Before You Build or Buy · FinanceVolume 1 · Issue 2 · July 2026
Explain & guide
Home Finance, Demystified
A home loan is decades of your income — small differences in rate, tenure and tax compound into lakhs. This 14-guide library explains the whole journey in plain language: how loans work, who qualifies, the documents, the right loan for your path, and how to save with tax, PMAY and prepayment. We explain it; your rate, eligibility and EMI come from the lender, and tax specifics from a CA.
How Home Loans Work in India: The Full Journey from Apply to EMI (2026)
How do home loans work in India? A home loan is secured against the property. Understand the players, key terms, reducing-balance interest, how EMI splits into interest and principal, and the apply-to-disbursement steps. Your actual rate and eligibility come from the bank - this is not financial advice.
Read itUnderstand the loan
Types & interest
Loan types01Types of Home Loans in India: Purchase, Plot, Construction, Renovation and More (2026)
What are the types of home loans in India? A plain map by purpose - purchase, plot, construction, renovation, extension, composite, balance transfer, top-up, NRI and bridge loans - with LTV and tenure differences and a comparison table. Confirm rates and eligibility with your lender.
Fixed vs floating02Fixed vs Floating Interest Rate on a Home Loan in India (2026)
Should your home loan interest be fixed or floating? Learn how each structure works under the RBI repo-linked (EBLR) regime, what happens to your EMI versus tenure when rates rise, and how to decide which suits your risk appetite.
Qualify & apply
Eligibility, CIBIL, documents, down payment
Eligibility03Home Loan Eligibility Explained: How Much Loan Can You Get in India (2026)
How much home loan can you get in India? Lenders weigh your income against a FOIR or EMI-to-income cap, plus your age, tenure, credit score, existing debts, employment type, a co-applicant, and the property value and LTV. This explainer shows what drives the number and how to improve it.
CIBIL04CIBIL Score for Home Loan: Credit Score Explained (India, 2026)
Your credit score is a lender's shorthand for how reliably you repay. Learn what it is, the bands lenders read, what moves it, how to check yours free, how to improve it, and the myths to ignore before applying for a home loan.
Documents05Home Loan Documents Checklist (India): The Complete List (2026)
The complete home loan documents checklist for India - KYC, income proof for salaried versus self-employed, property papers and the loan forms. Learn why each is needed and assemble a clean file before you apply. Indicative only - the lender's list is final.
Down payment06Home Loan Down Payment Planning in India (2026)
Lenders fund only a portion of a home, so a down payment is compulsory - and the loan skips stamp duty, registration, GST, parking and interiors too. Learn how LTV works, how much to save, and why borrowing for the down payment is a warning sign.
The right loan for your path
Plot, construction & joint
Plot vs home07Plot Loan vs Home Loan (India): LTV, Tenure, Tax and the Composite Loan Explained (2026)
Buying land? A plot loan funds only the land - lower loan-to-value, shorter tenure, approved residential plots only, often a build-within-N-years clause, and usually no tax benefit unless you build. Compare plot loan, home loan and the composite loan. Terms from your lender; tax with a CA.
Construction loan08Home Construction Loan for Self-Build in India: Stage-Wise Disbursement, Pre-EMI and Moratorium Explained (2026)
How does a home construction loan work when you build on your own plot? The bank releases money in tranches tied to milestones, you pay pre-EMI on drawn amounts during the build, then full EMI after completion. Confirm terms, rate and eligibility with your bank.
Joint loan09Joint Home Loan in India: Co-Applicant, Co-Owner and Tax (2026)
A joint home loan adds a co-applicant to boost eligibility and can let each co-owner claim tax deductions separately. Learn the co-applicant vs co-owner distinction, the shared liability, and what to weigh before you sign.
Save on it
Tax, PMAY, prepayment & transfer
Tax benefits10Home Loan Tax Benefits - Section 80C and 24(b) in India (2026)
A home loan can unlock income-tax deductions on principal (Section 80C), interest (Section 24b), stamp duty and first-time-buyer benefits (80EE/80EEA). Learn how each works for a self-occupied vs let-out home - then confirm the current limits and your eligibility with a CA.
PMAY11PMAY Home Loan Subsidy Explained: Credit-Linked Help for First-Home Buyers (2026)
How the Pradhan Mantri Awas Yojana interest subsidy works on a home loan, who the income categories are for, urban versus rural, eligibility conditions, and how to apply through your lender. Scheme rules and slabs change, so confirm current eligibility on the official portal.
Prepayment12Home Loan Prepayment and Foreclosure in India: A Plain Guide (2026)
How home loan prepayment and foreclosure work in India: part-prepayment versus closing the loan, whether to cut EMI or tenure, why prepaying early saves the most interest, penalty rules, and the prepay-versus-invest trade-off. Indicative and not financial advice.
Balance transfer13Home Loan Balance Transfer in India: When Refinancing to a Lower Rate Is Worth It (2026)
A balance transfer moves your outstanding home loan to a new lender for a lower rate. Learn to run the break-even against switching costs, weigh the top-up option, follow the process, and know when to just ask your current bank to re-price instead.
Run your numbers — the finance tools
EMI Calculator
Your monthly EMI, and how it splits into interest and principal.
Loan Eligibility Calculator
An indicative loan amount from your income and obligations.
Loan Affordability
How much home your budget can comfortably support.
Tax Benefit Calculator
Indicative tax saved under 80C, 24(b) and 80EEA, old vs new regime.
Prepayment Calculator
Interest and tenure saved by a lump-sum prepayment.
PMAY Subsidy Calculator
An illustrative value of a credit-linked interest subsidy.
Rent vs Buy Calculator
Which builds more wealth over your horizon — renting or buying.
Stamp Duty Calculator
Indicative stamp duty and registration on the purchase.