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Home Loan Guide

Hidden Costs

    • No Prepayment charges on Teaser rate loans Shift now!

    • Unlike NHB, RBI does not allow pre-payment charges on teaser rate home loans.

    • Home Loan: The Process

    • Are some regulations are more important than the others?

    • To Fix Or To Float?

    • Hidden/Other Charges in a Home Loan


Interest Rates

    • Is this the end of the road for Teaser rate loans?

    • The Base Rate regime – Will it make a difference?

    • Credit Policy Review – April 20, 2010

    • Existing floating rate borrowers shift to a teaser loan, NOW!!!

    • Will Teaser loans give a shock to customers in 2013?

    • Is it right time for me to prepay my home loan?


Eligibility Criteria

    • Now you can get your own credit report from CIBIL

    • Can live-in and same sex couples get them?

    • Is India a Single country ?

    • Self Employed? Don’t worry……..

    • Your Best Retirement Plan – Buy Another Home

    • Buying leisure property? Don’t treat it as an investment!

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Process

    • Home-Savers

    • Home Loan: The Process

    • Picking up the pieces slowly but surely!

    • Re-development bug will hit the cities as the real estate prices (and FSI) goes up.

    • Balance transfer on home loans; Weigh the option thoroughly!

    • Documents you will need for a home loan


Tax Implications

    • DTC impact on residential house property

    • You can claim both Exemption for House Rent Allowance and deduction for interest on home loans

    • New Direct Tax Code

    • Tax deduction benefits on loan repayments on more than one property

    • Loan Amount Eligibility

    • Salient Features of Service Tax Circular No.108/02/2009 Dt. 29th January 2009

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Decision-making Corner

  • Home Loan Compare tool
  • Home Loan EMI Calculator
  • Home loan Eligibility Calculator
  • Home Loan Eligibility Calculator for Self-Employed
  • Floating or Fixed Interest Rate Calculator
  • Home Loan Loan Amortization Calculator
  • Home Loan Interest Rate Calculator
  • Impact of Changed Rates Calculator
  • Should I Transfer My Loan Calculator
  • Should I Pre-Pay My Loan Calculator

Did you know…?

    • Now you can get your own credit report from CIBIL

    • Home-Savers

    • No Prepayment charges on Teaser rate loans Shift now!

    • Unlike NHB, RBI does not allow pre-payment charges on teaser rate home loans.

Read More >