Home Loan interest &rincple

RBI Rules on Home Loan Prepayment 2026: What Every Borrower Must Know?

The Core Rule No bank, NBFC, or housing finance company can charge prepayment or foreclosure penalties on floating-rate home loans taken by individual borrowers. This applies to partial prepayments, full foreclosures, and balance transfers — regardless of the funding source or co-borrowers. Enforced since 2012; comprehensively reinforced via the RBI (Pre-payment Charges on Loans) Directions, 2025, effective […]

RBI Rules on Home Loan Prepayment 2026: What Every Borrower Must Know? Read More »

5 Smart Strategies to Reduce Your Home Loan Interest in India and Accelerate Ownership

If you’re already on a floating-rate home loan in India, you’ve probably felt the pinch of rate resets. The fastest way to reduce the total interest you’ll pay—and own your home sooner—is to treat refinancing as a disciplined, numbers-first project. Below are five proven strategies built for existing floating-rate borrowers, with practical math, checklists, and

5 Smart Strategies to Reduce Your Home Loan Interest in India and Accelerate Ownership 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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