Ghar kharidna har kisi ka sapna hota hai, aur Home Loan us sapne ko pura karne ka sabse bada zariya hai. “ArthVeda” ke liye ye ek aisa topic hai jo aapke readers ke liye sabse zyada informative ho sakta hai.
Home loan koi 1-2 saal ka sauda nahi, balki 15-20 saal ka commitment hai. Isliye ise samajhna bahut zaroori hai.
Home Loan: Complete Housing Guide (2026)
1. Home Loan ke Mukhya Prakar (Types)
- Home Purchase Loan: Naya ghar ya flat kharidne ke liye.
- Home Construction Loan: Agar aapke paas zameen hai aur aap uspar ghar banana chahte hain.
- Home Improvement/Extension Loan: Purane ghar ki marammat ya naya kamra banwane ke liye.
- Plot Loan: Sirf khali zameen (plot) kharidne ke liye.
2. Loan Kitna Milega? (The 80/20 Rule)
Banks aksar ghar ki total registry value ka 75% se 90% tak hi loan dete hain.
- LTV (Loan to Value): Baaki ka 10-25% paisa aapko “Down Payment” ke roop mein khud dena hoga. Isliye ghar dekhne se pehle down payment ka intezam zaroor karein.
Home Loan Checklist (ArthVeda Strategy)
1. Floating vs. Fixed Interest Rate
- Floating Rate (Recommended): Isme byaj ki dar market (RBI repo rate) ke saath upar-neeche hoti hai. Isme ‘Pre-payment penalty’ nahi lagti.
- Fixed Rate: Isme rate hamesha fix rehta hai, lekin ye floating se 1-2% mahanga hota hai.
2. PMAY (Pradhan Mantri Awas Yojana) Benefit
Check karein ki kya aap EWS, LIG ya MIG category mein aate hain. Agar haan, toh aapko sarkari subsidy mil sakti hai jo aapke loan ke bojh ko kam kar degi.
3. Tax Benefits (The Tax Saver)
Home loan lene par aapko do jagah tax chhoot milti hai:
- Section 24(b): Saalana ₹2 Lakh tak ke Interest (Byaj) par chhoot.
- Section 80C: ₹1.5 Lakh tak ke Principal (Mool rashi) par chhoot.
Sahi Bank Kaise Chunein? (Top Banks 2026)
| Bank Name | Interest Rate (Approx) | Processing Fee |
| SBI (Home Loan) | 8.40% – 9.15% | Bahut kam / Nil |
| HDFC Bank | 8.50% – 9.40% | 0.5% tak |
| ICICI Bank | 8.75% onwards | ₹5,000 – ₹10,000 |
| LIC Housing Finance | 8.50% onwards | Low |
ArthVeda Pro-Tips: Paisa Kaise Bachayein?
- Joint Home Loan: Agar aap apni wife ya parents ke saath milkar loan lete hain, toh loan milna asaan ho jata hai aur dono ko alag-alag tax chhoot milti hai.
- Short Tenure vs. Long Tenure: 20 saal ke bajaye agar aap 15 saal ka loan lete hain, toh aapka interest ka paisa lakho mein bach sakta hai.
- Part-payment Strategy: Saal mein sirf ek extra EMI bharne se aapka 20 saal ka loan 15 saal mein khatam ho sakta hai.
- Property Documents: Ghar kharidne se pehle ‘Title Search’ aur ‘Encumbrance Certificate’ zaroor check karein taaki koi kanuni jhamela na ho.
ArthVeda Special Quote:
“Ghar wahi jo aapke budget mein ho. Utna hi loan lein jiski EMI aapki salary ke 40% se zyada na ho.”
Ghar kharidna ya rent par rehna? Ye faisla sirf jazbaati (emotional) nahi, balki poori tarah mathematical hona chahiye. “ArthVeda” ke readers ke liye ye Rent vs. Buy calculator logic unhe sahi rasta dikhayega.
Rent vs. Buy: Kya hai aapke liye sahi?
Bharat mein ghar kharidne ka decision in 4 bade factors par depend karta hai:
1. The 5-Year Rule
Agar aap us shehar mein 5 saal se kam rukne wale hain, toh Rent hamesha behtar hai. Ghar kharidne mein Registry, Stamp Duty aur Brokerage ka kharch itna zyada hota hai ki use recover karne mein hi 3-4 saal lag jate hain.
2. Rental Yield (Sabse bada Formula)
Rental Yield ka matlab hai: (Saalana Rent / Ghar ki Kimat) * 100.
- India mein average: 2% se 3% hoti hai.
- Logic: Agar aapka Home Loan interest 9% hai aur rental yield sirf 3%, toh technically aap rent par reh kar 6% bacha rahe hain. Lekin, agar area ka Appreciation (kimat badhna) 10% se zyada hai, toh kharidna behtar hai.
3. Opportunity Cost (Paisa kahan lagaya?)
Maan lijiye aapne 1 Crore ka ghar lene ke liye ₹20 Lakh down payment di.
- Buying: Wo ₹20 Lakh block ho gaye.
- Renting: Agar aap rent par rehkar wahi ₹20 Lakh Mutual Funds (12-15% return) mein lagate hain, toh ho sakta hai ki aapka corpus ghar ki appreciation se bada ban jaye.
ArthVeda Calculator: Comparison Table
| Factor | Renting (Kiraya) | Buying (Kharidna) |
| Upfront Cost | Sirf 1-2 mahine ka Deposit | Down Payment (20%) + Registry (6-7%) |
| Monthly Outflow | Rent (Har saal 5-10% badhta hai) | Fixed EMI (Salary badhne par sasti lagti hai) |
| Tax Benefit | HRA Exemption milta hai | Section 24(b) aur 80C ka fayda |
| Maintenance | Landlord ki zimmedari | Aapki apni zimmedari |
| Asset Creation | Kuch nahi (Zero asset) | Aapka apna ghar (Asset) |
Final Decision Kaise Lein?
| Buy Karein, Agar… | Rent Karein, Agar… |
| Aap 7+ saal usi ghar mein rahenge. | Aapki job transferable hai. |
| Aapki EMI aapki rent se sirf 25-30% zyada hai. | EMI rent se 2-3 guna zyada hai. |
| Aapko emotional security aur “apna ghar” chahiye. | Aap paisa stocks/business mein laga kar 15% return kama sakte hain. |
| Aapka tax bracket 30% hai (Tax bacha payenge). | Aap New Tax Regime mein hain (Jahan Home Loan par chhoot kam hai). |
ArthVeda Pro-Tip:
“EMI is the maximum you pay for your house, while Rent is the minimum. Hamesha hidden costs (Maintenance, Property Tax, Repairing) ko budget mein zaroor jodien.”
Yeh video real data ke saath renting aur buying ke financial fark ko samjhata hai, jo aapke calculation ko aur bhi majboot banayega.