Guides on loans and credit cards
Plain-language explainers on eligibility, documents, and how the application process actually works — starting with Personal Loans.
Home Loan
Home Loan Insurance: Do You Need It?
What home loan protection insurance covers, and how to decide if it makes sense given the loan's size and duration.
NeerCred Team · 4/6/2026
Home Loan
What Is a Home Loan Top-Up and When Should You Use One?
An additional loan on top of your existing home loan, secured by the same property - what it is and when it makes sense.
NeerCred Team · 4/4/2026
Home Loan
Home Loan for Plot Purchase and Construction: How It Works
Financing land purchase and self-construction as two connected but distinct stages.
NeerCred Team · 3/29/2026
Home Loan
Common Mistakes First-Time Home Buyers Make With Loans
Recurring, avoidable errors first-time buyers make when financing a home purchase.
NeerCred Team · 3/27/2026
Home Loan
Home Loan Pre-Approval: What It Means and Why It Helps
How a pre-approved home loan differs from a final sanction, and why it strengthens your position when house-hunting.
NeerCred Team · 3/26/2026
Home Loan
Home Loan Down Payment: How Much Should You Save?
What determines your minimum down payment, and why it's often worth saving more than the LTV-mandated minimum.
NeerCred Team · 3/19/2026
Home Loan
How to Calculate Your Home Loan EMI
The EMI formula applied to a home loan's scale and tenure, and why even small rate differences matter enormously here.
NeerCred Team · 3/18/2026
Home Loan
What Is a Home Loan Balance Transfer and When to Consider It
Moving your existing home loan to a new lender for a better rate - how it works and when it genuinely makes sense.
NeerCred Team · 3/11/2026
Home Loan
Fixed vs. Floating Interest Rate for Home Loans
How fixed and floating (variable) home loan rates work, and the trade-offs between predictability and potential savings.
NeerCred Team · 3/9/2026
Home Loan
Home Loan for Self-Employed Applicants: What Lenders Look For
How lenders assess self-employed home loan applicants differently, and how to strengthen your application.
NeerCred Team · 3/8/2026
Home Loan
Documents Required for a Home Loan Application
The identity, income, and property documents typically needed for a home loan, beyond what a personal loan requires.
NeerCred Team · 3/1/2026
Home Loan
Home Loan Tax Benefits Under Section 24(b) and 80C Explained
How home loan interest and principal repayment can offer tax benefits under the old regime, and what to check with your CA.
NeerCred Team · 2/28/2026
Home Loan
Understanding LTV (Loan-to-Value) Ratio for Home Loans
What LTV means, the RBI-linked bands that apply in India, and why it determines your minimum down payment.
NeerCred Team · 2/21/2026
Home Loan
Home Purchase Loan vs. Construction Loan: What’s the Difference?
How financing a ready property differs from financing self-construction, and what that means for disbursal and documentation.
NeerCred Team · 2/20/2026
Home Loan
Home Loan Eligibility: A Complete Guide
The core factors lenders assess for home loan eligibility, and how they differ from a personal loan.
NeerCred Team · 2/18/2026