Home Loan News
Repo-linked rates, EMIs, balance transfers and housing-finance news.
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Homebuyer Stops ₹39.92 Lakh Home Loan EMIs After Flat Resold: What Borrowers Should Do
A buyer reportedly stopped paying EMIs on a Rs 39.92 lakh loan after the builder sold his flat twice. Here's what missed EMIs cost and what to do if it happens to you.
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Higher Repo Rate Ends Cheap Debt: What It Means for Your Home Loan EMI and Savings
A higher repo rate, as reported by The Goan, signals the end of cheap borrowing. Here's how it can change your EMI, your fixed deposits and your next money moves.
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Add ₹5,000 to Your EMI and a ₹20 Lakh Loan Ends Years Sooner
Paying ₹5,000 more each month on a ₹20 lakh home loan can cut years off the loan and save lakhs in interest. Here's how it works.
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RBI Rate Hike Pushes Home Loan EMIs Up: 5 Ways to Manage the Cost
The RBI has raised its key rate, which can make floating-rate home loan EMIs costlier. Here's how it reaches you and five steps to limit the damage.
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Home Loan EMI May Stay Flat While Your Tenure Grows Longer: What Borrowers Should Check
Your home loan EMI may not rise when rates do, but your loan could run for more months. Here's what that costs, who it hits and what to do.
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Joint Property Disputes: Why Proof of Who Paid Matters for Home Buyers
Business Standard reports that source of funds matters in joint property disputes. Here's what it means for co-owners and what records to keep.
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SBI Lending Rate Revision Explained: EBLR vs RLLR and What Home Loan Borrowers Pay
Business Today reports on how SBI's lending rate revision, and the EBLR versus RLLR link, touches home loan borrowers. Here's what it means for your EMI.
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SBI Home Loan Borrowers Face a Higher EMI: What to Check and Do Now
Asianet Newsable reports a shock for SBI home loan borrowers over their new EMI. Here's how EMIs work, what a rise costs, and what to do.
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RBI Repo Rate Hike: Pay Higher Home Loan EMI or Extend Tenure? How to Choose
The RBI has raised the repo rate, so floating home loans may get costlier. See why a higher EMI usually beats a longer tenure, with a simple worked example.
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Repo Rate Explained: How the RBI's Key Rate Sets Your Home Loan EMI
Jaro Education has explained what the repo rate is and how it works. Here's what it means for your EMI, your deposits and your next steps.
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Higher Credit Score Can Cut Your Home Loan Cost by Lakhs, Even as Rates Rise
The Economic Times reports that a better credit score can save home loan borrowers lakhs even when rates rise. Here's how, with a simple example and steps.
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Prepay Early or Keep Cash in Hand? A Simple Test for Debt-Free Retirement
Borrowers are split between clearing home loans early and fearing higher EMIs, India Today reports. Here's how to weigh both goals with simple numbers.
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HDFC Bank Weighs Selling Home Loan Pools to Ease Margin Squeeze: What It Means for You
HDFC Bank is reportedly considering securitising home loans and selling assets as margins tighten. Your EMI and loan terms stay the same. Here's what to watch.
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SBI Home Loan Rate Goes Up 0.25 Points: Why Your Loan May Run Longer
SBI has raised home loan rates by 0.25 percentage points, as reported. On a ₹50 lakh, 20-year loan, that adds about ₹795 to the monthly EMI.
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SBI, PNB and Four Others Revise Lending Rates: Floating-Rate Borrowers Should Check EMIs
Six banks, including SBI and PNB, have revised home loan lending rates, Livemint reports. Here's how it can touch your EMI and what to check this week.
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VTP Realty Ties Up With Bajaj Housing Finance: What Home Buyers Should Check
VTP Realty has partnered with Bajaj Housing Finance. Here's what such a builder-lender tie-up usually means for your home loan, and what to check before you sign.
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Home Loan Rates Ease: 85% of Housing Loans Now Carry 7-9% Interest, and What It Means for You
Business Today reports that 85% of housing loans now sit in the 7-9% band, lower than in 2023. Here's what that means for your EMI and what to check now.
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Bank Kept Taking EMIs After Home Loan Settlement: Couple Wins Rs 68,000
A couple won Rs 68,000 after their bank kept deducting EMIs once their home loan was settled for Rs 1.1 lakh, as reported. Here's how to protect yourself.
