Loan Guides for Indian Borrowers

Straight answers to the questions that decide what you actually pay: which documents lenders ask for, how to negotiate the lowest rate, whether prepaying beats investing, when a balance transfer pays off, how much you can actually borrow, and what moves a credit score. Every guide uses numbers computed by our own calculators, so you can verify each figure yourself.

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Home Loan Documents Checklist

Everything lenders ask for - salaried and self-employed - plus the three paperwork mistakes that delay disbursal.
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How to Get the Lowest Home Loan Rate

Rate = repo + spread. How to attack the spread, which lenders negotiate, and the reset clauses to check.
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Prepay the Loan or Invest the Money?

A guaranteed 8.5% return versus market returns - with the exact numbers for a 50 lakh loan.
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Home Loan Balance Transfer

The break-even math for switching lenders, plus the five costs borrowers forget.
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Personal Loan Eligibility

How much a 40k, 60k or 75k salary supports - and what an existing EMI costs you.
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Improve Your CIBIL Score

The 90-day plan to reach the 750 band, and the moves that quietly hurt you.
Calculators Mentioned in These Guides

EMI Calculator 路 Loan Comparison 路 FD Calculator 路 Income Tax 路 Bank Rates 路 EMI by City