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home loan

Important Factors to Consider Before Opting for a Home Loan Transfer

Important Factors to Consider Before Opting for a Home Loan Transfer

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 years on Rs 50 lakh, 25-year loan

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.

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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 years on Rs 60 lakh, 25-year loan

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 as PSU bank hikes lending rate

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 mandatory income proofs

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 Rs 20 lakh in interest and 5 years in tenure on Rs 50 lakh loan

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 Over 25 Years?

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 20 lakh on Rs 75 lakh property; see calculations

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.

Home Loan Calculator: How one can save over Rs 30 lakh and more than 5 years on Rs 80 lakh, 25-year loan by making this additional effort

Home Loan Calculator: How one can save over Rs 30 lakh and more than 5 years on Rs 80 lakh, 25-year loan by making this additional effort

Wed, Oct 16, 2024

Home Loan Calculator: If a borrower takes a home loan for a long time, it is highly likely that they pay more interest than the principal amount. If they take a Rs 60 lakh loan for 20 years at a 9.5 per cent interest rate, their estimated EMI will be Rs 55,928, the estimated interest will be Rs 74,22,689, and the estimated repayment will be Rs 1,34,22,689.

India's household debts surge on back of housing loans, rising trend of unsecured lending

India's household debts surge on back of housing loans, rising trend of unsecured lending

Sat, Sep 14, 2024

Amid concerns about India's rising household debts, a recent report by Care Edge Ratings highlighted that the increase in household debt is primarily driven by a surge in housing loans, which constitute over 50 per cent of retail loans.

5 things you must do after repaying home loan, failing which may lead to problems in future

5 things you must do after repaying home loan, failing which may lead to problems in future

Fri, Sep 06, 2024

Home Loan Repay: A home loan is a long-term commitment that takes years to repay. When the final EMI is paid, it’s natural to feel a sense of relief and accomplishment as the burden of debt is lifted.

Home Loan Vs Buying House in Cash: Why some people choose home loan even if they have money? 4 key benefits every buyer should know

Home Loan Vs Buying House in Cash: Why some people choose home loan even if they have money? 4 key benefits every buyer should know

Wed, Aug 28, 2024

Home loan Vs. buying house with own money: Home loan is invaluable for those who do not have enough money to buy a house, it provides a lump sum amount which is gradually repaid in installments.

Home Loan or your savings to buy a house: Here's what you should opt for

Home Loan or your savings to buy a house: Here's what you should opt for

Wed, Aug 28, 2024

Indian middle class is struggling to buy their dream house after moving to a new homeland for occupational purpose. While the interest rate are set to a downtrend going ahead as is widely anticipated after the dovish stance by the Fed's Chair Jerome Powell.

How joint home loan with your wife can help you save lakhs on repayment

How joint home loan with your wife can help you save lakhs on repayment

Wed, Aug 21, 2024

Taking a joint home loan with your wife offers multiple benefits, including lower interest rates, significant tax savings up to Rs 7 lakhs, improved loan eligibility, and the potential for a higher loan amount. It also increases the likelihood of loan approval, making it a smart financial strategy for homebuyers.

How to find mortgage broker options that fit your budget

How to find mortgage broker options that fit your budget

Tue, Aug 20, 2024

Finding a mortgage can feel overwhelming. With rates going up and down, and complex paperwork involved, who wouldn't want a little help? This is where a mortgage broker can come in. If you are trying to figure out how to find a mortgage broker that is perfect for you, you're in the right place. We'll go over the advantages and how to choose the best one.

Home loan interest rates: These 11 PSU banks offer best interest rates - Check Details

Home loan interest rates: These 11 PSU banks offer best interest rates - Check Details

Mon, Aug 12, 2024

Home loan interest rates: It is very important to compare interest rates offered by various banks before applying for a home loan. The cost of properties has surged manifold in the past few years and a decent house in in today's time will cost you around Rs 70-80 lakh.

Budget 2024: What It Means for Real Estate? Tax Relief on Home Loans: Expectations from Budget 2024

Budget 2024: What It Means for Real Estate? Tax Relief on Home Loans: Expectations from Budget 2024

Mon, Jul 15, 2024

Real estate expectations from Budget 2024. Will real estate get industry status? Will tax exemption on home loan increase in the budget? Will the definition of affordable houses change in the budget? Will the scope of exemption in LTCG increase? Watch Property Plus with Deepak Yadav

SBI home loan: Latest interest rate, benefit, EMI, tenure; all that you need to know

SBI home loan: Latest interest rate, benefit, EMI, tenure; all that you need to know

Thu, Jul 04, 2024

SBI offers specialised home loan products tailored for various groups, including defense personnel, government employees, non-salaried individuals, applicants purchasing 'green' homes, and residents of hilly or tribal areas.

How difference of just 100 points in Cibil score may force you pay Rs 10.41 lakh extra on Rs 50 lakh home loan

How difference of just 100 points in Cibil score may force you pay Rs 10.41 lakh extra on Rs 50 lakh home loan

Tue, Jun 11, 2024

Most of us have the dream of buying a home. However, homes are expensive, and one relies on home loans to fulfil their dream. Lenders check an applicant's Cibil score before extending the loan offer.

RBI MPC Meet June 2024 HIGHLIGHTS: Shaktikanta Das-led MPC leaves repo rate, policy stance unchanged; FY25 GDP forecast raised by 20 bps

Fri, Jun 07, 2024

RBI MPC June 2024 Review, Rate Decision HIGHLIGHTS: The RBI Governor Shaktikanta Das-led Monetary Policy Committee (MPC) decided to leave the repo rate as well as the policy stance unchanged at "withdrawal of accommodation" in its June 5-7 review. Catch all the latest update on the RBI's June 2024 review - the first after the announcement of the 2024 general election results - here on Zeebiz.com's blog.

SBI, PNB, HDFC Bank, ICICI Bank Home Loan Interest Rates: What can be your EMI on Rs 75 lakh, 20-year home loan; get details

SBI, PNB, HDFC Bank, ICICI Bank Home Loan Interest Rates: What can be your EMI on Rs 75 lakh, 20-year home loan; get details

Thu, Jun 06, 2024

When the repo rate is high, lenders increase home loan interest rates, leading to a higher EMI for a home loan borrower. However, the RBI has maintained a calm stance for over a year, not increasing the repo rate since February 2023.

What is home loan balance transfer? How you can save over Rs 4.80 lakh on Rs 45 lakh home loan; get example

What is home loan balance transfer? How you can save over Rs 4.80 lakh on Rs 45 lakh home loan; get example

Tue, May 28, 2024

Home loans are for a long duration, and because of that, one pays huge interest along with the principal amount as repayment. E.g., if you take a Rs 50 lakh loan for 20 years at an annual interest rate of 8.50 per cent, your interest in that duration will be Rs 54,13,879.

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