Housing & Real Estate News India
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📰 Latest Housing & Real Estate News
Rate Hike Hit? Higher EMI vs Longer Tenure: Choose Right
When home loan rates rise, banks quietly extend your tenure or raise your EMI. Knowing which option actually saves you money can mean lakhs of rupees difference over your loan's lifetime.
mint - moneyBuying Property Over ₹30L? 5 Docs You Must Keep
If you buy or sell property worth over ₹30 lakh, the income tax department can ask where the money came from. Experts say keeping the right documents — sale deeds, bank statements, loan papers — is your best protection against a tax notice.
mint - moneySBI & PNB Cut Rates: Does Your EMI Drop?
SBI, PNB, and 4 other major banks have revised their home loan lending rates. If your loan is linked to EBLR or MCLR, your EMI may fall — but only if your bank actually passes the cut to you.
LivemintRegistered Property? You May Not Legally Own It
In India, registering a property sale does not guarantee legal ownership. The current system only presumes ownership. A new title guarantee system is being discussed that would make ownership legally conclusive — a big deal for home buyers.
freefincal₹1Cr Home Loan? Here's the Salary You Need
Dreaming of buying a ₹50L, ₹75L, or ₹1Cr home? Your salary decides if any bank will even approve your loan. Here's exactly what monthly income you need, plus down payment and hidden costs most buyers forget.
mint - moneySBI Home Loan Hike: How Much More You Pay Now?
SBI has raised home loan interest rates by 0.25%. If your loan is linked to an external benchmark rate, your EMI will go up. Here's what changes for loans between ₹30 lakh and ₹1 crore.
Wealth-Economic TimesSBI Hikes Rates 25 bps: Does Your EMI Rise?
SBI raised home loan rates by 0.25% from 15 October 2026. If you have a ₹30L–₹1Cr SBI home loan, your EMI may rise OR your loan tenure gets longer — both cost you more money in the long run.
mint - moneyDeemed Conveyance Done? Your Flat Title Isn't Safe Yet
Getting deemed conveyance for your housing society does not mean your property title is final. A Bombay HC ruling confirms that title disputes can still happen after conveyance. Flat buyers must take extra steps to protect ownership.
taxguruin₹1 Crore Home Loan: Salary You Need for EMI?
Buying a ₹1 crore house with 20% down means an ₹80 lakh loan. At 8% over 20 years, your EMI hits ₹66,900. Most banks want your EMI to be under 40-50% of take-home pay — meaning you likely need ₹1.4-1.7 lakh monthly salary minimum.
mint - moneySBI Waives Home Loan Fee: Save ₹10,000+ Now?
SBI has waived the processing fee on home loans until March 2025. This can save home buyers thousands of rupees upfront — but is this the right time to apply for a home loan?
Goodreturns18% GST on Your Flat? 5 Builder Facts to Know
Buying a flat in a non-RERA registered building or a small joint development project? GST rules are different — and often higher. Here's what every homebuyer must understand before signing any agreement.
taxguruinBuilder Loan Default? Your ₹50L Flat May Be Seized
If your builder borrowed money from a bank and defaulted, that bank can seize and sell your flat under SARFAESI — even if you've been paying your home loan EMIs perfectly. Here's what protects you and what doesn't.
taxguruinNo Marriage Certificate? Your Nominee May Lose ₹
Millions of Indian couples married by religious ritual never register their marriage. This creates real problems when claiming insurance, inheriting assets, or getting joint loans. Here's what you must know and do.
mint - moneyAffordable Home Loans: Is Your EMI Still Manageable?
Despite high interest rates, affordable housing demand in India remains strong. Government schemes, festive offers, and low ticket sizes mean buyers under ₹35 lakh are still entering the market. Here's what it means for your home loan plan.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineBanks Hike Rates: Is Your EMI Rising This Month?
Several major banks have raised their lending rates, meaning your home loan, car loan, or personal loan EMI may go up. If your loan is on a floating rate, you could be paying more already — here's how to check and what to do.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLine₹10,000 Cr SME Fund: Is Your Job & EMI Now Safer?
