30 guides on property, loans and home ownership.
Understand the difference between an occupancy certificate and a completion certificate, why both matter before you take possession, and what can go wrong if the builder has not obtained them.
Understand the difference between a sale deed, agreement to sell, general power of attorney and will, which of them transfers ownership in India and which are risky to rely on.
Learn what an encumbrance certificate is, what it proves and does not prove, how to apply for one including in Bihar, and how to read it before you buy property or take a loan.
Understand what stamp duty is, how it is calculated on property in India, how circle rates affect it, how to find your state's current rate and ways to avoid overpaying legally.
A clear step-by-step guide to registering a property in India, from stamp duty and drafting the deed to the sub-registrar visit, with documents, common mistakes and what to do after.
Compare home loan insurance (loan protection) with a regular term plan, covering cost, cover amount, portability and claims, so you choose the right protection for your home loan.
Should you use spare money to prepay your home loan or invest it? Compare the guaranteed saving with uncertain returns using a worked example, and use a simple decision checklist.
A practical guide to understanding and improving your CIBIL score before a home loan application, including how to read your report, fix errors and avoid common mistakes.
A complete checklist of documents for a home loan in India and a clear walkthrough of the approval stages, from application to sanction, agreement and disbursement.