home loan

Hello everyone, I need your assistance regarding an investment issue involving a plot of land sold to me by an LIC agent. I previously discussed this situation with an chatgpt, which provided some suggestions. I would greatly appreciate your review and guidance on how to proceed. Thank you. Home...

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...