.
3 min read21 Apr 2025Home sales dip 19% in Q1, says report. How did Delhi-NCR market perform? Find out
The report highlights rising property costs and the global tariff and trade war causing instability in the job market. The real estate destinations analysed include Delhi-NCR, Ahmedabad, Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, and Pune.
2 min read18 Apr 2025Lower EMIs? THESE banks cut their home loan lending rates in past one week. Check details
A number of public sector banks including SBI, PNB, Indian Bank have Bank of Maharashtra have cut their repo linked lending rates on home loans in the past few days
1 min read15 Apr 2025