Latest from Ekatra
Explore our latest articles, insights, and guides to master your home loan.
Home Loan Tax Benefits in 2026: What the New Regime Killed
Section 24(b), 80C and the new tax regime: which home loan tax benefits survive in FY 2025-26 and FY 2026-27, with the break-even math banks won't show you.
Stamp Duty & Registration Charges 2026: 7 Metro Cities Compared
Stamp duty and registration charges for 2026 across Mumbai, Pune, Bengaluru, Hyderabad, Delhi, Chennai and Gurgaon — with worked examples on a ₹1 crore home.
Is Home Loan Insurance Mandatory in India? The RBI Rules (2026)
No — home loan insurance is not mandatory in India. What RBI rules say about forced bundling, the one insurance banks can require, and when HLPP is worth it.
Home Loan Documents Required in India (2026): Full Checklist
The complete 2026 checklist of home loan documents in India — for salaried, self-employed and NRI applicants, plus the property papers banks actually verify.
How to Reduce Home Loan EMI Without Extending Your Tenure
Real vs cosmetic EMI reduction: how refinancing, rate negotiation, and MCLR-to-EBLR conversion actually cut your home loan EMI — without extending your tenure.
How to Reduce Your Home Loan Interest Rate Without Switching Banks
How to negotiate a lower home loan interest rate with your existing bank: the retention-desk playbook, the one document that works, and ₹3–8 lakh saved.
FOIR: Full Form, Formula & How to Improve Loan Eligibility
FOIR (Fixed Obligation to Income Ratio) decides your loan approval. Learn the FOIR full form, formula, ideal ratio & how to improve your loan eligibility.
Home Loan Rejection Reasons in India: 5 Causes & Fixes (2026)
The 5 most common home loan rejection reasons in India — low CIBIL, high FOIR, job instability, document errors — and how to fix each before you reapply.
Fixed vs Floating Interest Rate for Home Loans in India (2026)
Fixed vs floating home loan interest rates in India (2026): rate ranges, prepayment rules, a side-by-side comparison, and which one fits your profile.
What is a CIBIL Score? Meaning, Range & Impact on Your Home Loan
What is a CIBIL score? The 300–900 range explained, what counts as a good score, and how banks use it to set your home loan rate and eligibility in 2026.
How to Get a Home Loan in India: The Complete 2026 Guide
How to get a home loan in India, start to finish: eligibility, CIBIL, documents, sanction-letter negotiation — and the 10 mistakes that cost lakhs.
Indian Home Loan Glossary (2026): Every Term Banks Won't Explain
Every home loan term explained in plain language — MCLR, EBLR, FOIR, MOD, CERSAI, APF — and what each one does to your money before you sign.
Home Loan Balance Transfer in India (2026): The Complete Guide
The honest 2026 guide to home loan balance transfer in India: real break-even math, the switching costs calculators hide, and when not to switch.