Home Loan

Home loan protection plan or term cover: How borrowers should choose

If you give greater priority to flexibility, then opt for a term insurance plan

How a home loan prepayment calculator helps reduce interest burden and loan tenure

See how a lump sum payment can cut your total repayment and tenure. Use it to estimate revised EMIs and compare your options.

Home-loan tax rules explained: Deductions, sections and proof required

Taxpayers servicing a home loan may claim deductions under Section 80C, Section 24, Section 80EE and Section 80EEA, depending on eligibility.

Smart Ways to Get the Lowest Home Loan Interest Rate in India

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RBI hold repo rate at 5.25%: What it means for your home loan

The RBI has kept the repo rate unchanged at 5.25% in its April 2026 policy. What does this mean for your home loan EMI, savings, and future borrowing costs?

Rs 40 lakh home loan: Cut EMI, save interest now; experts explain how

No immediate EMI relief, but steady rates give borrowers a chance to refinance, prepay, and cut long-term loan costs

RBI repo rate at 5.25%: Save up to Rs 14 lakh on Rs 75 lakh home loan EMI

RBI keeps repo rate steady at 5.25%, holding EMIs stable while preserving savings from earlier rate cuts for home loan borrowers

Home loan rates start at 7.10% in March; state-owned banks lead in offers

Public sector banks and private lenders maintain competitive entry-level rates, though final pricing depends on borrower credit profile

Crude at $100: Should you lock in home loan rates before FY26?

Rising crude oil prices amid tensions in West Asia could affect inflation and the RBI's rate trajectory. Borrowers may consider locking in home loan rates before the financial year ends

Women home loan borrowers: Co-borrowers must ensure they are co-owners

Besides enjoying a share in the property, this will make them eligible for tax benefit

How to Calculate Your Home Loan Eligibility: Factors That Influence Approval

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One extra home loan EMI can save Rs 15 lakh, cut 5 yrs on Rs 50 lakh loan

With EMIs unlikely to change immediately, the focus shifts to optimising tenure, prepayments and spreads

Home loans at 7-12% range after RBI rate hold: Check latest offers here

As RBI holds policy rates, the gap between floor and ceiling rates means a borrower's credit score and lender choice are now the primary drivers of long-term housing costs

RBI repo rate at 5.25%: Home loan EMIs to stay unchanged for borrowers

With EMIs steady after the MPC's first 2026 decision, experts say borrowers should reassess loan terms instead of waiting for fresh rate cuts

Home loan in mid-Jan 2026: Interest rates range from 7.10% to 12.58%

Rates stay competitive across banks and housing finance companies, led by public sector lenders

Tier-2, Tier-3 cities drive 64% of home loan volumes in 2025: Report

Home loan demand is moving away from core metropolitan markets, with Tier-2 and Tier-3 cities emerging as the dominant contributors to growth in 2025, a report said. Tier-2 and Tier-3 cities recorded an 81 per cent year-on-year growth in home loan volumes in 2025, significantly higher than the 52 per cent growth seen in Tier-1 cities, fintech-led mortgage distribution platforms Urban Money said in a report. "This sharp expansion has increased the contribution of Tier-2 and Tier-3 markets to 64 per cent of total home loan volumes in 2025, compared to 60 per cent in 2024, highlighting a structurally broader and more distributed housing finance cycle," it said. The findings indicate that housing demand growth is no longer concentrated within a few large metros or premium price segments, it said. Instead, it said, improving infrastructure connectivity, expansion of employment hubs and sustained availability of mid-income housing are driving stronger homeownership demand across emerging

Tier-2, Tier-3 cities drive 81% home loan growth, 64% of volumes: Report

First-time and mid-income buyers fuel home loan growth across smaller cities

Home loan insurance: Buy individual term cover for greater flexibility

Individual term plan stays with the borrower even if the loan is prepaid, refinanced or transferred, and payout goes directly to the nominee

Online home loan insurance vs bank plans: Savings can go up to 72%

Data highlights sharp premium differences between online and bank-sold home loan insurance

Banks, HFCs offer home loans rates between 7-12.6% in January 2026

Public banks remain cheapest, while private lenders and HFCs price loans higher