Loan & EMI Insights
Strategy, rates, and practical guides to take the pain out of your loan decisions.
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Page 2 of 5 — 60 articles total
Why Loan Applications Get Rejected in India — 11 Reasons and How to Fix Each
Lenders rarely tell you why. Most rejections trace to four fixable causes — FOIR, credit history, documentation and property title. Here is how to diagnose yours, and why reapplying immediately makes it worse.
Loan Settlement vs Closure — Why "Settled" Costs 4x What It Saves
Settling a ₹5 lakh loan for ₹3 lakh looks like saving ₹2 lakh. The "settled" tag on your credit report can cost ₹7.7 lakh in extra interest on your next home loan alone. Here is the arithmetic, and how to undo it.
Personal Loan for Self-Employed in India 2026 — Eligibility, Rates and Documents
Lenders assess your net profit after depreciation, not your turnover — which is why a ₹40 lakh business can support a smaller loan than a ₹12 lakh salary. Here is how the assessment works and how to present your file properly.
RBI Holds Repo Rate at 5.25% — August 2026 MPC Decision and What Borrowers Should Do
The RBI MPC left the repo rate unchanged at 5.25% on August 7, 2026 — its fourth consecutive pause — citing rising-but-not-broad-based inflation and geopolitical uncertainty. Here is what this means for your home loan EMI and the strategic moves to make right now.
HRA and Home Loan Tax Benefit: Can You Claim Both in 2026?
Yes — you can legally claim HRA exemption and home loan deductions simultaneously in three specific situations. See the exact rules, a fully verified ₹1.52 lakh tax-saving example, and the one scenario where it is explicitly disallowed.
Plot Loan India 2026 — Rates, Tax Rules & Differences from Home Loan
Plot loans cost 0.5–1.5% more than home loans, cap at 15 years, and deny Section 24(b) tax relief until you build. Everything you need to know before buying land.
Used Car Loan India 2026 — Interest Rates, Eligibility & EMI Guide
Used car loans cost 13–20% p.a. vs 9–11% for new cars. This guide breaks down how car age drives rates, how LTV valuation works, and what your true EMI will be.
Home Loan Application Process India 2026 — Step-by-Step Guide
Complete home loan process guide — from CIBIL check to disbursement, with timelines, document lists, and what to watch at each stage in India.
Home Loan Eligibility by Salary India 2026 — FOIR-Based Guide
Discover exactly how much home loan you can get on any salary from ₹25,000 to ₹1.5 lakh per month, using the FOIR formula banks actually apply in 2026.
Home Loan Insurance HLPP India 2026 — Is It Worth It?
HLPP protects your lender, not your family — a ₹1 crore term plan at ₹10,000/year covers more and costs less. Here is when to take HLPP and when to decline.
Loan Against Property (LAP) Guide 2026 — Rates, Eligibility & EMI
LAP lets you borrow ₹50–70 lakh against property at 9–12% — far cheaper than personal loans, but the wrong use can cost you your home. Complete 2026 guide.
Personal Loan Balance Transfer 2026 — Lower EMI & Save Interest
A personal loan balance transfer at 5% lower rate on ₹5 lakh saves ₹44,244 in 3 years — this guide shows exactly when and how to do it.