Page 2 - Home Loan

Fat paycheck, fatter EMI? Some home loan mistakes to avoid at all costs

A high income doesn't guarantee peace of mind, especially when your home loan takes the front seat. Experts break down what to do before signing up for that big EMI

From 7.25% to 15%: how home loan rates compare across lenders this July

Rates range from 7.25% to 15%; check what banks and housing finance companies have for you

Retail loan origination slows down in FY25 amid multiple headwinds

Home loan originations slowed down to 2.7 per cent in FY25, compared to 9.9 per cent in the previous year due to higher property prices and macroeconomic challenges

Home payment plans in India: What CLP, PLP, flexi, and subvention mean

CLP, PLP, flexi or subvention? India's real estate payment plans offer flexibility-but come with risks. Here's what every homebuyer should know before signing

Housing sales to remain steady at 10-12% on luxury demand, low rates

Crisil report says demand will rebound in FY26 driven by premium and luxury housing across major micro markets; affordable housing launches remain limited

Home loan interest must drop to 6% to revive sales: NAREDCO president

Realtors' body NAREDCO president G Hari Babu on Friday demanded that interest on home loans should come down to around 6 per cent to boost sales that have fallen during the first six months of this year across the top seven cities. He attributed the fall in housing sales to excess supply, sharp rises in prices of residential properties and global economic uncertainties. Real estate data analytics firm PropEquity has reported a 19 per cent drop in sales during the current April-June period and a 23 per cent fall in the preceding quarter across 9 major cities. Property consultant Anarock has estimated a 20 per cent fall in the latest June quarter in the top 7 cities. When asked about the reason for this fall, Hari Babu said, "Housing prices have increased significantly in the last three years, affecting the affordability of prospective customers." Salaries have not increased so much that it can match the appreciation in the housing prices, Hari Babu said on the sidelines of a confere

SBI cuts EBLR, home loan rates by 50 bps after RBI's policy rate cut

SBI reduces EBLR and home loan rates by 50 basis points and special deposit scheme rate by 25 basis points, effective from 15 June 2025, following RBI's repo cut

BoM, BoB reduce lending rates following RBI's recent policy action

Bank of Maharashtra cuts retail loan rates by up to 50 bps; Bank of Baroda trims MCLR on select tenors with effect from 12 June as banks align with RBI move

RBI rate cut: EMIs may fall to Rs 68,000-70,000 for Rs 1 crore home loan

RBI cuts repo rate by 50 bps to 5.5%, making home loans cheaper. Borrowers with repo-linked loans to see quicker EMI relief; others may consider switching

Home loan volume and value see double-digit growth in FY25: Report

Further, loans with ticket sizes above ₹1 crore accounted for 21 per cent of total home loan disbursals during the year

RBI's rate cuts, and expectations of more, can ease your home loan EMI

Lower inflation rates are expected to trigger more rate cuts from the central bank, which will be passed on to consumers in the form of lower interest rates

Indian Bank lowers home loan rate to 7.90%, vehicle loan to 8.25%

Public sector Indian Bank has slashed the interest rates on home and vehicle loans to 7.90 per cent and 8.25 per cent, respectively, the bank said on Friday. The decision by the city-headquartered bank to cut rates comes in the backdrop of the Reserve Bank of India's Monetary Policy Committee reducing the short-term lending rate by 25 basis points to 6 per cent on April 9. A similar reduction was made in February. In a press release on Friday, Indian Bank said, "In light of the recent policy move by the Monetary Policy Committee of the Reserve Bank of India, Indian Bank has lowered its home loan interest rates from the existing 8.15 per cent per annum to 7.90 per cent per annum and vehicle loan interest rates from the existing 8.50 per cent to 8.25 per cent per annum." This reduction aims to provide relief to borrowers by lowering EMIs and promoting affordable access to credit. "In addition to the reduced interest rates, Indian Bank is also offering benefits such as discounted ...

Banks & HFCs start slashing home loan rates as repo rate dips to 6%,

Take a peek into the current home loan interest rates before making this big financial decision

Minimising payout on home loan: Boost credit score, prepay, cut tenure

A home loan balance transfer can help move to a lower interest rate

Bank of India cuts home loan rates by 25 basis points, effective April 15

This move is aimed at making home ownership more accessible and affordable, in line with the bank's ongoing commitment to support customers in achieving their financial goals

Home, auto loans turn cheaper after RBI cuts policy repo rate by 25 bps

Loans to mid and large corporates are linked to the marginal cost of funds based lending rate or MCLR which is yet to come down

Home loan EMIs set to fall after RBI rate cut: Tips to maximise savings

With the latest decision, EMIs are expected to come down, especially for those with repo-linked home loans

Reserve Bank of India broadens scope of loans under priority sector norms

Ups limit for renewable energy to Rs 35 crore

Statsguru: Are luxury homes fuelling the surge in home loan growth?

More than 58 per cent of the IHLs that HFCs disbursed in 2023-24 were more than ₹25 lakh in size, up from 54.34 per cent in 2021-22

Home purchase versus rent: For long-term end users, mkt timing not crucial

Buying makes sense for those planning to stay in a city for at least 7-10 years. Financial preparedness is crucial