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9 ArticlesHome Loans

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Is There an “Ex Gratia” Amount of Money Paid to Your Account? Here’s Why.

Are you surprised to see money in your bank account? Or that your loan account has a lower “outstanding” amount suddenly? This is where ...

Nov 03, 2020

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The Risk in Home Finance: When The Good Loans Default Because There's No House Anymore

It just got real. Four years ago, we wrote of a problem in homelending. That banks can come after you in case your builder defaults in paying ...

Aug 22, 2017

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RBI Housing Data Shows Housing Loans Are Taking 40% of Income as EMIs

RBI has released a report on Indian Residential Real Estate Prices. They use bank loan data to get an idea about housing prices. Since Banks appraise houses ...

May 11, 2015

Singapore Hurts Property Bubble By Limits on Housing Loan Payments, Higher Taxes

Singapore has figured out the best way to burst a bubble is to reduce the leverage taken to make that bubble go higher. They’ve upped the taxes on ...

Oct 17, 2013

The Real Estate Ponzi Scheme Exposed: RBI Warns Banks Funding Builders with Upfront or 80:20 Loans

In a notification, banks have been told to watch all loans under “innovative” financing schemes which involve giving builders the full home loan amount ...

Sep 03, 2013

Housing Prices Do Show Signs of a Bubble

In the post-policy press conference, Dr. Subbarao, Big Boss of the RBI, made this innocuous statement: Shishir Shindekar: Sir the housing price index is ...

May 08, 2013

RBI Bans Preclosure Penalties Officially

The RBI has officially banned Preclosure Penalties on all housing loans: (Notification) RBI/2011-12/589 DBOD. No. Dir. BC.107/13.03.00/2011-12 June 5, 2012 All ...

Jun 06, 2012

A 5 year home loan at 5.99%

Builders are having it tough, but a certain one, BPTP in the NCR region is offering a tie up with HDFC to give home loans at 5.99%. "BPTP…today ...

Dec 20, 2011

ICICI cuts rates for ONLY new loans, less than 20 lakhs

How nice of them! ICICI Bank has made loans of less than 20 lakhs cheaper; a new rate of 11.5% applies, as against 13% earlier. Private sector lender, ICICI ...

Dec 07, 2008

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