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Business News/Topic/    Home Loan

HOME LOAN

Home loan is just another category of loan provided by banks or non-banking financial corporations or other financial institutions. A loan is when you borrow a certain amount of money at a pre-decided rate of interest and tenure. Home loan is one of the most popular and most commonly used categories of loans. Financial institutions keep the property bought by an individual as collateral and offer him/her a loan against the property. A home loan usually has longer tenure such as 20 years, 25 years. The rate of interest on a home loan generally depends on the key benchmark rates, which are set by the central bank, Reserve Bank of India (RBI). Although there is an option to choose a fixed rate of interest, the floating rate of interest usually ranges from 7-12%, depending on the rate cycle set by the RBI. Get the latest home loans news, videos, headlines, opinions, special reports and more here.
Use a simple rule: If your remaining tenure is 10+ years, even a 0.50% drop can lead to substantial savings. (Pixabay) Premium

When should you refinance your home loan?

2 min read . 25 Jun 2025
Loan against property vs home loan: Compare benefits and make the right choice in 2025. Premium

Home loan vs LAP: Key differences, benefits, and which is better for you

3 min read . 19 Jun 2025
Representative Image (Pixabay) Premium

70 LPA not enough to live in metro city, says LinkedIn post

2 min read . 19 Jun 2025
With the RBI cuts repo rate by 50 bps home loan EMI reduction, homeowners can expect lower monthly payments. Premium

RBI cuts repo rate by 50 bps: How it affects your home loan EMIs

5 min read . 12 Jun 2025
In a low-interest rate regime, affordable HFCs are likely to offer better returns compared to prime or super prime lenders. (Mint) Premium

Affordable housing financiers become market darlings after RBI rate cut

4 min read . 11 Jun 2025
RBI rate cut impact: Bank of Baroda, HDFC Bank reduce lending rate by up to 50 bps, 10 bps Premium

Bank of Baroda, HDFC Bank reduce lending rate by up to 50 bps, 10 bps

1 min read . 09 Jun 2025
RBI MPC meeting: After the RBI Governor's declaration of a 50 BPS repo rate cut, experts believe that if you had a ₹50 lakh loan for 20 years, you could save somewhere in the neighbourhood of ₹1,960 off the monthly EMI. (Photo: REUTERS) Premium

RBI repo rate cut: How home loan EMI, and bank FD return will change? EXPLAINED

3 min read . 06 Jun 2025
If the MPC proceeds with a rate cut on Friday, the repo rate will be lower than 6 percent. Premium

As RBI is set to cut repo rate again, will your loan EMI go downward?

2 min read . 05 Jun 2025
A good credit score significantly influences several parameters of a home loan application. Photo: Pixabay Premium

Low credit score? Here's how to still get that home loan and fix your finances.

4 min read . 04 Jun 2025
Low credit score home loan applicants face higher interest rates and stricter terms in 2025. Premium

Home loans with a 500 credit score: Is it possible in 2025?

3 min read . 02 Jun 2025
Bandhan Bank Home Loan: Application process, eligibility, and required documents. (05 October 2015, Kolkata: Daily activity at Bandhan Bank, Kankurgachi Branch, Kolkata Photo by Indranil Bhoumik/Mint.) Premium

How to secure a Bandhan Bank 'Suraksha' home loan?

3 min read . 26 May 2025
HRA Benefits: Indian taxpayers can claim their HRA benefits only under the Old Tax Regime, not under the New Tax Regime. Premium

Can the income of a joint property be taken in single name?

2 min read . 24 May 2025
Missing EMIs on your home loan can lead to long-lasting financial and legal consequences. Premium

Avoid THESE 4 pitfalls of missing your home loan EMI

3 min read . 22 May 2025
Private sector banks faced significant challenges in FY25 due to more stress in unsecured loans, less liquidity, and stricter Reserve Bank of India (RBI) monitoring of small loans. Premium

PSU banks are winning the home loan race against private lenders. Here's why.

4 min read . 22 May 2025
The distinction between fixed and variable income is critical because banks want assurance that the income used to service the loan will remain consistent over its tenure. Image: Pixabay Premium

Salary heavy on reimbursements? You may not get the loan or credit card you want

4 min read . 14 May 2025
Applying for a home loan jointly can significantly increase borrowing capacity. (Image: Pixabay) Premium

Why joint home loans could be a smart move for homebuyers

6 min read . 13 May 2025
The 50 basis point repo rate cut over the last three months gives homebuyers the perfect opportunity to buy their own house now. Premium

What are the tax benefits of taking a home loan?

2 min read . 13 May 2025
Lower your EMIs and boost savings in 2025 with a smart home loan balance transfer. Premium

3 powerful benefits of home loan balance transfer you can’t ignore

3 min read . 25 Apr 2025
Think beyond rates. Master documents, deals, and loan structures that pay off big. (Image: Pixabay) Premium

The home loan playbook: Expert tips to save time, stress, and big money

7 min read . 23 Apr 2025
Reduce your home loan EMIs and interest payments with these 5 simple strategies to improve your financial stability. (Image: Pixabay) Premium

Want lower EMIs? Try THESE 5 smart home loan tricks

3 min read . 21 Apr 2025
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