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Home/Guides/Loans & home

Loans & home

Home loans, rent, and the tax that sits around buying a house.

Finfod Research DeskUpdated 28 Oct 2026How we check

A sunlit living room in a home in Vadodara

Calculators

EMI CalculatorEMI, total interest and total payment for a home, car or personal loan.
Rent vs. BuyShould you rent or buy a home? Compare a home loan with renting and investing the difference.
Prepay Home Loan vs. InvestShould you pay off your home loan early, or put the extra money into mutual funds?

Rates

Home loan interest ratesLowest starting rate on this page: 7.40% at Bank of Baroda.
RBI policy ratesRepo rate 5.50% from 7 October 2026. Next meeting 2 to 4 December 2026.

Guides

Loans & homeHow home loan EMI is calculated (with prepayment tips)How a home loan EMI is worked out on the reducing balance, what an extra payment changes, and how that compares with investing the same cash.10 min read
Loans & homeHome loan tax benefits in 2026Home-loan interest, principal and the old first-time buyer rules for FY 2026-27. What section 22 and section 123 allow, and what a 2026 loan cannot claim.12 min read