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SBI Hikes Home Loan Rates: Why a Higher EMI Costs Less Than a Longer Tenure
SBI has raised home loan rates, per TradingView. Here's what a higher EMI or a longer tenure costs you on ₹30 lakh, ₹50 lakh and ₹1 crore loans.
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SBI Raises Lending Rates by 0.15%: What It Could Mean for Your Home Loan EMI
State Bank of India has reportedly raised lending rates by 15 basis points. Here's what that small step could mean for home loan EMIs from October.
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Builder Absconds, Home Loan Stays: What Stuck Flat Buyers Can Do About Their EMIs
When a builder disappears, the home loan doesn't. Here's what flat buyers can do about EMIs, the bank and the builder, as reported by Moneycontrol.com.
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Joint Home Loan With Your Spouse: What Two Names on the Loan Really Get You
A joint home loan can lift your eligibility and double your tax claims. It also ties both of you to the full debt. Here's how it works.
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Home Loan Rates Are Rising: How Borrowers Can Keep Their EMIs Under Control
Home loan rates are rising, according to Hindustan Times. Here's what it means for your EMI and the simple steps that can limit the extra cost.
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One Extra EMI a Year Can Cut About 3.5 Years From a Home Loan: How It Works for You
One extra EMI a year can shorten a home loan by years, The Week reports. Here's how it works, what it saves in a worked example, and what to check first.
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Young Home Loan Borrowers Under 30 Nearly Double: What It Means for First-Time Buyers
BW Businessworld reports that home loan borrowers under 30 have nearly doubled. Here's what a young first-time buyer should check before signing up for a long loan.
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Home Loan Rates Start at 7% at 12 Public Sector Banks in October 2026
Livemint reports home loan rates from 7% across 12 public sector banks. Here's what 'starting from' really means for your EMI and how to compare offers.
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Neighbour Claiming Your Land? Why Your Sale Deed's Boundary Lines Matter and What to Check
A neighbour's land claim can hinge on your sale deed. Here's why its boundary lines matter, what a small strip can be worth, and how to check your papers.
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RBI Raises Repo Rate for First Time in 3 Years: Home Loan EMIs Set to Rise, FD Rates May Follow
RBI has raised its key rate for the first time in three years, per ABP Live English. Floating-rate EMIs may rise and FD rates may follow.
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Higher Home Loan EMI After RBI's Rate Rise? Prepay, Renegotiate or Switch Lenders
The latest RBI repo rate increase can raise your home loan cost. Here's how floating-rate borrowers can limit the damage with prepayment, a rate check or a loan transfer.
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NRI Selling Indian Property to Buy a Bigger Home: How Capital Gains Tax Works
NRIs who sell a home in India and buy a bigger one may cut or avoid tax on the profit. Here's how the rules work, with a rupee example and a simple checklist.
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Buying a Flat From an NRI: TDS Checklist for Buyers From October 1
Moneycontrol.com reports new dos and don'ts for buying from an NRI from October 1. Here's the tax checklist to follow before you pay.
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Madras HC Rejects Sisters' Property Claim: What Daughters' Rights Really Are
A Madras High Court order rejected sisters' claim to a family property. Daughters' equal rights still stand, but your facts and papers matter, especially if you're buying a home.
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Possible RBI Repo Rate Hike: Why Homebuyers Should Recheck Their Budgets Now
The Times of India reports that an RBI repo rate hike may be coming. Here's what it could mean for your home loan EMI and your buying budget.
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Motilal Oswal Property Fund Sells Out of 37 Projects at 20.4% Return: What Home Buyers Can Learn
Motilal Oswal's property fund has exited 37 projects with a 20.4% return, per Business Standard. Here's what it does and doesn't mean for your home loan.
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How Repo Rate Cuts and Hikes Reach Your Home Loan EMI, Savings and Grocery Bill
Zee Business has published an explainer on how repo rate decisions flow into household budgets. Here is how that works for home loan EMIs, deposits and everyday prices, with worked numbers.
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RBI Raises Repo Rate by 0.25%: What Costlier Home Loan EMIs Mean for Floating-Rate Borrowers
As reported by PSU Connect, RBI has raised the repo rate by 0.25%. Here is how that flows into home loan EMIs, what it costs per lakh borrowed, and what borrowers can do about it.