The Cabinet approved a ₹10,000 crore SME Growth Fund to give equity and credit to high-potential small businesses. If your employer is an SME, better funding means stabler salaries — which means your personal loan and home loan EMIs face lower default risk.
Inc42 MediaEC Shows 'Clear'? Your ₹50L Property May Still Have Claims
An Encumbrance Certificate only shows registered transactions at the sub-registrar office. It cannot catch unregistered claims, oral agreements, court disputes, or revenue record issues — so your property title can still be legally challenged even with a clean EC.
freefincalSelling a Flat? On-Money Tax Rules Cost You 30%
If you paid or received 'on-money' — cash above the registered price — during a property sale, the tax department can now tax it year by year, not just in one go. Here's what that means for your wallet.
taxguruinPremium Home Loan: 5 Costs You're Not Counting
Buying a premium flat? Your EMI is just the start. Maintenance charges, property tax, club fees, and hidden society levies can add ₹15,000–₹40,000 every month to your actual cost. Here's what to check before you sign.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsPMAY-U 2.0: Is Your Family Eligible for a Subsidy?
The government has sanctioned over 18.77 lakh urban houses under PMAY-U 2.0, helping low and middle income families buy or build homes with interest subsidies. Here is who qualifies and how to apply.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsHome Loan Closed? Get ₹5,000/Day If Papers Delayed
RBI rules say lenders must return your original property documents within 30 days of full home loan repayment. If they delay, you are entitled to ₹5,000 per day in compensation — a rule most borrowers don't know exists.
mint - moneyGen Z Home Loans Up 86%: Can You Buy at 25?
More Indians under 26 are taking home loans than ever before. Gen Z borrowers jumped 86% at Kotak, now making up 9% of its home loan book. If you're in your mid-20s, here's what this trend means for your homebuying decision.
FinanceGen Z Home Loans Up 86%: Can You Afford It at 25?
Young Indians aged 25–30 are taking home loans at record speed. But buying a home early sounds great until you do the EMI math on an entry-level salary. Here's what to check before you sign.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsBuilder Delayed Flat? RERA Awards ₹5L Compensation
Telangana RERA ordered a builder to pay ₹5.04 lakh in interest compensation to a homebuyer whose flat delivery was delayed. The builder's extra ₹30,000 debris charge was also rejected. If your builder is late, you have legal rights.
Wealth-Economic TimesBuying a Home in 2 Years? 5 EMI Traps to Avoid
Half of Indian homebuyers want to buy property within 2 years but rising prices and job worries are making it harder. Here's how to plan your home loan smartly before you sign anything.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsSection 69 Tax Notice? Your Family Loan Can Save You
If the taxman adds unexplained income to your return, a genuine bank loan from a family member — properly documented — can delete the entire addition. Here's what you must prove.
taxguruin0.45% Rate Gap: Your Home Loan Costs ₹6L More?
Home loan interest rates vary from 7% to 7.45% across top Indian banks. Choosing the wrong lender could quietly cost you lakhs over 20 years — even if the EMI difference looks small today.
mint - moneyHome Loan EMI: How Much Can ₹50K Salary Afford?
Banks use a 40-50% income rule to decide your home loan EMI limit. Here's what ₹50,000, ₹1 lakh, and ₹2 lakh earners can actually borrow — and what mistakes to avoid before applying.
mint - money64% Home Loans: Tier 2 Cities Beating Metro Buyers?
Small-city India is driving the home loan boom. Tier 2 and Tier 3 cities made up 64% of all home loan volumes in 2025, powered by digital applications and rising property demand outside metros.
mint - moneySmall-Town Home Loans: Are You Missing ₹35L?
Housing finance companies are expanding into small Tamil Nadu towns, making home loans of ₹25–40 lakh easier to get. If you live in a tier-2 or tier-3 town, this could be your chance to own a home with a formal loan.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLine