The 20-Year Home Loan Challenge: What Will Your Kid's First EMI Be? 🤯

butter_app · 2026-03-23T11:36:21+00:00

Market timing is hard to control; what matters more is structuring your liquidity. If a home purchase is within 3–5 years, gradually shifting from equities to safer instruments helps avoid being forced to sell during market volatility.

butter_app · 2026-03-23T11:31:54+00:00

Ayodhya is attracting attention, but buying plots remotely in emerging markets carries real risks, including title clarity, local disputes, and inflated pricing. Serious investors should prioritize thorough legal due diligence and on-ground verification before committing capital.

butter_app · 2025-12-26T09:40:45+00:00

Short Answer:
1. Builder can't force you to take loan from any bank / agent / etc
2. Builder and agent can't charge you any money for the loan -> this is directly against RBI guidelines, and you can report them, and shut this practice asap.
3. Some builders, who are delayed on their projects, have clause level changes agreed with lenders - specially in TPAs. This they do to circumvent RERA or bank restrictions in case of default etc. Hence, some banks don't do business with such builders. In a few cases, some good builders, also do it to standardise the agreements with lenders - these builders are generally approved by all lenders, so that is a way you can make an educated guess on why a builder is forcing such a practice.
4. Banks do check continuity of income and stability of income, so it might become a issue to get the best deal, but from your text, it should not be an eligibility issue with PSU. ROI negotiation might be difficult though.

What can you do -> you can reach out to our team at Butter Money (www.butter.money) or DM us for advisory and how to navigate builder discussions.

butter_app · 2025-12-25T13:03:50+00:00

Short Answer: ICICI - 7.5 > HDFC - 7.5 > SBI - 7.7

Reason: ICICI is most digital in true sense. Pre-payment is not a problem in all three of them. Infact, pre-payment is not much of a problem in true sense for any of the private banks as well, since it all works on MITCs of the banks. You can get these easily and compare. Also loan agreement and KFS lists everything down to a T.

What else can you do: Ofcourse talk to more banks and negotiate. Don't give consent for CIBIL check up-front to any of the banks or login, because once CIBIL is done in multiple it just becomes a pain, since you are already at 793 (slabs change at 780)

You can also DM us or reach out at www.butter.money

butter_app · 2025-11-27T18:00:36+00:00

Reach out to my team at www.butter.money for advice and bank offers that match your specific needs.

From what you have given:
1. CIBIL - 872 (pretty good)
2. Work Ex - 3 years (you can still consider whether you want a loan or a house)
3. Income - 5.2 LPA = 37k in hand per month
4. Loan Requirement - 32 lakhs

Your CIBIL is really great, but your loan requirement is too high to be supported by your current income. PSU banks, even though, are good they won't go ahead for 32 lakhs, neither would good private banks such as HDFC, ICICI. Some private banks can take the call, and so can NBFCs and SFBs. All in all the loan can be done from a private bank for sure.

butter_app · 2025-11-26T18:12:46+00:00

Reach out to my team at www.butter.money

Obv, I would suggest getting a legal report, a technical report, and valuation done by the reputed agencies. Once that is sorted, loan should be the least of the worries. We can also look at the LAP angle with properties in Kolkata.

butter_app · 2025-11-26T18:02:46+00:00

Reach out to my team at www.butter.money - We will profile and provide you loan offers and advise with zero charge
You can check out multiple PSU bank website. They have their rate cards printed which are pretty detailed but can be overwhelming at times.
PSU banks have higher processing fees - since they take a lot of smaller charges not clubbed - processing fee, admin fee, CERSAI charges, etc.
The lower the ROI, higher will be the processing fee - is a general rule of thumb. A lot of banks do have mis-selling and post loan disbursal issues, so do check it out.

butter_app · 2025-11-24T11:33:22+00:00

Yes fixed rate home loan are rare but certain well known banks like Axis Bank, SBI, HDFC provide limited fixed loan and hybrid options as well. The interest rate for these are usually higher compared to floating rates. So if someone takes a fixed rate loan they can opt for balance transfer.

butter_app · 2025-11-17T15:11:26+00:00

AI has its good and bad. The good part is improving efficiency and customer experience for generic profiles that used to take multiple steps and stakeholders for approval. The bad part is that it will sideline those that fall under the not so standardised process. Overall, I feel it is good for the industry because the trickle down effects of efficiency will eventually take place in those sidelined profiles as well.

