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How much home loan you can get depends mainly on FOIR, the share of your income that all EMIs may take. A Bengaluru buyer guide to the bands, a worked example, and the levers that raise or lower your eligibility.

If a builder misses the possession date, RERA Section 18 gives a buyer two rights: a full refund with interest and compensation, or interest for every month of delay. A Bengaluru guide to the options, the rate, and filing a complaint.

A joint home loan can double the tax deductions and lift your eligibility. A Bengaluru buyer guide to the Section 24b and 80C benefits for co-owners, the co-owner and co-borrower rule, and the tax regime catch.

From 1 January 2026 the RBI bars prepayment and foreclosure charges on floating-rate home loans to individuals. A Bengaluru borrower guide to the rule, how fixed loans differ, and how to save the most interest.

Your CIBIL score, from 300 to 900, shapes home loan approval and your interest rate. A Bengaluru buyer guide to the score bands lenders want, how the score prices your loan, and how to improve it before you apply.

RBI loan to value rules cap home loan funding at 90, 80 or 75 percent by property value, setting your minimum down payment. A Bengaluru buyer guide to the bands and why stamp duty and registration are your own money.