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Down Payment for a Home Loan in India: How Much in 2026
The bank approved 90% financing, so why does your lender still want lakhs more in cash than the 10% deposit you budgeted for?
How Much to Save Before Buying Your First Home in India
You saved diligently for the down payment, and then the stamp duty, registration and moving bills arrived on top of it.
Rent vs Buy a Home in India: The 2026 Break-Even Math
The rent-vs-buy decision isn't a feeling, it's a break-even year — here's how to compute yours with real EMI, deposit and rent-growth numbers.
Save Your Home Down Payment in 2 Years: A Month-by-Month Plan
A 24-month, checkpoint-driven plan for saving a home down payment in India, with real monthly targets and a catch-up strategy when you fall behind.
Safe EMI-to-Income Ratio Before You Commit to a Home
Your bank says you qualify for a bigger EMI than you're comfortable with — here's the 40% ceiling, the FOIR math behind it, and how to protect yourself from a rate-shock surprise.
Budgeting for a 30 Lakh First Flat: Down Payment and EMI
A 30 lakh flat looks like a 3 lakh down payment on paper, but stamp duty, registration and a furnishing buffer usually push the real cash you need closer to 5-6 lakh.
Budgeting for a 50 Lakh Home: Cash You Actually Need
At 50 lakh, the loan-to-value band shifts against you — here's the full cash picture beyond the 10% down payment most first-time buyers plan for.
Planning a 1 Crore Home: Down Payment and Monthly Outgo
At 1 crore the loan-to-value ceiling drops to 75 percent, the deposit alone crosses 25 lakh, and the real monthly outgo runs well past the EMI once maintenance and property tax are added.
Bigger Down Payment or Longer Tenure: The Real Trade-Off
Before you empty your savings into a bigger deposit, run the math on interest saved versus liquidity kept — the trade-off is rarely as simple as 'less loan is always better.'
Rent vs Buy in Bangalore 2026: When Buying Wins
Bengaluru prices rose faster than any other major Indian city last year — here's the actual break-even math a Whitefield or Sarjapur renter needs before deciding to buy.
Rent vs Buy in Mumbai 2026: Why Renting Often Wins
With Mumbai's EMI-to-income ratio near 51%, the honest math often favours renting for longer than most first-time buyers expect — here's how to check your own case.
Rent vs Buy in Pune 2026: The Affordability Sweet Spot
Pune's EMI-to-income ratio sits near 24% against Mumbai's 51%, which is why the rent-vs-buy math tips toward owning sooner than most renters expect.