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Banks do lend to senior citizens, but the real question is whether the loan will make your life easier or more stressful.
Lower interest rates can look tempting, but switching your home loan is not always the smart move. Here is how to decide.
A small difference in interest rate doesn’t feel like much at first, but over 20 years it can quietly add up to lakhs.
A home loan for self-construction works a little differently from buying a flat. Understanding how lenders disburse money and how tax benefits actually apply can save you unpleasant surprises later.
Prepaying a home loan can dramatically cut interest costs, but timing matters as much as the amount you pay.
Many homeowners lock themselves into higher costs without realising it, and the damage shows up slowly, not all at once.
The difference between a “good” and an “excellent” credit score may look small, but when you are taking a home loan, it can quietly decide how much you pay for the next 20 years.
A good credit score opens doors, but it does not guarantee approval. Lenders look at far more than just one number—and that is where many borrowers get caught off guard.
A tiny dip in your home loan rate can quietly change the math of your entire loan.
A lower interest rate looks tempting, but a home loan transfer only makes sense if the maths and the mechanics both work in your favour.
More lenders now allow EMI payments through credit cards, but the convenience comes with conditions that borrowers should understand before shifting their monthly repayment routine.
Using your retirement corpus to fast-track your home purchase or close a loan can make sense in some cases – but only if you understand the rules, limits and risks properly.
A home purchase at this stage needs careful balance between EMIs, savings and long-term security.
Understand the difference between fixed and floating home loan rates to choose the one that best fits your budget and comfort with risk.
A smart home loan isn’t just about the lowest rate—it’s about picking terms that fit your life and finances.
Compare home loan interest rates from top banks, with rates starting from 7.3% and EMIs ranging from Rs 39,670 to Rs 44,986 for a Rs 50 lakh loan over 20 years.
Move only when the rate cut beats all fees and you keep (not stretch) your remaining tenure—early in the loan is where the big wins are.
Balancing financial comfort and long-term gains depends on your liquidity and investment goals
Top banks offer competitive home loan rates, with Canara Bank and Union Bank of India starting at 7.3 percent interest, while HDFC Bank starts at 7.4 percent interest for a 20-year loan tenure.
A single slip can feel harmless, but it has ripple effects on your money and your credit history.
Housing finance companies offer home loans at interest rates starting from 7.45% with EMIs starting from Rs 40,127 for a Rs 50 lakh loan.
Internal balance transfer to a lower interest rate for a home loan is always the easiest path, with less paperwork and without the need for a property revaluation, according to experts.
Bajaj Finserv and LIC Housing Finance top the list of non-banking companies that currently offer the cheapest home loans, with interest rates starting at 7.35-7.5 percent.
Home loan rates range from 7.3% to 9%, with Canara Bank and Union Bank offering lowest rates at 7.30% for Rs 50 lakh loan.
Understanding the role of home loan insurance can help you make an informed decision about protecting your family’s financial future.
