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home loans

RBI’s 2nd rate cut could bring down your home loan EMI, but benefits depend on your loan’s benchmark

RBI’s 2nd rate cut could bring down your home loan EMI, but benef...

Wed, Apr 09, 2025

RBI’s 25 bps repo rate cut may lower your home loan EMI — but only if your loan is repo-linked. Older MCLR or Base Rate loans may need refinancing.

Will RBI's first rate cut in 5 years impact homebuyers, their loan EMIs?

Will RBI's first rate cut in 5 years impact homebuyers, thei...

Fri, Feb 07, 2025

Most retail floating-rate loans sanctioned after October 1, 2019, are linked to an external benchmark, primarily the repo rate. With this cut, home loan borrowers will see a reduction in their EMIs and interest burden.

5 Most Affordable Home Loans in India: Compare SBI, PNB and Canara Bank rates here

5 Most Affordable Home Loans in India: Compare SBI, PNB and Canar...

Tue, Apr 30, 2024

City Union Bank, Union Bank of India, Bank of Maharashtra, and LIC Housing Finance are offering the most affordable entry-level home loans.

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7 cheapest home loans in India that banks are offering

7 cheapest home loans in India that banks are offering

Wed, Apr 24, 2024

Some of the cheapest home loans are being offered by Union Bank of India, Bank of Maharashtra, Bank of Baroda, Bank of India and Indian Overseas Bank.

RBI MPC Meeting: What happens to your home, car loan rates after RBI keeps repo rate unchanged

RBI MPC Meeting: What happens to your home, car loan rates after...

Thu, Feb 08, 2024

RBI MPC Meeting: With the repo rate unchanged, most likely there will be no change in your home and car loan interest rates. for the time being. However, lenders are always free to change the interest rates depending on internal factors.

RBI MPC Meet: Will Your Home Loan EMI Increase?

RBI MPC Meet: Will Your Home Loan EMI Increase?

Thu, Dec 07, 2023

Feeling anxious about the recent repo rate change and its impact on your home loan EMI? Relax! This video explains the difference between fixed and floating interest rates in home loans and how they react to repo rate changes. Discover whether you need to worry or not based on your loan type.

Home Loan: Are rising interest rates affecting the affordable housing sector?

Home Loan: Are rising interest rates affecting the affordable hou...

Thu, Sep 07, 2023

Some home loan lenders such as HDFC Bank and Canara Bank chose to hike the Marginal Cost of Funds Based Lending Rate (MCLR) in August. MCLR is the lowest interest rate a bank can offer and a higher MCLR indicates that interest rates may go up.

EPFO: Is prepaying a loan from EPF money a wise decision?

EPFO: Is prepaying a loan from EPF money a wise decision?

Wed, Sep 06, 2023

There is a provision for premature EPF withdrawal for prepayment of a home loan, subject to certain conditions. The EPFO will need a certificate from the loan agency indicating the principal amount and interest as proof.

Home Loan: What are the penalties if you miss your home loan EMI?

Home Loan: What are the penalties if you miss your home loan EMI?

Sat, Aug 12, 2023

Pending EMI payments can lower a borrower’s credit score. This means that the person will be less likely to get loans and credit cards at favourable interest rates in the future.

Financial Planning: How you can get the maximum tax benefits from leveraging different loans

Financial Planning: How you can get the maximum tax benefits from...

Sat, Aug 05, 2023

Learn how to leverage different types of loans for maximum tax benefits in your financial planning. Discover the tax advantages of home loans, education loans, and business loans, and find out how personal and car loans can also offer some tax benefits.

DBS Bank to enter affordable home loan segment this fiscal

DBS Bank to enter affordable home loan segment this fiscal

Tue, Apr 11, 2023

DBS Bank India on Tuesday said it will enter the affordable home loan segment by the end of this financial year as the lender looks to expand the retail portfolio. The bank is looking to launch the product during the fourth quarter.

Bank of Baroda cuts home loan interest rates by 40 bps - check details

Bank of Baroda cuts home loan interest rates by 40 bps - check d...

Sun, Mar 05, 2023

Besides home loan, the bank has also slashed loan interest rates on micro, small and medium enterprises (MSME) starting at 8.40 per cent per annum

India 360: RBI MPC Curbs Arbitrary Penal Interest On Loans For Consumer Protection, Watch This Special Report

India 360: RBI MPC Curbs Arbitrary Penal Interest On Loans For Co...

Wed, Feb 08, 2023

Today Reserve Bank of India increased the repo rate by 25 bps to 6.50 per cent. RBI has hiked the interest rates for the sixth time in a row this year. Announcing the monetary policy, RBI Governor Shaktikanta Das said that that it has now been decided that the penalty charge for delay or default in loan repayment will be limited and transparent. RBI said that the penalty imposed by banks or NBFCs cannot be a source of income. Watch this special report on India 360.

