Page 2 - Home Loans

EMI relief may be quicker from Oct as RBI changes loan rules

RBI's latest rule change removes a 3-year lock on loan spreads, letting borrowers see EMI relief sooner and choose fixed rates at reset.

Loan foreclosure decoded: How it shapes your credit score and finances

The step will improve savings but impact on credit scores depends on the loan and the lender's rules

Poll-bound Bihar tops home loan growth list at 16.3%: Equirus Securities

As of June 2025, home loans, according to the Equirus note, grew 12.8 per cent y-o-y to Rs 41.2 trillion, led by state-owned banks (+15.5 per cent y-o-y) and NBFCs / state finance banks

Home loan rate in August starts from 7.35%: Check banks' offerings here

August home loan rates remain steady, with Union Bank, Bank of India and other PSU lenders offering the lowest starting point at 7.35%.

Home loan rates stable in August: Public banks at 7.35%, private at 7.70%

Public lenders like Union Bank and Bank of India offer the month's lowest home loan rates at 7.35%, while most private banks start higher

Home loans after RBI holds repo rate steady: Banks with lowest rates

How homebuyers can find the most competitive offers across banks and finance companies

Home loan EMI charged in advance? Can lenders do it, and how to contest it

Some lenders deduct EMIs in advance during loan disbursement, but RBI rules say interest must be paid on such amounts. Here's how to check if you're affected and what to do next.

1 in 4 personal loans in 2025 funded holidays, 71% from Tier-2 & -3 cities

27% of all personal loan borrowers in H1 2025 used the funds for travel, compared to 21% in 2023.

Home loans at 7.35%: See how much you will have to pay across lenders

State-owned banks offer the lowest home loan rates, but spreads are sharp at private lenders and housing finance companies

Cut home loan costs: Retain EMI, shorten tenure, consider prepaying

Borrowers can maximise savings when interest rates fall by retaining their EMI and reducing tenure, while also benefiting from repo-linked loans and selective prepayments

Mumbai, Gurugram lead India's home loan chart with ₹99L, ₹88L avg in FY25

The average home loan value in the top cities reached Rs. 74 lakh in FY 2025, marking a 5% year-on-year increase

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

Bank of Baroda cuts home loan rate to 8%, gives additional perks to women

Customers younger than 40 years to get 0.10% concession in rates as lender seeks to 'home ownership more affordable'

Bank retail credit witness sharp slowdown in FY25; drops to 11.6%

Reserve Bank of India data showed the overall bank credit growth declined to 11 per cent in FY25 from 20.11 per cent in FY24

How to use a housing loan EMI calculator to plan your loan repayment

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State-run banks can do more for affordable housing: IMGC MD & CEO

Price appreciation matters if the property is being viewed as an investment

Bundled home loan insurance: No portability for single premium plans

Lenders may push borrowers into buying policies without disclosing tenure, premium, and alternative products

PNB cuts loan rates: Check new interest rate for home, car, & personal loan

Interest rates for various loan products are effective from February 10

SBI cuts home loan rate, EBLR by 25 bps after RBI's repo rate reduction

State Bank of India (SBI) has reduced its home loan rate by 25 bps to 8.25% and EBLR to 8.90%, following RBI's 25 bps repo rate cut to 6.25%, signalling easing rates in the system

Fintech firm Ambak raises $7 million in seed and pre-series A round

The company plans to expand its operations across 35 cities and aims to cater to over 1 lakh customers in the financial year 2025-26 (FY26)