Tax Planning Guide · 2026 Edition Home LoanTax Benefits — Section 24 & 80C Rs 2 lakh interest deduction, Rs 1.5 lakh principal under 80C, joint home loan doubling, under-construction pre-EMI rules, and how to maximise total home loan tax saving in India. ₹2 LakhMax Interest Deduction (Section 24) ₹1.5 LakhPrincipal Deduction (Section 80C) ₹1.05LMax…
Home Loan Guide · 2026 Edition Home Loan Hidden Charges— What Banks Won’t Tell You Processing fees, MODT, conversion charges, insurance bundling, and prepayment traps — every hidden cost decoded so you know the true price of your home loan. 0.25–1%Processing Fee Range 0% PenaltyFloating Rate Prepayment (RBI Rule) ₹50K+Typical Hidden Cost on ₹60L Loan…
Borrowing Guide · 2026 Edition Personal Loan vs Credit Card —Which Should You Choose? Interest rates compared, ideal use cases, credit score impact, and when switching from credit card debt to personal loan saves thousands in interest. 36–42%Credit Card Revolving Interest 10–18%Personal Loan Interest Rate 0%Credit Card if Paid by Due Date The Fundamental Difference…
Home Loan Guide · 2026 Edition Home Loan Tenure —How to Choose the Right Period Short vs long tenure compared on EMI, total interest, and tax benefits — plus when prepaying makes more sense than investing the surplus. 30 YearsMaximum Tenure Available 40%Max EMI-to-Income Ratio ₹42.5LExtra Interest: 20yr vs 30yr Loan Why Tenure Is Your…
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