mortgage
Here are the main factors that commonly disqualify someone from getting a home equity loan (a lump-sum second mortgage secured by your home). Lenders assess risk based on your ability to repay and the collateral value of your home, so these are the most frequent reasons for denial. Read More – What is a Home … Read more
Simple Explanation: Equity = Current market value of your home − What you still owe on your mortgage. Example:If your home is worth ₹80 lakhs and you owe ₹50 lakhs on your mortgage,your home equity = ₹30 lakhs. A home equity loan lets you borrow a portion of that ₹30 lakhs (say ₹10–20 lakhs) as … Read more
Here are the current home loan (mortgage) interest rates in major Indian banks and housing finance companies as of April 2026. Rates are mostly floating and start from the lowest indicative levels for salaried applicants with good credit scores (typically 750+ CIBIL). Actual rates you get will depend on: Read More – How to get … Read more
To get pre-approved for a home loan (also called a mortgage loan in India), you need an in-principle approval (or pre-sanction) from a bank or housing finance company (HFC). This approval is based on your income, creditworthiness, and financial profile — not on a specific property yet. It gives you a clear idea of how … Read more