Ghar Loan Hisaabhttp://localhost:4173/Home loan interest rates and EMI in India explained: repo-linked rates, MCLR, fees, LTV limits, tax benefits, worked EMI and balance transfer sums, checklists and RBI sources.en-IN Credit score and your home loan rate: what it costs and how to fix report errorshttp://localhost:4173/mistakes-sources/credit-score-and-home-loan-rate/http://localhost:4173/mistakes-sources/credit-score-and-home-loan-rate/Tue, 27 Oct 2026 00:00:00 GMTHow your credit score affects the home loan rate and amount in India, what half a percentage point costs, how to get free reports and how to dispute errors with the bureaus. Fixed vs floating home loan rate in India: costs, risks and a worked comparisonhttp://localhost:4173/rates-costs-rules/fixed-vs-floating-home-loan-rate/http://localhost:4173/rates-costs-rules/fixed-vs-floating-home-loan-rate/Sat, 24 Oct 2026 00:00:00 GMTHow fixed, part-fixed and floating home loan rates work in India, what prepayment rules apply to each, and a rupee comparison under different rate paths. Home loan rate increased? Higher EMI vs longer tenure, and your rights at resethttp://localhost:4173/emi-calculations/floating-rate-reset-emi-or-tenure/http://localhost:4173/emi-calculations/floating-rate-reset-emi-or-tenure/Sat, 24 Oct 2026 00:00:00 GMTWhat happens to your EMI when a floating home loan rate rises, RBI's 2023 reset rules, a worked comparison of higher EMI vs longer tenure, and when to switch to fixed. Home loan balance transfer: worked example, break-even and when it is not worth ithttp://localhost:4173/emi-calculations/home-loan-balance-transfer-worked-example/http://localhost:4173/emi-calculations/home-loan-balance-transfer-worked-example/Sat, 24 Oct 2026 00:00:00 GMTCalculate whether a home loan balance transfer saves money after fees, GST and stamp duty, with three worked cases, the step-by-step process and pitfalls. Home loan closure: getting your original property documents back within 30 dayshttp://localhost:4173/mistakes-sources/home-loan-closure-property-documents/http://localhost:4173/mistakes-sources/home-loan-closure-property-documents/Sat, 24 Oct 2026 00:00:00 GMTWhat to collect when you close a home loan in India, RBI's 30-day rule for returning original documents, ₹5,000-a-day compensation, CERSAI release and what to do about lost papers. How to complain about your home loan lender: grievance officer, RBI Ombudsman and consumer forumhttp://localhost:4173/mistakes-sources/home-loan-complaint-rbi-ombudsman/http://localhost:4173/mistakes-sources/home-loan-complaint-rbi-ombudsman/Sat, 24 Oct 2026 00:00:00 GMTStep-by-step route for home loan complaints in India, from the lender's grievance officer to the RBI Integrated Ombudsman Scheme, time limits, what to attach and other forums. How much home loan can I get on my salary? Eligibility calculation with FOIRhttp://localhost:4173/emi-calculations/home-loan-eligibility-on-salary/http://localhost:4173/emi-calculations/home-loan-eligibility-on-salary/Sat, 24 Oct 2026 00:00:00 GMTHow Indian lenders work out home loan eligibility from net income, existing EMIs and FOIR, with a worked example, the LTV check and ways to raise eligibility safely. How to calculate home loan EMI in India: formula, worked example and checklisthttp://localhost:4173/emi-calculations/home-loan-emi-calculation-guide/http://localhost:4173/emi-calculations/home-loan-emi-calculation-guide/Sat, 24 Oct 2026 00:00:00 GMTCalculate your home loan EMI by hand with the reducing-balance formula, see how interest and principal split over 20 years, and use a checklist before you borrow. Home loan insurance: is it mandatory? Bundled policies, real costs and better optionshttp://localhost:4173/mistakes-sources/home-loan-insurance-bundling/http://localhost:4173/mistakes-sources/home-loan-insurance-bundling/Sat, 24 Oct 2026 00:00:00 GMTWhether home loan protection insurance is compulsory in India, what a single premium financed into the loan really costs, reducing cover vs term plans, property insurance and cancellations. Home loan interest rates in India: what decides your rate, EMI and total cost in 2026http://localhost:4173/rates-costs-rules/home-loan-interest-rates-india-guide/http://localhost:4173/rates-costs-rules/home-loan-interest-rates-india-guide/Sat, 24 Oct 2026 00:00:00 GMTHow Indian home loan rates are built from a benchmark and a spread, what pushes your rate up or down, and how to compare offers on EMI, fees and APR. Home loan LTV limits and down payment in India: how much will the bank fund?http://localhost:4173/rates-costs-rules/home-loan-ltv-down-payment-rules/http://localhost:4173/rates-costs-rules/home-loan-ltv-down-payment-rules/Sat, 24 Oct 2026 00:00:00 GMTRBI loan-to-value caps of 90%, 