Joint Home Loan with Your Spouse: Eligibility and Tax Wins
Borrowing together can raise your loan, double the tax relief and settle who owns what. Here is how a joint home loan works for your first home.
· 6 min read
Reeva journal
Home Finance guides
18 plain-English guides on home finance for first-home buyers in Bengaluru.
Apartment Maintenance Charges: What First-Home Buyers Should Know
Your EMI is not the only monthly bill. Here is how apartment maintenance is worked out, so it does not surprise you after you move in.
· 6 min read
Construction-Linked Payment Plans, Explained for First-Home Buyers
You pay as the building rises, not all at once. Here is how a construction-linked plan works and what to check before you sign.
· 6 min read
Corpus Fund and Sinking Fund: The Two Apartment Savings Pots
Two lines on your cost sheet that many first-time buyers skip. Here is what the corpus fund and sinking fund are for, and why they matter.
· 6 min read
Down Payment for Your First Home: What You Really Need in Hand
The loan covers most of the price, but not everything. Here is the full list of what you pay yourself, and when.
· 6 min read
Fixed or Floating Rate? Choosing for Your First Home Loan
Your first loan will ask you to pick a rate type. Here is what fixed and floating really mean, and how a rate change touches your EMI.
· 7 min read
Home Loan Insurance: What You Need and What You Can Skip
At loan signing, you may be offered three kinds of insurance. Here is what each protects, and which ones are actually required.
· 6 min read
Part-Payment and Foreclosure: How Paying Early Actually Works
Paying a little extra and closing the loan fully are two different steps. Here is how each one works, and what to collect when you finish.
· 6 min read
Home Loan Sanction vs Disbursement: What Each Step Means
Your loan is approved, but no money has moved yet. Here is what happens between sanction and disbursement.
· 6 min read
How Much Home Loan Can I Get? How Banks Work It Out
Your loan amount is set by four limits, and the lowest one wins. Here is how each works, for a salaried first-home buyer.
· 6 min read
How to Save for Your First Home: A Step-by-Step Plan
The hardest part of a first home is often the first cheque. Here is a calm, step-by-step plan to save for it.
· 6 min read
NRI Home Loans: Buying a First or Family Home in Bengaluru
Buying a home back home while you work abroad is very doable. Here is how an NRI home loan works and what to prepare.
· 6 min read
How to Pay Off Your Home Loan Faster: Simple Maths That Works
A 25-year loan does not have to last 25 years. Here is the arithmetic of finishing early, with honest examples.
· 6 min read
Plot Loan or Home Loan? A Plain Guide for First-Time Buyers
Buying land and building later sounds simple. Banks see it very differently from buying a ready flat. Here is what changes for you.
· 7 min read
PMAY-Urban 2.0 for Your First Home: Who Qualifies, How Much
The government's interest subsidy can put up to ₹1.80 lakh into your home loan. Here is who qualifies, why Bengaluru's prices make it tight, and how to apply.
· 6 min read
Pre-EMI or Full EMI? A Guide for Buyers Still Paying Rent
Paying rent and a loan at the same time is the hardest part of buying under construction. Here is how pre-EMI and full EMI change that.
· 6 min read
Top-Up Home Loan or Loan Against Property? A Simple Comparison
Once you own a home, you can borrow against it. Here is how a top-up loan and a loan against property compare.
· 6 min read
The Tripartite Agreement: Builder, Bank and You
One extra document you will sign if you buy under construction with a loan. Here is what it says and why it matters.
· 6 min read
FAQ
About these guides
What do the home finance guides cover?
18 short guides on home finance for first-home buyers in Bengaluru, each answering one question in plain words.
Are these guides advice for my case?
No. They explain how things usually work. For your own purchase, check with your bank, a lawyer or a tax adviser.
Where can I read every guide?
The <a href="/blog">Reeva blog</a> lists every guide, newest first, and the <a href="/glossary">glossary</a> explains the terms they use.
See The Shalott Marque for yourself
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