Home Loans & Finance
Co-applicant or Guarantor on a Home Loan: How the Two Roles Differ
A co-applicant borrows with you and a guarantor backs the loan. How the two roles differ in liability, ownership, loan eligibility, tax and credit record, and what to settle before signing.
Home Loan Balance Transfer in Bangalore: Costs, Savings and Steps
Moving a home loan to a cheaper lender saves money only when the interest saved beats the fees and the Karnataka stamp duty on the new mortgage. A worked example and the steps.
Home Insurance for Bangalore Flat Buyers: Bharat Griha Raksha Explained
What home insurance covers, how the standard Bharat Griha Raksha policy works, how the sum insured is set on rebuilding cost, and how it differs from the loan protection cover a bank sells with a home loan.
GST on Parking, Clubhouse and PLC Charges on an Under-Construction Flat
Which GST rate applies to car parking, clubhouse, PLC and floor rise charges on an under-construction flat in Bangalore, why parking is the disputed line, and how to check the cost sheet.
Fixed or Floating Home Loan Rate, and Your Options at a Rate Reset
How fixed and floating home loan rates differ, what the gap costs on a Rs. 60 Lakh loan, and the choices the RBI gives a borrower at every rate reset: higher EMI, longer tenure or both, plus a switch to fixed where the lender offers it.
Crude Oil, the Rupee and RBI Rates: What Bangalore Home Buyers Should Plan For
Oil above 100 US dollars and a rupee near 96 reach home buyers through loan rates, building costs and NRI demand. How each link works and how to budget for 2026-27.
Composite Loan in Bangalore: One Loan for the Plot and the House
A composite loan funds a plot and the house built on it under one sanction. How it is released in stages, how it differs from a plot loan, the construction deadline and when tax deductions begin.
CIBIL Score for a Home Loan: What Bangalore Buyers Should Know
How the CIBIL score affects home loan approval and the interest rate, the score bands lenders use, what moves the score, the RBI rules on free reports and weekly updates, and how to fix errors before applying.
Capital Gains Tax on Selling Property in Bangalore: Sections 54, 54EC and 54F
How the gain on a property sale is taxed in 2026-27: the 24-month rule, 12.5% without indexation or 20% with it for older purchases, and the exemptions for buying another house, investing in bonds or selling a plot.
Capital Gains Account Scheme: How Property Sellers Park a Gain Before the Return Is Due
How the Capital Gains Account Scheme works for a property seller: who needs it, the deposit deadline, Account A and Account B, withdrawals on Form C and D, closure, and the tax on money left unused.
Buying a Resale Flat With an Outstanding Home Loan in Bangalore
A resale flat that is still mortgaged to the seller's bank is safe to buy when the loan is closed with the purchase money in a fixed order. The steps, the documents and the clauses to insist on.
Buying Property Below Guidance Value in Bangalore: The Income Tax Effect
When a home is bought for less than its guidance value, the gap can be taxed as income for the buyer and added to the seller's sale price. How the 10% margin works, with worked numbers and checks.
Buying a Home in a Woman's Name in Karnataka: Stamp Duty, Loan and Tax
Karnataka charges the same stamp duty whether the buyer is a man or a woman. The real gains from a home in a woman's name are a small loan rate concession, separate tax deductions for a co-owner who repays, and secure ownership.
Advance Tax on Capital Gains From a Property Sale: Due Dates and Interest
Tax on a property sale gain is due during the year as advance tax once the year's tax is Rs. 10,000 or more. This guide covers the four due dates, the relief for capital gains, interest on delay and a worked example.