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Home Loan Calculations: How 5.45% increase in EMI can save your Rs 16 lakh in interest and 4 years in duration on Rs 51 lakh, 25-year loan

Home Loan Calculations: How 5.45% increase in EMI can save your R...

Mon, Mar 03, 2025

Home Loan Calculations: By increasing your EMI by just 5.45 per cent, you can reduce your loan tenure by 4 years and save Rs 16.72 lakh in interest payments.

How Your Credit Score Affects Loan Approval: Insights for first-time borrowers

How Your Credit Score Affects Loan Approval: Insights for first-t...

Fri, Feb 28, 2025

By paying bills on time, reducing credit utilisation, and checking your credit report for errors, you can increase your credit score and improve your chances of getting approved for a loan with favourable terms.

Bank of Maharashtra cuts retail loan interest rate by 25 bps

Bank of Maharashtra cuts retail loan interest rate by 25 bps

Sun, Feb 23, 2025

After a gap of 5 years, RBI reduced the repo rate, the rate at which banks borrow from the central bank, by 25 basis points to 6.25 per cent on February 7.

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5 Steps to Take After Repaying Your Home Loan to Avoid Future Issues

5 Steps to Take After Repaying Your Home Loan to Avoid Future Iss...

Fri, Feb 14, 2025

A home loan is a big commitment that takes years to pay off. When you make your final payment, it’s normal to feel relieved and proud. But before you celebrate, there are a few important steps that you need to follow even after your loan is paid off. These steps are important as skipping them could cause problems later. When you first took the loan, you gave your property’s original documents as security. It’s important to get those documents back once your loan is closed.

Home Loan Interest Saving: How you can save Rs 16.40 lakh on Rs 50 lakh home loan by increasing EMI amount by 5.41%?

Home Loan Interest Saving: How you can save Rs 16.40 lakh on Rs 5...

Mon, Feb 10, 2025

Save Rs 16.40 lakh on a Rs 50 lakh home loan by increasing your EMI by just 5.41%. Learn how shorter tenure can help reduce interest outgo significantly.

Tips for managing your home loan

Tips for managing your home loan

Thu, Feb 06, 2025

A home loan is a big financial commitment that lasts a long time. It’s important to manage it well so you don’t face unnecessary stress and can make your payments smoothly. Whether you're just starting your loan or already in the middle of it, using the right strategies can help you stay on track and manage your money better. In this video, we’ll share some easy tips to help you handle your home loan in a smart and responsible way.

Reduce Home Loan EMI vs Reduce Tenure: Which option can help you save Rs 30 lakh & 5 years on Rs 65 lakh loan

Reduce Home Loan EMI vs Reduce Tenure: Which option can help you...

Thu, Feb 06, 2025

If you opt to reduce your home loan EMI, it will reduce the monthly installment amount that you pay towards your loan repayment. Whereas, if you opt to reduce the tenure of the loan while maintaining the same EMI and cutting the interest cost. It will lead to quicker loan closure, allowing you to be debt-free soon.

Reduce Home Loan EMI vs Reduce Tenure: Which prepayment option can help save Rs 30 lakh, & 5 years and 4 months on Rs 65 lakh, 25-year loan

Reduce Home Loan EMI vs Reduce Tenure: Which prepayment option ca...

Tue, Feb 04, 2025

If you choose to reduce your home loan EMI, it will reduce the monthly installment amount that you pay towards your loan repayment. Whereas, if you choose to reduce the tenure of the loan while maintaining the same EMI and cutting the interest cost. It will lead to quicker loan closure, allowing you to be debt-free soon. Now the question is what will you choose, reduced home loan EMI or reduced tenure?

Tips for managing your home loan

Tips for managing your home loan

Wed, Jan 15, 2025

Managing a home loan efficiently requires careful planning and consistent efforts. By staying disciplined with repayments, leveraging opportunities for prepayments, and maintaining financial health, you could reduce the overall cost of your loan. Follow these practical tips to navigate your loan tenure smoothly and achieve your financial goals.

Reduce Home Loan EMI vs Reduce Tenure: Which prepayment option can help save Rs 27 lakh, & 6 years and 3 months on Rs 50 lakh, 25-year loan

Reduce Home Loan EMI vs Reduce Tenure: Which prepayment option ca...

Mon, Jan 13, 2025

Reducing your home loan EMI means lowering the monthly installment amount you pay towards your loan repayment. On the other hand, reducing the loan tenure means maintaining the same EMI and cutting the interest cost. Plus reducing your tenure leads to quicker loan closure, allowing you to be debt-free soon. But the question that often confuses people who opt for home loan prepayment is whether they should go for a reduced home loan EMI or a reduced tenure.

Home Loan Calculations: How you can save Rs 52 lakh, and 7 years, 10 months on Rs 75 lakh, 30-year loan

Home Loan Calculations: How you can save Rs 52 lakh, and 7 years,...

Mon, Jan 06, 2025

Prepayment can help you save interest amount on your loan. Let’s understand how prepayment can help you save over Rs 52 lakh on Rs 75 lakh loan. See calculations.

