If you’re planning to buy a home, you’ve probably come across the term LTV, or Loan-to-Value ratio. But what exactly does it mean—and how can it affect your home loan approval? At Shivafinz, we believe in empowering home buyers with
Are you still paying a high-interest rate on your home loan? You might be losing lakhs over the loan tenure without even realizing it. A Home Loan Balance Transfer allows you to switch your existing loan from one lender to
Thinking of renovating your home or consolidating existing loans? A Home Loan Top-Up might be your smartest financial move yet. A home loan top-up is an additional amount that a borrower can avail on top of their existing home loan.
Missing an EMI (Equated Monthly Installment) on your home loan can be stressful—but it’s not always a disaster if handled correctly. Whether it’s your first miss or a recurring issue, understanding how banks and credit bureaus treat these situations is
CIBIL Score 720+? Loan still denied? You’re not alone—many educators across India are facing this issue, and it has less to do with your financial health and more to do with your institution’s registration status. 💡 The Hidden Reason Behind
Introduction Applying for a home loan can feel like a dream come true—until you check your CIBIL score and find it’s -1 or 0. Many individuals, especially first-time borrowers or freelancers, often face this situation due to a lack of
Home loans are long-term commitments, often stretching up to 20–30 years. But what if your financial situation improves and you want to pay off your loan early? The big question many homebuyers ask is: 👉 “Can I prepay my home
When applying for a home loan, most borrowers focus on the interest rate, EMI, and loan amount. But what often goes unnoticed are the hidden charges that banks and NBFCs may apply during the loan process. These costs can significantly
Buying a home is not just a dream—it can also be a smart financial decision. One of the biggest advantages of taking a home loan in India is the tax benefit you get under the Income Tax Act. If you’re
Buying or owning a B Khata property in India? If you’re facing issues with home loan rejections, you’re not alone. B Khata properties often fall into grey zones for banks and NBFCs, making it harder to secure a loan. But
