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Tagged “loan”

A new three-storey commercial building on a tree-lined road, empty shops with open roller shutters on the ground floor and glass-fronted offices above, two-wheelers parked along its paved front. Buying guides8 min read दुकान ख़रीदें? पहले ज़ोन देखिए।

Buying a shop or office: zoning, tax, loans and rent

A shop is not a home with a shutter. Check the zone first, then the tax, the tariff, the loan, the GST and the rent sum, before any token.

3 Oct 2026 A freshly surfaced road through a residential colony after rain, puddles reflecting the sky, with two-storey houses and gardens on both sides. Money8 min read घर की क़ीमत नहीं, घर दोबारा बनाने की लागत का बीमा।

Home insurance: what the standard policy covers

The cover sold with a home loan does not mend a wall. What the standard home policy pays for, how to set the sum insured, and what it leaves out.

3 Oct 2026 Apartment blocks and flat-roofed houses on tree-lined roads in the foreground give way, across a dirt road, to open green and brown farm fields stretching to the horizon. Buying guides7 min read विदेश में रहते हैं?

NRI buying property in Indore: what FEMA allows

A flat or a shop, yes; farmland, no. What FEMA lets NRIs and OCIs buy in Indore, how to pay, and how much of the sale money can go back abroad.

3 Oct 2026 A well-kept two-storey house with a wooden-clad balcony, flowering bougainvillea and a closed slatted gate stands on a quiet, tree-lined colony road. Buying guides8 min read नीलामी की प्रॉपर्टी — सस्ती है, पर साफ़ है?

Buying property at a bank auction

A bank e-auction sells a property 'as is where is'. What that phrase hands to the buyer, how the payment clock runs, and five checks to make before you bid.

3 Oct 2026 A man in a dark turban works a calculator over a notebook at a low table while his wife rests her chin on his shoulder, a laptop open in front of them. Money8 min read होम लोन से टैक्स बचेगा? पहले रीजीम देखिए।

Home loan tax benefits: interest, principal and the regime you choose

The ₹2 lakh interest and ₹1.5 lakh principal deductions live only in the old regime. How each works, for joint owners and while a house is built.

3 Oct 2026 A smiling couple stand in the doorway of a small yellow house hung with a marigold garland, the woman holding up a set of keys, a scooter parked beside the steps. Money8 min read ब्याज में मदद — पर शर्तें पहले पढ़िए।

PMAY-U 2.0: the home-loan interest subsidy, and who qualifies

Up to ₹1.80 lakh off a home loan under PMAY-U 2.0: the income bands, the caps, the pucca-house rule, and how the subsidy is actually paid.

3 Oct 2026 A loan officer in a sari hands a brown leather folder across a wooden desk to a customer seen from behind, in a busy bank office. Money7 min read बैंक क्या-क्या जाँचता है?

What the bank checks before it lends on a property

Before a home loan, a lawyer and a valuer examine the property at the bank's cost. What each one checks, and why a refusal is information.

3 Oct 2026 A narrow paved lane between old two-storey houses with blue doors, potted plants on balconies and a blue scooter parked by the steps. Papers & law7 min read मालिकाना या पट्टा?

Freehold or leasehold: the difference that does not show on the plot

Two plots on the same street can be two different things: one owned outright, one held on a lease that runs down. How to tell which you are buying.

3 Oct 2026 Four members of a family sit around a wooden kitchen table with a folder and loose papers between them, nobody writing yet. Papers & law8 min read नाम किसके?

Whose name goes on the sale deed

Who paid and whose name is on the deed are two different questions. What the choice changes, and why to settle it at home, weeks early, not at the desk.

8 Sep 2026 A two-storey brick house under construction on open ground, wrapped in bamboo scaffolding, with a heap of sand, a cement mixer and a stack of red bricks in front of it. Money8 min read प्लॉट पर लोन

Plot loans are not home loans

Less of the value funded, fewer years, sometimes a deadline to build, a tax break that waits — and a bank that checks the ground before it checks you.

8 Sep 2026 A padlocked iron gate between concrete pillars opens onto an empty walled plot, with a neem tree and half-built houses beyond at sunset Papers & law9 min read इस ज़मीन पर किसी का हक़ तो नहीं?

The encumbrance question: is a loan or a court order already on the land?

A plot can carry a mortgage, a court attachment or a pending suit you cannot see from the gate. What an encumbrance certificate shows, and what it misses.

8 Sep 2026

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