If you increase your EMI by just 3.90%, you can save Rs 28 lakh on Rs 70 lakh loan; see calculations

If you increase your EMI by just 3.90%, you can save Rs 28 lakh o...

Wed, Jan 01, 2025

If you increase your monthly EMI by just 6.69 per cent on a Rs 70 lakh home loan, you could save nearly Rs 28 lakh in interest payments. Wondering how it works? Let’s understand how small changes in your EMI can help you save big in the long run.

Home Loan: Check top 10 Banks like SBI, PNB, Canara Bank, HDFC, BoB and more with best interest rates for Rs 75 lakh loans

Home Loan: Check top 10 Banks like SBI, PNB, Canara Bank, HDFC, B...

Sun, Dec 29, 2024

Check out the best home loan interest rates for Rs 75 lakh loan from top banks like SBI, PNB, HDFC, and more. Compare rates to find the best deal for your home purchase. Keep in mind, that the interest rate depends on your credit score, so you’ll see a range of rates from different banks.

Home Loan Calculations: How you can save nearly Rs 22 lakh and 4 years on Rs 70 lakh loan for 25-year tenure

Home Loan Calculations: How you can save nearly Rs 22 lakh and 4...

Wed, Dec 25, 2024

In most cases, individuals look for a minimum EMI option considering their comfort and pocket. But sometimes pushing your limits a bit can benefit you in the long run. Choosing a shorter loan tenure can impact your finances. While it may result in slightly higher monthly payments, it will ultimately save you money and time.

Important Factors to Consider Before Opting for a Home Loan Transfer

Important Factors to Consider Before Opting for a Home Loan Trans...

Fri, Dec 13, 2024

The dream of having your own house is an aspiration held by many and home loans have been instrumental in making that happen. Homeownership has, for decades, been associated with financial security and stability. And If a person wants to refinance an existing home loan, they should take note of the prevailing financial conditions and their own ability to deal with the new terms.

Home Loan Calculator: How you can save nearly Rs 16 lakh and 4 years on Rs 50 lakh, 25-year loan

Home Loan Calculator: How you can save nearly Rs 16 lakh and 4 ye...

Thu, Dec 05, 2024

Let’s understand how one can save approximately Rs 16 lakh in interest and reduce your home loan tenure by 4 years on a Rs 50 lakh, 25-year loan.

Can a bank auction my property if I default on my loan?

Can a bank auction my property if I default on my loan?

Thu, Nov 28, 2024

A loan is seen as a viable option to fulfil any big financial needs such as buying a house or a vehicle if there is a dearth of required funds. Loans allow a person to possess a property, go for higher studies or manage any other needs with the help of equated monthly instalment (EMI) payments each month.

Home Loan Calculator: How you can save nearly Rs 20 lakh and 4 years on Rs 60 lakh, 25-year loan

Home Loan Calculator: How you can save nearly Rs 20 lakh and 4 ye...

Mon, Nov 18, 2024

Opting for a shorter loan tenure can save you significantly. By increasing your EMI slightly, a Rs 60 lakh loan for 25 years reduced to 21 years can help save nearly Rs 20 lakh and several repayment years.

Attention SBI Customers: EMIs of home loan, personal loan go up as PSU bank hikes lending rate

Attention SBI Customers: EMIs of home loan, personal loan go up a...

Fri, Nov 15, 2024

According to the official website of the State Bank of India, the bank has revised the MCLR rates for 3 months, 6 months and 1 year.

PMAY: Centre contemplates providing home loans to people without mandatory income proofs

PMAY: Centre contemplates providing home loans to people without...

Mon, Nov 11, 2024

Pradhan Mantri Awas Yojana (PMAY) 2024: Under the new scheme, new methods of assessing income will be adopted for people seeking home loans. For example, a street vendor's earnings from a QR code can be considered their income, or their income can also be estimated from average billing.

Home Loan Calculator: How boosting EMI by 6.69% can help one save Rs 20 lakh in interest and 5 years in tenure on Rs 50 lakh loan

Home Loan Calculator: How boosting EMI by 6.69% can help one save...

Mon, Nov 11, 2024

If you increase your EMI by 6.69 per cent on a Rs 50 lakh home loan, you can save nearly Rs 20 lakh in interest payments. Want to understand how? Explore how small adjustments reduce long-term costs effectively.

Home Loan EMI vs SIP Investment: Which is Better for Rs 60 Lakh Over 25 Years?

Home Loan EMI vs SIP Investment: Which is Better for Rs 60 Lakh O...

Tue, Oct 29, 2024

When a borrower repays a home loan, they pay higher interest than the principal amount because such loans are of high amounts and have long durations. But if they go for a higher EMI, the interest amount can be reduced considerably. The other option to recover the interest paid is to have a mutual fund SIP investment.

Home Loan Calculator: How 10% extra down payment can help save Rs 20 lakh on Rs 75 lakh property; see calculations

Home Loan Calculator: How 10% extra down payment can help save Rs...

Mon, Oct 28, 2024

Home Loan Calculator: With the price of real estate rising, borrowers are going for high amount loans. Since these loans are for long durations, borrowers pay a higher interest amount than the principal on them. But if one goes for a higher down payment initially, they can save a considerable amount on home loan interest.

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