Home loan interest rates: what actually decides yours
Two people can walk into the same bank on the same day and be quoted rates half a percent apart. Here is what moves the number, and which parts of it you can change.
Updated August 2026 Read
Guides
The things we end up explaining on every call
Written properly, so you can read them before you ring us. No sales pitch, and we say plainly where the answer is “it depends” or “ask an accountant”.
How to improve your CIBIL score before applying
A score above 750 gets you the best rate available. Below 700 the options narrow fast. Here is what actually moves the number, and how long each thing takes.
Updated August 2026 Read
Home loan tax benefits, and why many people now get none
Section 80C, Section 24(b) and the rest are real — but only under the old tax regime. If you have moved to the new regime, the maths on your home loan changed.
Updated August 2026 Read
Balance transfer: when moving your loan is worth it, and when it is not
Switching to a lower rate can save several lakh rupees. It can also cost more than it saves. The deciding number is not the rate gap — it is the break-even.
Updated August 2026 Read
No guides under that heading yet.