Home loan guides
These guides cover the home loan choices that cost or save real money. Each one works through an example with real numbers and links to a calculator for your own loan. The topics are tax benefits on your EMI, prepaying versus investing, moving your loan to another bank, and how the RBI repo rate changes your payment. Each guide is about 700 words. Use them to ask your bank better questions. For a decision about your own tax or loan, talk to a tax professional or your lender. Rules and rates change, so check the date at the top of each guide.
- Home Loan Tax Benefits: Sections 80C and 24(b)
How much tax your home loan can save under Sections 80C and 24(b), who can claim it, and a worked example on a 50 lakh loan.
Updated 2026-10-26
- Prepay Your Home Loan or Invest? A Simple Way to Decide
Should spare cash go to prepaying your home loan or into investments? A worked example on a 50 lakh loan and a simple rule to decide.
Updated 2026-10-26
- Home Loan Balance Transfer: When It Pays Off
How a home loan balance transfer works, what it costs, and a worked example showing when switching banks saves money.
Updated 2026-10-26
- How the RBI Repo Rate Changes Your Home Loan EMI
What the repo rate is, how banks pass changes on to your floating-rate home loan, and a worked example of what a 0.25% change does to your EMI.
Updated 2026-10-26
Common questions
- Are these guides financial advice?
- No. They are general information with simple examples. Check current rules and speak to a qualified adviser for your own case.
- How often are the guides updated?
- Each guide shows the date it was last updated. We review them when tax rules or RBI policy change.
- Can I try the examples with my own numbers?
- Yes. Every guide links to the matching calculator where you can enter your own loan.