Loans
How to compare home loan offers
Look beyond the headline rate: fees, reset terms and prepayment rules matter.
The interest rate is important, but it is only one part of the cost. Compare processing fees, legal and valuation charges, and any insurance bundled with the loan.
Understand whether the rate is linked to an external benchmark and how often it resets.
Check prepayment and foreclosure terms. Flexibility to prepay can reduce total interest significantly over a long tenure.
Ask for the sanction terms in writing and read them carefully before accepting.
This guide is for general education only and is not financial, tax or investment advice.
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