That EPF balance sitting quietly in your passbook can look tempting when you are staring at a 20-year home loan. If you have built up a sizeable corpus, it feels logical to use some of it to bring down your EMI or cut the tenure. The rules do allow it. But this is not free money.

  More Indian women today are working, investing in mutual funds and buying insurance. Increasingly, they are also looking at real estate as a way to build long-term wealth. A recent consumer survey by ANAROCK Group highlights this shift in aspirations. The share of wo

Most home loans in India are signed for 20 to 30 years, but very few borrowers’ lives actually stay that stable for three decades. A promotion, a business slowdown, school fees, ageing parents, or even a new investment goal can suddenly make your current EMI feel either too heavy

Retirement by itself does not disqualify you from a home loan. Banks have moved away from rigid age cut-offs and now focus on repayment visibility. If you can show predictable income after retirement, lenders are willing to listen. What changes is the lens through which you’re j

This question comes up almost every time a freelancer starts house-hunting. You have steady work, decent income, maybe even years of experience. But the moment the conversation turns to home loans, things slow down. More documents. More questions. Longer silences from banks. So