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Stable Home Loan Rates Ahead of Festive 2026: How Buyers Can Get the Best Deal
Business Standard reports that home loan rates are stable going into the 2026 festive season. Here is how buyers can turn that stability into lower EMIs and a smarter loan.
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Under-Construction Home Loan Tax Benefits: When You Can Claim Deductions and When You Cannot
Livemint reports a tax expert explaining when under-construction home loan borrowers can claim tax benefits. Here is how pre-possession interest, Section 80C and the 5-year rule work.
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RBI Raises Repo Rate: What a Higher Policy Rate Means for Home Loan EMIs and Property Prices
The RBI has raised the repo rate, according to newskarnataka.com. Floating-rate home loan EMIs or tenures will rise, and property demand may cool. Here is the rupee impact.
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Repo Rate Policy and Home Loans: What Homebuyers and Real Estate Should Expect from RBI
Outlookmoney.com reports on how an RBI repo rate decision could affect homebuyers and real estate. Here is how it reaches your EMI, and what to do now.
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RBI Repo Rate Decision Due October 7: What It Means for Your Home Loan EMI and FD Returns
Attention is on the RBI's October 7 repo rate decision. Here is how it flows into floating-rate home loan EMIs and fixed deposit rates, and what to do before and after.
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Rs 2 Crore Home Loan After a Layoff: What Borrowers Should Do When the Salary Stops
A Rs 40 lakh-a-year techie laid off with a Rs 2 crore home loan shows how fast a big EMI turns risky. Here is what borrowers can do, and when to do it.
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Home Loan EMI Calculator Explained: How to Work Out Your Monthly Instalment Before You Borrow
A home loan EMI calculator turns amount, rate and tenure into a monthly instalment. Here is how it works, with worked examples and the mistakes to avoid.
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Home Loan Cost Control in 2026: Seven Ways Indian Borrowers Can Cut Interest Outgo
The Sunday Guardian has published seven tips on managing a home loan cheaply in 2026. Here is what the levers are worth in rupees for a typical borrower.
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A 1% RBI Repo Hike Could Lift Rs 50 Lakh Home Loan EMI by About Rs 3,200 a Month
Reporting says RBI may raise the repo rate by 100 bps by H1 2027. On a Rs 50 lakh, 20-year loan, a full 1% pass-through adds roughly Rs 3,200 to the monthly EMI.
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Home Loan Rates May Rise Soon: Fixed vs Floating Choice for Buyers Weighing a Purchase
Bhaskar English reports banks may soon raise home loan rates. Here is how a small rate rise changes your EMI and how to weigh fixed against floating before you commit.
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Bank Loses Sale Deed After Rs 1.41 Crore Home Loan Repaid: What Borrowers Should Check
A Delhi couple cleared their home loan but the lender reportedly misplaced the original sale deed. Here is what RBI's document-release rules say and what borrowers should do at closure.
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Woman Alleges ₹12.27 Lakh Loss in Work-From-Home Loan-EMI Scheme: How Borrowers Can Spot the Trap
A woman has alleged a ₹12.27 lakh fraud in a work-from-home loan and EMI scheme, per GujaratSamachar English. Here is how such schemes work and how to check a lender before you pay.
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Home Loan Affordability Depends On Existing EMIs, Not Eligibility: How To Set Your Limit
Outlook India reports on planning a home loan around income, existing EMIs and future expenses. Here is how to size the loan, with worked EMI numbers.
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Tata Capital Issues Housing Loan Rate Guidance: What Homebuyers Should Check Before Signing
Tata Capital has issued guidance to help homebuyers understand housing loan rates, as reported by Benzinga. Here is what to check in your own offer and what a rate gap costs in rupees.
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Gen Z Home Loan Borrowers Jump 86% as India's Home-Buying Age Falls
Gen Z home loan borrowers rose 86% year-on-year, per business-standard.com, signalling a falling home-buying age in India - but eligibility still hinges on income and credit, not age alone.
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Lowest Home Loan Rates: How to Compare Banks Before You Sign
Bhaskar English reports on which banks offer the lowest home loan rates; here's how to judge the real cost beyond the headline number.
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Under-Construction Flat Purchases: Due Diligence Checks Every Home Loan Borrower Needs Before Paying
Business Standard reports that buyers of under-construction property should not skimp on due diligence. Here is the checklist and the rupee cost of getting it wrong for home loan borrowers.
