Vol. 02 — Guides & Articles
Practical guides to help Indian home buyers understand EMI, prepayment, interest rates, and get the most out of their home loan.
Interest Rates·16 May 2026·4 min read
Fixed rate locks your EMI but costs more upfront. Floating rate tracks RBI repo rate changes and is cheaper when rates fall. Here is how to decide based on your loan size, tenure, and rate outlook.
fixed ratefloating rateMCLRrepo rate
Prepayment·16 May 2026·4 min read
Deciding how much to prepay on your home loan depends on your interest rate, investment returns, tax bracket, and emergency fund. This guide gives you a clear decision framework.
prepaymenthome loan strategylump suminvestment vs prepayment
Prepayment·16 May 2026·2 min read
After making a lump-sum prepayment on your home loan, your bank offers two options: reduce your monthly EMI or reduce your loan tenure. This guide explains which saves more interest and when to choose each.
prepaymentreduce EMIreduce tenurehome loan strategy
Balance Transfer·16 May 2026·3 min read
A balance transfer saves money only if the interest savings exceed the switching costs. This guide explains exactly how to calculate break-even, what to watch out for, and when to walk away.
balance transferrefinancehome loaninterest rate
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