When you’ve finally repaid your loan, the last thing you want is a lingering worry about documentation. This is where a NOC (No Objection Certificate) becomes essential. It’s the official proof that your loan is fully cleared and the lender has no claims on you. In this guide, we explain everything about NOC, why it’s … Read more
India is rapidly transitioning towards greener mobility solutions🌱🚗⚡, and Electric Cars are playing a crucial role in this shift. With the rise in demand for electric vehicles (EVs) in 2025, the Indian government has introduced several incentives and subsidies for buyers💰. The Electric Car Loan market is expanding📈, providing more affordable options for consumers. In … Read more
Transferring a home loan sounds difficult, but the process is actually simple if you understand each step clearly. When you Transfer a Home Loan, you move your existing loan from your current bank to a new bank that offers a better interest rate or better services. This small change can help you save a lot … Read more
Home Loan Without Income Proof allows you to apply for a housing loan without submitting traditional income documents such as salary slips, Income Tax Returns (ITR), or bank statements. 🏠 This option is especially useful for self-employed professionals, freelancers, small business owners, and cash-based earners who may not have formal proof of income. Many people … Read more
A Home Loan Top Up is one of the simplest ways to get extra money without applying for a new loan. It is loved by students, parents, first-time borrowers, and even beginners because it offers low interest rates, quick approval, and no heavy paperwork. In this kid-friendly, super-simple guide, you’ll learn how a Home Loan … Read more
When it comes to home loan tax benefits, 80EE vs 80EEA is one of the most searched comparisons by first-time homebuyers. 🏠 For middle-class salaried Indians—especially EMI users—understanding these two sections can help save up to ₹3.5 lakh in taxes every year. 💸 Both Section 80EE and 80EEA offer additional interest deductions over Section 24(b), … Read more
Buying a home is one of life’s most exciting milestones 🏡, but it also requires careful planning and smart financial decisions 📝. One key factor that many first-time buyers often overlook is understanding the roles of Applicant and Co Applicant in home loans. Knowing who is responsible for repayment, how eligibility is calculated, and what … Read more
Buying your first home is a dream come true — but it’s also a journey full of questions, paperwork, and financial decisions. Most first-time buyers unknowingly commit several Home Loan Mistakes that result in higher interest, multiple penalties, loan rejection, or unnecessary stress. This expanded guide for EMICalculator24 readers explains everything in a simple, practical, and … Read more
Many self-employed people face this issue — they earn well but don’t have an income tax return (ITR). Most banks ask for ITR as income proof before giving a loan. So, is there any way to get a personal loan for self employed without ITR? Yes! 💡 It’s possible. This guide explains simple steps, documents, … Read more
When it comes to managing your finances, knowing the difference between short term vs long term loans can make a huge difference 💸. Choosing the right loan type helps you save money, reduce stress, and achieve your financial goals faster. In this guide, we’ll explore short term vs long term loans, highlight their pros and … Read more