The Complete Home Loan Guide for 2026

Buying a home is likely the biggest financial decision you will make. A home loan makes it achievable, but the terms matter enormously over a 20-year horizon.

Lenders typically fund up to 80% of the property value. Your eligibility depends on income, credit score (aim for 750+), existing obligations and age.

Interest rates come in fixed and floating flavours. Floating rates track a benchmark and usually work out cheaper over the long run.

Do not forget tax benefits: principal repayment qualifies under Section 80C, and interest under Section 24(b), up to prescribed limits.

Use our EMI calculator to model different tenures and down payments before you commit.