Loans
Home Loan Eligibility: How Banks Actually Decide
Eligibility is not the same as affordability. Here is how lenders calculate the number they are willing to lend you, and what increases it.
· 3 min read
Loans
How borrowing works, from EMI maths to eligibility and prepayment.
Loans
Simple vs Compound Interest: A Small Difference That Grows Huge
The two ways of charging interest look almost identical in year one and completely different in year twenty. Here is which one you are actually paying...
· 3 min read
Loans
Loan Prepayment: When Paying Early Is Actually Worth It
Prepaying a loan is a guaranteed, tax-free return. The question is whether it beats the alternatives — and the answer is usually yes, with two excepti...
· 3 min read
Loans
How to Read Your Credit Score Before Applying for a Loan
A credit score decides both whether you get the loan and what it costs. Checking it before you apply is worth more than negotiating after.
· 3 min read
Loans
How EMI Is Calculated and Why the Early Years Feel Expensive
EMI stands for Equated Monthly Instalment, and the maths behind it explains why most of your early payments go to interest rather than principal.
· 4 min read