{"id":955,"date":"2024-09-06T17:22:01","date_gmt":"2024-09-06T11:52:01","guid":{"rendered":"https:\/\/www.jashnrealty.com\/blog\/?p=955"},"modified":"2025-04-10T12:48:00","modified_gmt":"2025-04-10T07:18:00","slug":"common-misconceptions-about-home-loans-and-fact-checks","status":"publish","type":"post","link":"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks","title":{"rendered":"Common Misconceptions About Home Loans &amp; Fact Checks"},"content":{"rendered":"\n<p>Thanks to home loans, many people have realized their dream of owning a home. It\u2019s a common financial decision and pathway that guides people in their financial well-being. However, there are many misconceptions associated with home loans. Such myths may lead you to miss certain perks or even cause financial burdens. So, we have created a list of myths and fact checks side by side to provide you with the right information.<\/p>\n\n\n\n<p>Let\u2019s check it out.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Common_myths_about_home_loans\" >Common myths about home loans:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#1_Home_loans_with_fixed_rates_are_the_best_options\" >1. Home loans with fixed rates are the best options<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Fact_checks\" >Fact checks<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#2_Floating_interest_rates_impact_home_loan_EMIs\" >2. Floating interest rates impact home loan EMIs<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Fact_checks-2\" >Fact checks<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#3_You_can_get_tax_benefits_only_on_ready-to-move_properties\" >3. You can get tax benefits only on ready-to-move properties<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Fact_checks-3\" >Fact checks<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Home_loan_insurance_is_obligatory\" >Home loan insurance is obligatory<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Fact_checks-4\" >Fact checks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Home_loan_interests_are_non-negotiable\" >Home loan interests are non-negotiable<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Fact_checks-5\" >Fact checks<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Home_loan_prepayment_attracts_heavy_chargespenalties\" >Home loan prepayment attracts heavy charges\/penalties<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Fact_checks-6\" >Fact checks<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_myths_about_home_loans\"><\/span>Common myths about home loans:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Home_loans_with_fixed_rates_are_the_best_options\"><\/span>1. Home loans with fixed rates are the best options<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One common myth that is deep rooted in homebuyers is that fixed rate loan options are the best. Fixed rate loans have a steady and constant interest rate throughout the repayment tenure. However, they usually have a higher interest rate as compared to <a href=\"https:\/\/www.jashnrealty.com\/blog\/different-payment-plans-for-homebuyers\">other payment options<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fact_checks\"><\/span>Fact checks<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Home loans with floating interest depend on market conditions. The fluctuation allows homebuyers to get lower rates over the years. However, the fluctuation rates have remained stable below 10%, which makes it a little less expensive than fixed-rate loans. It would help if you consider any of these loan rates based on your financial objectives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Floating_interest_rates_impact_home_loan_EMIs\"><\/span>2. Floating interest rates impact home loan EMIs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Another misconception about home loan is that the floating interest rates can change the equated monthly installments. Let\u2019s fact check it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fact_checks-2\"><\/span>Fact checks<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>The EMI amount remains the same even with the floating interest rates. It works interchangeably. For example, when the rates fluctuate, EMI goes towards the principal. However, when it goes higher, the EMI goes towards the interest rates. If you want to change or lower your EMI amount, choose a balance transfer or opt for partial payment. Whichever option you choose, it impacts your EMI.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_You_can_get_tax_benefits_only_on_ready-to-move_properties\"><\/span>3. You can get tax benefits only on ready-to-move properties<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In real estate, a common myth is that buyers can get income tax benefits only on ready-to-move projects. Under-construction properties do not offer any tax benefits. Those who are planning to <a href=\"https:\/\/www.jashnrealty.com\/3-bhk-flats-in-lucknow\">buy a flat in Lucknow<\/a> or any other part of India must fact check it below.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fact_checks-3\"><\/span>Fact checks<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Besides ready-to-move properties, you can avail of tax benefits on under-construction projects, too. After taking possession of the property, you can claim the tax deductions on its interest in five equal EMIs. This works the same way the tax benefits work for ready-to-move properties.<\/p>\n\n\n\n<p>Tax benefits are available for under-construction properties as well. You can claim deductions on the pre-construction interest in five equal instalments after taking possession of the property. This provides tax benefits similar to those for ready-to-move properties.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_loan_insurance_is_obligatory\"><\/span>Home loan insurance is obligatory<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is said that home loan insurance is an obligatory term need. You need to take the insurance along with your home loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fact_checks-4\"><\/span>Fact checks<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is not obligatory to take home loan insurance. However, RBI recommends that every homebuyer must consider it to avoid unforeseen circumstances and enable their family members to pay it back in such conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_loan_interests_are_non-negotiable\"><\/span>Home loan interests are non-negotiable<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is a deep-rooted misconception that home loan interest rates are non-negotiable. Buyers think that whatever rates lenders offer is fixed and they can\u2019t get a bargain.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fact_checks-5\"><\/span>Fact checks<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Interest rates offered by banks are negotiable. If you aren\u2019t happy about it, you always have the chance to negotiate it with the lender. But the catch is if you have a good financial record and credit score, you can ask the lender for negotiations. It is possible that banks will lower their rates for borrowers with good credit histories.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_loan_prepayment_attracts_heavy_chargespenalties\"><\/span>Home loan prepayment attracts heavy charges\/penalties<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many homebuyers have the misconception that prepaying their home loan will incur heavy penalties.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fact_checks-6\"><\/span>Fact checks<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Prepaying your home loan doesn\u2019t attract heavy penalties. But some banks may charge you for prepaying the home loan if the moder of repayment is balance transfer. The charges may vary as per the bank\u2019s terms and conditions. It may go from 3% to above as per their guidelines.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ignoring myths and knowing the facts helps you make a well-informed decision. If you are a first-time buyer, consider paying off your loan early and exploring other options that fall within your budget.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thanks to home loans, many people have realized their dream of owning a home. It\u2019s a common financial decision and pathway that guides people in their financial well-being. However, there are many misconceptions associated with home loans. Such myths may lead you to miss certain perks or even cause financial burdens. So, we have created [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":958,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[200,199],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Common Misconceptions About Home Loans &amp; Fact Checks<\/title>\n<meta name=\"description\" content=\"There are common myths about home loans in the market. 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