Articles & guides
What we would tell a friend, written down. Real numbers with their sources, updated when the numbers change, and a straight answer in the first paragraph so you do not have to scroll for it.
Encumbrance Certificate Explained: What It Shows and Misses
An EC is a registered-record search, not a complete title guarantee. Combine it with court, land and authority checks.
27 Sep 2026 · 1 min read
NRI Property Purchase and Sale Rules in India
NRIs can generally buy residential or commercial property through permitted channels; agricultural property is restricted.
27 Sep 2026 · 1 min read
Home Loan Interest Rates 2026: Fixed vs Floating
Compare fixed and floating home loans through APR, benchmark, spread, reset clauses, fees and prepayment terms.
27 Sep 2026 · 1 min read
How Much Home Loan Can I Get on My Salary?
Work backwards from a safe EMI using take-home income, essential costs, existing debt and a rate buffer.
27 Sep 2026 · 1 min read
Home Loan Eligibility Explained: Income, Credit and Property Checks
Eligibility depends on income, debt, age, credit, down payment, co-applicant and the property itself.
27 Sep 2026 · 1 min read
Home Loan Prepayment vs Investing: How to Decide
Compare the relatively certain interest saving from prepayment with uncertain post-tax investment returns and liquidity needs.
27 Sep 2026 · 1 min read
Home Loan Balance Transfer: When Is It Worth It?
Calculate total future savings after every transfer cost and confirm the break-even period before switching lenders.
27 Sep 2026 · 1 min read
Joint Home Loan: Benefits, Tax Rules and Risks
Combined income may improve eligibility, but every borrower takes real repayment and credit risk.
27 Sep 2026 · 2 min read
Credit Score Required for a Home Loan in India
No RBI rule sets one universal minimum score; lenders assess the full borrower and property profile.
27 Sep 2026 · 1 min read