Should home buyers use any accumulated surplus funds to prepay their home loans? We examine how to arrive at this decision and how to go about prepaying a home loan

Banks may reject a home loan application, for a variety of reasons. However, by following these simple steps, you can improve your chances of getting a loan even after it is rejected the first time

We look at seven crucial aspects that home seekers should guard against, while availing home loans, to ensure that their borrowing does not turn into a burden in due course

There are various ways in which home buyers can raise the margin money, which can vary from 10% to 25%, depending on the loan amount

Banks may reject your home loan application outright, or give you a much smaller loan than you expected, for several reasons. Be aware of these reasons, to get your loan smoothly

In a bid to ensure greater transparency and faster transmission of policy rate changes to end-user borrowers, the RBI is contemplating using external benchmarks for lending rates. We examine the options available and how such a move could benefit home loan seekers

While deciding on a home loan application, the lender is primarily interested in ascertaining whether the applicant can service the loan each month

With banks and housing finance companies starting to increase their marginal cost of funds-based lending rates, we look at the options available to home loan borrowers, to reduce the EMI burden

How long should a home owner hold his/her residential house, before selling it? We look at the income tax implications pertaining to capital gains, as well as home loans vis-à-vis the holding period