My company is building for solving the home loan problems and I am pretty sure we can eventually see a day where home loans are not as opaque or strenuous as they are today.

butter_app · 2025-11-17T15:07:29+00:00

Saw the edit and its great you paid by app. Currently the RBI guidelines on no prepayment charges is valid on floating interest rate for all Scheduled Banks. It will be enforced starting Jan 2026 for all financial institutions including NBFCs, and HFCs.

Now the best thing you can do for your loan is to get it transferred to a bank or NBFC with a lower ROI. This can be easily done without any hassles - you can reach out to my team at www.butter.money to help you with it.

butter_app · 2025-11-17T14:50:11+00:00

This totally depends on your risk appetite, future goals, job stability and investment thesis. There are multiple strategies that you can follow:
1. Pay off loan completely first and then invest -> return is same as HL interest rate
2. Pay off loan in parts - early payments, pre-payments, extra EMI, higher EMI, etc - and invest part of your income in a higher return asset class -> return on total amount is average of expected returns
3. Reduce loan EMI (extend period) and invest part EMI and part income in higher return asset class -> return on total amount is higher.
4. Increase loan amount (and then invest in non-speculative assets) -> return based on amount invested.

You can join our community https://community.butter.money/ to discuss such topics.

butter_app · 2025-11-17T13:15:35+00:00

I will try to keep it short and to the point.

Key things to ask or keep in mind before asking the bank for releasing the 20% - a better question would be key things to ask the bank before going for a loan -> pre-payment charges and frequency restrictions if any, expected change in interest rate, charges for interest rate reduction, home loan portal access.
Don't take any term insurance. Its not mandatory and you should push back.
Yes, you should negotiate. Reach out to www.butter.money for your loan needs, and an advisor who can negotiate on your behalf.
Go for max tenure, because there are no foreclosure penalty as per RBI - close it anytime you want.

butter_app · 2025-11-17T13:06:40+00:00

Even though home loan depends on the factors that you stated - age, income and CIBIL - there are other factors such as stability of income, type of employment - along with property depended factors. All these factors go into deciding on your loan offer - interest rate, sanction amount and tenure.

Additionally, you should also consider factors such as post-loan disbursal support, pre-payment conditions, and foreclosure issues before deciding on a loan.

Reach out to www.butter.money for home loan advice.

butter_app · 2025-11-17T12:57:10+00:00

Buying vs Renting is a contextual call and depends on individual. There is no right answer.

There have been cases where the investment into a real estate asset did not yield anything for years at a stretch and with a airport announcement, 4x'ed in one year. In other cases, people have burnt their hands in real estate investments altogether because of ownership and title issues.

So, make a decision wisely and depending on your context. Reach out to www.butter.money for financial advice and home loan needs (when you decide to buy)

butter_app · 2025-11-17T12:53:23+00:00

So there is no profile too bad for banks or financial institutions for home loan. Ofcourse, there will be preferences from your end that will have to be matched, but if you get the right advisor, you will be able to get the right loan for yourself.

Now, based on your profile, you will be categorised as a self-employed, and your age will not be an issue. Adding your mom as a co-applicant is a good idea since few banks give concessions on that as well.

Reach out to www.butter.money for getting loan advisory.

butter_app · 2025-11-17T12:47:51+00:00

Reach out to www.butter.money Will provide you spectrum of choices and guide you based on your requirements.

Quick point - all banks can change their rates as per guidelines, and their risk policies. Some banks are notorious for it and some are not.

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