Buying a Home
Documents to Check Before Buying a Property in India
A practical checklist of the papers to verify before you pay token money on a flat, house or plot in India, and what each document actually proves.
Know the property before you pay for it.
Plain-language guides on documents, home loans, RERA and construction costs for people buying, building or owning a home in India.
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Government Schemes
PMAY-Urban 2.0 Interest Subsidy: Who Qualifies and How to Apply
A clear guide to the PMAY-Urban 2.0 home loan interest subsidy: income limits, loan and house value caps, how much subsidy you can get and how to apply on the portal.
Taxes and Costs
Home Loan Tax Benefits in India: Interest and Principal Deductions
How much tax you can save on a home loan in India, what changed with the Income-tax Act, 2025, how the old and new tax regimes differ, and a worked example.
Home Loans
Fixed vs Floating Home Loan Interest Rate: Which One Should You Choose?
How fixed and floating home loan rates work in India, what the repo rate has to do with your EMI, and how to decide which suits you, with a rate-rise example.
Buying a Home
Hidden Costs of Buying a Flat in India: A Complete Checklist
The advertised price is only the start. Learn every extra cost when buying a flat in India, from GST and stamp duty to parking and deposits, with a worked example.
Home Loans
Home Loan Eligibility: How Banks Decide How Much to Lend You
How banks calculate your home loan eligibility, from income and existing EMIs to credit score and loan-to-value limits, with a worked example you can repeat yourself.
Home Loans
How Home Loan EMI Is Calculated, With a Worked Example
The formula behind your home loan EMI, a full worked example with real numbers, and how rate and tenure change the interest you pay over the life of the loan.