80% and 75% explained, what counts as property cost, and worked examples of down payment, stamp duty and the ₹30 lakh edge case. Home loan mistakes to avoid in India: 12 costly errors and how to prevent themhttp://localhost:4173/mistakes-sources/home-loan-mistakes-to-avoid/http://localhost:4173/mistakes-sources/home-loan-mistakes-to-avoid/Sat, 24 Oct 2026 00:00:00 GMTThe most expensive home loan mistakes Indian borrowers make, from old benchmarks and bundled insurance to missed EMIs and lost documents, with the rupee cost and the fix. Home loan prepayment: reduce EMI or tenure? Worked example with ₹5 lakhhttp://localhost:4173/emi-calculations/home-loan-prepayment-reduce-emi-or-tenure/http://localhost:4173/emi-calculations/home-loan-prepayment-reduce-emi-or-tenure/Sat, 24 Oct 2026 00:00:00 GMTWhat a ₹5 lakh part-prepayment saves on an Indian home loan if you cut the tenure or the EMI, why timing matters, prepayment rules and when investing is better. Home loan processing fee and other charges in India: full list, GST and the Key Fact Statementhttp://localhost:4173/rates-costs-rules/home-loan-processing-fee-and-charges/http://localhost:4173/rates-costs-rules/home-loan-processing-fee-and-charges/Sat, 24 Oct 2026 00:00:00 GMTEvery charge on an Indian home loan, from processing fee with 18% GST to legal, valuation, stamp duty and CERSAI, with a worked APR example and what the KFS must show. Home loan tax benefits in 2026: interest and principal deductions, old vs new regimehttp://localhost:4173/rates-costs-rules/home-loan-tax-benefits-2026/http://localhost:4173/rates-costs-rules/home-loan-tax-benefits-2026/Sat, 24 Oct 2026 00:00:00 GMTHow home loan interest and principal are treated for tax in 2026, the ₹2 lakh and ₹1.5 lakh limits, the new regime, the Income-tax Act 2025 and a worked example. Home loan tenure: 15, 20, 25 or 30 years? EMI vs total interest worked outhttp://localhost:4173/emi-calculations/home-loan-tenure-20-vs-30-years/http://localhost:4173/emi-calculations/home-loan-tenure-20-vs-30-years/Sat, 24 Oct 2026 00:00:00 GMTCompare home loan tenures of 15 to 30 years on a ₹50 lakh loan, see how much extra interest a longer tenure costs, and how age, rate rises and prepayment change the choice. Joint home loan with a co-applicant: eligibility, tax benefit split and riskshttp://localhost:4173/emi-calculations/joint-home-loan-co-applicant/http://localhost:4173/emi-calculations/joint-home-loan-co-applicant/Sat, 24 Oct 2026 00:00:00 GMTHow a joint home loan with a spouse or parent raises eligibility, how both co-owners can claim tax deductions, a worked example and what happens if the relationship or income changes. Missed home loan EMI: penal charges, SMA and NPA stages, and SARFAESI notices explainedhttp://localhost:4173/mistakes-sources/missed-emi-default-sarfaesi/http://localhost:4173/mistakes-sources/missed-emi-default-sarfaesi/Sat, 24 Oct 2026 00:00:00 GMTWhat happens after you miss a home loan EMI in India, day by day: bounce and penal charges, SMA and NPA classification, SARFAESI notices, your rights and how to recover. Official sources for home loans in India: where to check rates, rules, lenders and propertyhttp://localhost:4173/mistakes-sources/official-sources-home-loan-india/http://localhost:4173/mistakes-sources/official-sources-home-loan-india/Sat, 24 Oct 2026 00:00:00 GMTA directory of official Indian sources for home loan borrowers: RBI, NHB, CERSAI, RERA, tax, PMAY-U, credit bureaus and complaint portals, with what to check on each. PMAY-Urban 2.0 interest subsidy on home loans: who qualifies and what it is worthhttp://localhost:4173/rates-costs-rules/pmay-urban-2-interest-subsidy/http://localhost:4173/rates-costs-rules/pmay-urban-2-interest-subsidy/Sat, 24 Oct 2026 00:00:00 GMTHow the PMAY-U 2.0 Interest Subsidy Scheme works for EWS, LIG and MIG families, the loan and property limits, how the subsidy reaches your loan and a worked EMI example. Pre-EMI vs full EMI on an under-construction flat: which costs less?http://localhost:4173/emi-calculations/pre-emi-vs-full-emi-under-construction/http://localhost:4173/emi-calculations/pre-emi-vs-full-emi-under-construction/Sat, 24 Oct 2026 00:00:00 GMTHow pre-EMI interest works on tranche disbursements for under-construction property in India, a worked comparison with full EMI, subvention schemes and RERA checks. Repo-linked rate (EBLR) vs MCLR home loan: which do you have and should you switch?http://localhost:4173/rates-costs-rules/repo-linked-ebrl-vs-mclr-home-loan/http://localhost:4173/rates-costs-rules/repo-linked-ebrl-vs-mclr-home-loan/Sat, 24 Oct 2026 00:00:00 GMTHow repo-linked and MCLR home loan rates differ, how to find your benchmark in your loan papers, and a worked example of switching an old MCLR loan.