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Home Loan Rate Gap of Even 0.25% Costs Lakhs: What SBI, BoI and UBI Borrowers Should Compare
Livemint's comparison of SBI, BoI, UBI and other lenders shows why a small home loan rate difference matters. Here is the rupee math and what to check before you sign.
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Home Loan EMI Affordability: What ₹50,000, ₹1 Lakh and ₹2 Lakh Monthly Incomes Can Safely Borrow
As reported by Livemint, borrowers are being told to test EMIs against income. BankCreds works out the loan size a ₹50,000, ₹1 lakh or ₹2 lakh monthly income can carry without strain.
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Non-Metro Home Prices Up 63% in 5 Years: What It Means for Your Home Loan
11 non-metro Indian cities saw home prices rise 63% over five years, per Business Standard, reshaping loan amounts, down payments and EMIs for buyers outside the metros.
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Rs 40 Lakh Home Loan at 30 Years: Cheaper EMI Hides a Bigger Interest Bill
A CA's warning, reported by The Economic Times, on why stretching a Rs 40 lakh home loan to 30 years cuts the EMI but can add lakhs in extra interest.
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SBI Flags RBI Rate Hikes: Home Loan EMIs May Rise for Borrowers
SBI has flagged the possibility of further RBI rate hikes, according to urbanacres.in, which could push up EMIs for floating-rate home loan borrowers.
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US Bond Yields Spike on Sept 17: What It Means for Indian FDs, Home Loan EMIs
US Treasury yields have spiked, per financialexpress.com; here's how that could filter through to Indian home loan EMIs and FD rates — and why it won't happen overnight.
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Why Indian Home Loan EMIs Cost More Than Global Mortgages: What Borrowers Can Do
Indian home loan EMIs remain well above global mortgage costs, according to Realty Plus Magazine — here's why the gap exists and what borrowers can do to lower their EMI burden.
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Hybrid vs Floating Home Loans: When Paying for EMI Stability Is Worth the Cost
Livemint compares hybrid and floating home loans; paying extra for a fixed EMI window can be worth it for tight budgets, though floating stays cheaper for most borrowers long-term.
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Couple Skips Rs 1.5 Lakh EMI on Rs 3 Lakh Income: CA's Home Loan Math Explained
A couple earning Rs 3 lakh a month reportedly declined a Rs 1.5 lakh EMI home loan offer, per ET. Here's the FOIR math banks use, and what it means for your eligibility.
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RBI Repo Rate: Two 25 bps Hikes Possible Soon — What It Means for Home Loan EMIs
Livemint reports RBI could deliver two back-to-back 25 bps repo rate hikes, which would push up home loan EMIs. Here's what borrowers should know and do now.
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Couple Earning Rs 3 Lakh Turns Down Rs 1.5 Lakh EMI: What the CA Advised
A couple earning Rs 3 lakh monthly turned down a Rs 1.5 lakh EMI home loan, per The Economic Times. Here's the affordability math and safer EMI ratios to follow.
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RBI Repo Rate Hike Buzz: What It Could Mean for Your Home & Car Loan EMIs
Bhaskar English reports the RBI may raise the repo rate to fight rising inflation, which could push up home and car loan EMIs. Here's what it means and how to prepare.
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Rs 1 Lakh Salary? Here's the Home Loan EMI You Can Actually Afford
Moneycontrol.com reports on how much home loan EMI a Rs 1 lakh monthly earner can safely take on. Here's the affordability math, worked examples and a borrower checklist.
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SBI Research Flags Possible 25 bps RBI Rate Hike in October: What It Means for Home Loan EMIs and FDs
SBI Research reportedly expects a 25 bps RBI repo rate hike in October, per Upstox — here's how it could affect home loan EMIs and FD returns.
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RBI Repo Rate: SBI Research Sees 25 Bps October Hike — What It Means for EMIs and FDs
According to reporting by PUNE PULSE, SBI Research reportedly expects a 25 bps repo rate hike in October — here's what it could mean for home loan EMIs and FD returns.
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Repo-linked home loans keep the spotlight on spreads as festive property season opens
With most floating home loans now priced off external benchmarks, the negotiable number is the spread over repo — and the festive quarter is when lenders compete hardest for balance transfers.
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