Choosing the right Home Loan Tenure can save you lakhs in interest and years of financial stress, yet many borrowers decide in minutes. Lenders offer multiple options, but the real question is whether a shorter 15-year term or a longer 30-year term fits your income, goals, and risk appetite. This guide breaks down how tenure […]
Home Loan Tenure: Is 15 Years Better Than 30 Years? Read More »
Last Updated: May 2026 | Reading Time: 9 minutes You need ₹5 lakhs. Maybe for your daughter’s wedding. Or a medical emergency. Or that home renovation you’ve been postponing. Or to consolidate three credit card debts that are bleeding you with 36% interest. You have two clear options: take a personal loan at 14% interest
Deciding what to do with extra money is one of the most important financial choices you will make. If you have a home loan, the big question is whether home loan prepayment will put you ahead, or if investing that money can create more long-term wealth for you. This guide breaks down the key factors,
Should You Prepay Your Home Loan or Invest Your Money? Read More »
Last Updated: May 2026 | Reading Time: 9 minutes You’ve found the perfect plot of land in your hometown. Or you’ve inherited a piece of ancestral property and want to build your dream house on it. Or maybe you’ve got an empty plot purchased years ago, and now construction is finally on the cards. You
Last Updated: May 2026 | Reading Time: 9 minutes If you’re a home loan borrower in India, your monthly EMI is no longer in your control. It’s determined every two months by 6 people sitting in a room at the Reserve Bank of India headquarters in Mumbai — the Monetary Policy Committee (MPC) — who
Last Updated: May 2026 | Reading Time: 9 minutes It’s 11 PM. You’ve just realized your home loan EMI bounced this morning because your salary credit got delayed. Your phone is already buzzing with automated SMSes from the bank. Tomorrow morning, the calls will start. Within a week, threatening letters will arrive in your mailbox.
Last Updated: May 2026 | Reading Time: 8 minutes You’ve negotiated the property price down to ₹50 lakh. The bank has sanctioned ₹40 lakh. You’re feeling good about the deal — until the registration office hands you the actual bill. Suddenly you’re looking at an additional ₹6-10 lakh in charges you barely knew existed. Stamp
Last Updated: May 2026 | Reading Time: 7 minutes If you’re a woman planning to buy a home in India this year, here’s something most banks won’t tell you upfront: you can legally save up to ₹4 lakh on a single home loan, just because of your gender. From interest rate concessions to stamp duty
A client improved from 680 to 735 in 8 months — it moved them from 9.5% to 8.75% on a ₹45 lakh home loan. That is ₹4.2 lakhs saved over the loan’s life. The 8-month wait and discipline required zero additional money. That return rivals what most investments offer over the same period. Your CIBIL
CIBIL Score for Home Loan 2026: What Score You Need and How It Affects Your Rate Read More »
At Axis Bank, I reviewed credit files for 15+ years. The patterns that separate 600 and 750+ scorers are very specific and very fixable. It is almost never about income or career — it is about six to eight behavioural habits, consistently applied for 6–12 months. Your CIBIL score is the single most important number
How to Improve Your CIBIL Score from 600 to 750+ in 6–12 Months Read More »
At SS Finadvisory, we believe loans shouldn’t just be taken — they should be mastered. Founded by Somnath Sarkar, a seasoned finance professional with over two decades of experience
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