About

Ghar Loan Hisaab is an independent information site about home loans in India. It explains how interest rates are set, what a home loan really costs once fees, GST and stamp duty are added, and how to calculate EMI, tenure, prepayment and balance transfer outcomes yourself. Every worked example shows its arithmetic so you can repeat it with your own figures.

The site is written for salaried and self-employed borrowers comparing their first home loan offer, existing borrowers deciding whether to prepay or switch, and families checking their rights with their lender. Guides cover banks and housing finance companies regulated by the Reserve Bank of India, the tax treatment of home loans, the PMAY-Urban interest subsidy and the complaint routes available.

We do not lend money, arrange loans, rank lenders or publish live interest rates. Rates in examples are illustrative. Rules are described as we understand them in October 2026, with links to the official sources so you can verify them. Nothing here is financial, legal or tax advice; for decisions about a specific property, contract or tax return, consult a qualified professional such as an advocate or a chartered accountant.

How this site is made

Ghar Loan Hisaab is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.