Money Guru: How To Lower The Burden Of Home Loan EMIs? Watch Here

Money Guru: How To Lower The Burden Of Home Loan EMIs? Watch Here

Wed, Feb 08, 2023

Home loan EMI is bound to increase after the repo rate hike. But is there any way by which you can reduce the rising interest burden? Know from Experts. Watch Money Guru.

Costlier home loans, properties hit home buying affordability marginally in 2022: Report

Costlier home loans, properties hit home buying affordability mar...

Thu, Dec 29, 2022

In its annual proprietary study 'the Affordability Index 2022', Knight Frank India pointed out that home buying affordability levels in Indian markets have declined in 2022 compared to 2021, according to a statement.

Home Construction Loans: Complete Guide - Plot, Disbursement, Extension, Benefits And More

Home Construction Loans: Complete Guide - Plot, Disbursement, Ext...

Thu, Nov 24, 2022

"Home construction loans are taken by customers who already own a plot and need some financial aid in constructing their house on the said plot."

Real Estate: 5 Common Mistakes 1st Time Home Buyers MUST AVOID

Real Estate: 5 Common Mistakes 1st Time Home Buyers MUST AVOID

Mon, Nov 14, 2022

Finding an affordable home can be difficult with low inventory in many local markets and rising home prices nationwide.

Why rate hikes unlikely to impact asset quality of home loan portfolios – rating agency ICRA explains

Why rate hikes unlikely to impact asset quality of home loan port...

Tue, Nov 08, 2022

Mortgage lenders have limited headroom to extend the loan tenures given the fact that the prime home loan segment already has long tenures, and a further extension in loan tenures will lead to overall tenures extending beyond the working life of the borrower, rating agency Icra said.

Wealth Guide: Income Tax - SMART TIPS! 5 tax-saving techniques for FY23 - Here is what expert suggests

Wealth Guide: Income Tax - SMART TIPS! 5 tax-saving techniques fo...

Wed, Aug 17, 2022

Wealth Guide - Income Tax Saving Tips: Under different sections of the Income Tax Act 1961, some tax rebates and exemptions are being provided by the Government of India.

Home loan, EMIs to get costlier as HDFC hikes lending rate again - 2nd time in August

Home loan, EMIs to get costlier as HDFC hikes lending rate again...

Tue, Aug 09, 2022

The move came after RBI on Friday raised the benchmark lending rate by 50 basis points to 5.40 per cent.

Money Guru: How To Reduce EMI Of Home Loan, Car Loan? Experts Explained | Watch This Video

Money Guru: How To Reduce EMI Of Home Loan, Car Loan? Experts Exp...

Fri, Aug 05, 2022

RBI raised the repo rate by 50 basis points. With this the repo rate has increased from 4.90% to 5.40%. In all, the RBI has raised benchmark lending rate by 1.40% points since May this year. Now all types of loans will be expensive. EMI will be increased on home loan, car loan. On increasing the EMI, the existing savings will be less. On increasing the loan rate of the bank, the bank will increase the tenure. Make a plan to improve the budget, reduce expenses, make a list of necessary expenses. Keep repaying the loan when you get the lump sum amount. Increase EMI if you can pay EMI with extra savings: Pankaj Mathpal, MD, Optima Money Managers and Jitendra Solanki, SEBI Registered Investment Adviser.

Money Guru: Should You Buy Flat, House With Home Loan Or Avoid Paying EMIs?

Money Guru: Should You Buy Flat, House With Home Loan Or Avoid Pa...

Tue, Jul 05, 2022

The EMI of the house should not exceed 50% of the income. Homes can also be bought for investment purposes. Keep the amount for the house only up to 50% of the portfolio. Home loans are available from banks, financial institutions. EMI increases due to increase in home loan rates. You can buy a home by taking a home loan: Feroze Azeez, Deputy CEO, Anand Rathi Wealth Ltd

Money Guru: Where To Invest Lumpsum? Should You Go For SIP Or Pay EMI? Expert Decodes The Right Solution

Money Guru: Where To Invest Lumpsum? Should You Go For SIP Or Pay...

Wed, Jun 29, 2022

Banks made home loans expensive. The effect of increase in interest rate can be reduced by pre-payment. You can cut down on EMIs by making higher prepayments. In between, one can pre-payment in lump sum. The prepayment amount is deducted from the loan principal. Do not take too many loans. Pay EMI on time. Do not use credit cards excessively. Pay your credit card bills on time. Take loan only when you need: Hemant Rustagi, CEO of WiseInvest Pvt Ltd. Watch Money Guru.

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