Home Loans Articles

Home loans
January 15, 2020
What is a mortgage guarantee?

Mortgage guarantee is often confused with home insurance. However, this is more relevant for those who have taken a home loan. Here are the details you need

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State Bank of India
January 9, 2020
Get entire SBI home loan principal back if developer fails to stick to project deadline

The scheme is part of the newly-launched ‘Residential Builder Finance With Buyer Guarantee’ (RBBG) that seeks to safeguard homebuyers financially

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Home loan repayment
November 5, 2019
4 things to remember when you repay home loan with provident fund money

Pay attention to the cost of the home loan after adjusting for income tax benefits; EPF subscribers above 50 years of age should avoid using PF meant for retirement to repay the home loan

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Banks or HFCs
October 28, 2019
Where to get that home loan: Bank or housing finance co?

Banks and Housing Finance Companies (HFC) offer home loans at competitive interest rates. Which one should you go for? Here’s the answer

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Personal finance round up
September 25, 2019
News roundup: Pay health insurance premium as EMIs, PF interest at 8.65% notified, insurance firms get flexibility to fix premium

Here is a round up of key developments in insurance, home loans, and employee provident fund

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Interest rates
September 5, 2019
Will linking floating rate loans to external benchmark really cut interest rates for your home loan, car loan?

RBI makes it mandatory for banks to link all their fresh retail loans to an external benchmark, effective October 1

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Home loans
August 1, 2019
HDFC cuts home loan rates by 10 basis points, EMIs to get cheaper

For home loans up to Rs 30 lakh, the new rate is 8.60%, while for women borrowers, it is 8.55%. The peak rate is 8.9% for loans above Rs 75 lakh

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affordable housing
July 5, 2019
Modi 2.0 Budget: Affordable home owners can avail upto Rs 7 lakh tax benefit over 15 years

Income tax deduction on home loans has been increased by Rs 1.5 lakh to Rs 3.5 lakh per annum for houses valued up to Rs 45 lakh; benefit will be available on loans taken up to March 31, 2020

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external benchmarking for loans
December 12, 2018
What does external benchmark for loans mean, and how it will help you

Even though it indeed improves transparency for the consumers, it may add a volatility component as the yields of market indices vary on a daily basis

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