home loan

We have recently bought an under construction flat and have two home loan quotes from BoM and BoI respectively. It's our first experience with both home and loans, would appreciate some feedback from the community in helping choose the lender. Both are offering 7.5% interest rate based on our...

I am planning to make a part pre-payment on my home loan and would like to adjust the monthly EMI based on the reduced principal balance after the payment. However, the bank official informed me that adjusting the EMI in this way would be reported as a “loan rescheduled” entry in CIBIL...

Hi, I have a home loan of (say 1 cr). Suppose 70L got disbursed and I pre-paid 30L. The current EMI is around 1 lakh. (Since on last disbursement, I asked to keep tenure constant) Hence high EMI for remaining tenure of 4 years. Now for the next disbursement, (Around 7L) I want the EMI to be...

Hi, I'm looking for suggestions for home loan basis the experience of this forum. Which one would you recommend? HDFC, Bajaj Housing, BoB are some option I've in mind. ROI might be similar across - any other pointers this community can share to take a decision Some points I have in mind 1. ROI...

What is your home loan interrwt rate after rbi rate cut Mine Hdfc 7.45%

Hi all members of technofino, I've some doubts reg home loan if you could help with them please. Primary goal: to understand the expected current prevalent & future ROI on hdfc home loan I've been looking at technofino & reddit threads for the same topic, but even the latest thread I see is...

Best debit to pay Home Loan in June 2025

say applicant does not have stable income and cibil is 750 and Co Applicant has stable income with cibil 800+ Will the bank still issue home loan at 7.9 interest?

2 years back I purchased a construction-linked flat in Noida for which I availed a loan from Kotak Bank. In said loan, Kotak made me, my wife and my firm (an LLP) a co-borrower, Now 2 years later, I have discontinued business in the LLP and have instead shifted business to a proprietorship. I...

Hi guys, I closed my home loan in Oct-24 but noticed that CIBIL reports it open till date. So i raised a disputed and got it closed. But all of a sudden my CIBIL dropped from 792 to 783. Is there anything that i can do? how much time will it take to increase this back? Thank you

Hi, In one of the recent videos by Sumanta Da, he mentioned about paying off a part of his home loan EMI using reward points. How does one do it?

Hey Community, I need Help/ Information regarding Home Loan Rate of Interest Reduction Charges Charged by ICICI Home Finance, Currently i have Ongoing Home Loan with ICICI HFC, i requested for ROI Reduction, they said I'm eligible for 0.35% ROI reduction from Current ROI, for Reduction i need...

1. Hi, How and when is the home loan interest changes for ICICI bank? RBI has decreased the repo rate twice however the loan interest has not changed yet for me for the last repo changes. 2. Does it reduce the tenure or it reduces the EMI amount?

I have a joint home loan and even though the emi amount was auto debited as usual it was marked a delayed payment. I have reported on CIBIL. (I'm not sure if this is relevant info so here - when asked for my bank details I wasn't sure which to provide so I gave the details of the account the...

Hi Guys, I need some suggestions. My brother took an add-on credit card under my name but didn’t pay his bill on time, resulting in 27 late payments. Eventually, he settled the outstanding amount through a settlement. Later, I realized I was listed as an authorized user on that card, and now...

My Spouse(F) having home loan with her mother at SBI branch from last 3 years. Initial interest was 6.9% due to various offers like women only, first property and cibil . the interest rate got increased to 9.3. But after latest repo rate reduction , it is still at 9.05. As per some information...

I have availed the Bank of India's smart home loan (SBI Maxgain type OD based loan) at a very good ROI of 8.4% When I log into the account, there is no way to see the details of the loan. I would like to see the split-up of the interest vs principal in the EMI. I am also not able to see any...

Had my HDFC loan sanctioned and ready but seeing the negative reviews I switched to ICICI. But yeah they have their own problems. ICICI needs me to close my 3 credit cards - Regalia gold, tata neu infinity, axis rewards. I don't mind the regalia and axis closure those are shxt cards. But I am...

I have a loan with SBI. I am currently on pre-emi that is during this period only interest is charged. Recently, i did a pre-payment and it went smoothly. After couple of days i realised that EMI is not deducted. Upon checking with customer care I found that SBI used some part of that...

I have an offer for a standalone building in 9 cent which has 10 flats priced at 2.5Cr, bringing the total cost to 2.8Cr after registration. The rental income is expected to be around 1 lakh per month. I have 1.5Cr in my bank account and plan to take a loan for the remaining 1.3Cr, with an EMI...