home loan

Hey everyone, I’m in the process of finalising my home loan and could really use some advice from those who’ve been through this recently. I earn around ₹2.5 L per month (salaried), and I’m buying a property where the builder has tie-ups with SBI, HDFC, and Axis Bank. Out of these, SBI is...

What Is an Encumbrance Certificate? An Encumbrance Certificate is a legal document issued by the Sub-Registrar’s Office (SRO) or the state's Registration & Stamps Department. It lists all registered transactions—like sales, mortgages, leases—on a property during a specified period. Why it...

Hi everyone, I’ve been dealing with a frustrating issue related to my home loan with Axis Bank. According to the loan agreement, repo rate changes are supposed to be passed on only during fixed quarterly reset dates — 25th March, June, September, and December. The bank has used this clause to...

I am writing to seek clarification regarding the interest rate revisions applied to my home loan. I availed a home loan of ₹26,86,000, which was disbursed on 31st January 2025 at an initial interest rate of 8.6%. At the time, the RBI repo rate was 6.5%, and the spread applied by the bank was...

Is home loan also included in credit utilisation, I had a home loan and obviously I had disbursed 100% amount, now in my CIBIL report it's showing as 100% credit utilised which is adversely impacting my credit score what to do???

I purchase. A plot and applied a loan from bob and they granted a plot + construction loan construction timeline is 3 years I want to know that if I paid the loan before 3 years and not doing any construction so is there any penalty

I have some credit lines like UNI PAYCHECK, Simple, lazypay. This credit lines are showing in my cibil report as a loan. Will this affect if I go to apply any loan in future? Like my loan application will reject because of this?

I have taken a home loan of 5 lack form Au Small finance bank and i have paid it . Now I want to take a new home loan of 10 lack rupees so what options available for me and how much interest rate i can get . I don't file ITR . I am self employed

Hi, I'm 29F living outside of India. I am planning to buy a property in India which will be co owned by me and my mom. I moved outside India 4 years ago and have a good cibil score here. Will I be able to get competitive ROI ? The property I am planning to buy is under SBI Swamih fund, so I am...

In one of the much older posts, I saw a comment that Bank of Baroda was offering 8.15% home loan interest rate for government employees. I reached out to them, but that doesnt seem to be the case. They dont offer any special concessions as such. The lowest they currently offer is 8.40%. Are...