Guides
In-depth walkthroughs with worked examples and diagrams for every major home loan decision.
How Your Home Loan EMI Is Actually Calculated
A simple, no-formula-anxiety explanation of what your EMI is made of, why early payments are mostly interest, and how to see this play out for your own loan.
Old vs New Tax Regime: What It Means for Home Loan Borrowers
Why a home loan can make the old tax regime worth a second look, explained with a plain worked example — and why the right answer depends on your own numbers.
Should You Prepay Your Home Loan or Invest the Money Instead?
A simple side-by-side way to think about extra cash: pay down your loan faster, or invest it and let it grow. Worked through with real numbers, not just a rule of thumb.
How Much Home Loan Can You Actually Afford?
A plain-language walkthrough of how lenders think about affordability, and a simple way to estimate your own comfortable loan amount before you start house-hunting.
When Refinancing Your Home Loan Is (and Isn't) Worth It
Refinancing to a lower rate isn't automatically a good idea once you count the costs. Here's the one number — the breakeven point — that actually answers the question.
Fixed vs Floating Home Loan Interest Rates: What a Rate Change Actually Costs
Floating rates move with the market, for better or worse. A worked example shows exactly what happens to your EMI and total interest when the rate moves against you.
4 Home Loan Myths That Cost Borrowers Money
From "a longer tenure means I pay less" to "the lowest advertised rate is always the best deal" — common assumptions that don't hold up, and what's true instead.
6 Habits of Borrowers Who Pay the Least Interest
None of these require refinancing or a windfall — small, practical habits that meaningfully reduce what a home loan costs over its lifetime.