Home loans
Repo-linked, MCLR or fixed: how each home loan reacts to a rate hike, with a ₹50 lakh example
Why the October 2026 repo hike reaches three borrowers with the same ₹50 lakh loan at different times and in different amounts, how to find out which benchmark your loan uses, and what to ask before switching.
20:80 and subvention schemes: who pays the home loan when the builder stops paying
In a subvention deal the loan is in your name, even though the builder promised to pay the interest. Here is what the RBI's 2013 rule and the Supreme Court's 2025 order say, what RERA offers, and how much a ₹80 lakh upfront loan costs you each month once the builder's payments stop.
Prepay the home loan or keep the cash in a deposit after the October 2026 hike: the arithmetic
After the RBI's 7 October hike to a 5.50% repo rate, here is how to compare a part-prepayment with a fixed deposit: your post-tax loan rate versus the post-tax return, when the ₹2 lakh interest deduction matters and when it does not, the rule on prepayment charges, and a worked ₹5 lakh example.
Pre-EMI or full EMI on an under-construction flat: what 'pay later' costs on an ₹80 lakh loan
Interest-only payments during construction keep early outgo low but clear no principal. We work out an ₹80 lakh loan three ways, show what each costs in total interest and years, how delay and the ₹2 lakh tax cap change the picture, and what to ask your bank.