Home Loan India — Complete Guide for Indian Borrowers

A home loan is the largest single financial commitment most Indian families ever make. Every percentage point of interest, every prepayment decision, and every clause in the sanction letter compounds across 20 to 30 years. This hub indexes every home loan article on Finance Guided, organized by borrower decision, written for Indian buyers and existing EMI-payers, and verified against RBI Master Directions on housing finance and Indian Banks' Association guidelines.

Written and maintained by Dinesh Kumar S — B.Sc. Mathematics, M.Sc. IT, University of Madras. 5+ years in accounts, GST, and audit support at a Chennai-based IT services company. No commissions. No product sales. Last updated: 8 May 2026.

Start Here: The Foundation Article

If you read only one article on home loans, this is the one. Most existing borrowers in India are paying 50 to 200 basis points more interest than they need to, and the balance transfer math is almost always in their favour — but only after the break-even calculation works.

Home Loan Balance Transfer India — When It Saves Money (Break-Even Formula) →

The exact break-even formula including processing fees, the rate gap that justifies the move, and the documents new lenders ask for in the takeover process.

All Home Loan Articles, Organized by Decision

Prepayment vs Investment

Home Loan Prepayment vs SIP India — Real Rupee Math — The post-tax-adjusted comparison most borrowers get wrong, with worked examples at 8.5%, 9%, and 9.5% home loan rates against equity SIP returns.

Worst-Case Scenarios — Borrower Death and Insurance

Home Loan Borrower Dies India — Bank Claim and Insurance Process — How banks handle outstanding loans when the primary borrower dies, what happens to the co-borrower's liability, and how home loan protection insurance actually pays out.

Home Loan India — Complete Guide for Indian Borrowers