Archive · 1 Oct 2026
Home Loan Planning Can Keep Rising Property Costs Manageable
Buying a home costs more than just the listed property price.
You also need to think about monthly loan payments and other expenses.
First, decide how much you can comfortably pay each month.
Then estimate how much a lender might allow you to borrow.
Keep enough savings for emergencies instead of using all your money for the down payment.
A longer loan can make monthly payments smaller, but it may cost more interest overall.
A shorter loan can save interest, but its monthly payments are higher.
Rising prices should not make you borrow more than your budget can handle.
The goal is to choose a home and loan that remain manageable for many years.
The Reserve Bank of India’s All-India House Price Index rose 3.6% year-on-year in Q1 2025-26, with differences across cities.
Buyers are advised to set a realistic budget using a comfortable EMI, estimated loan eligibility and usable savings.
Loan eligibility should be treated as a planning estimate, not a target, because final approval depends on borrower and property assessments.
Upfront costs may include the down payment, stamp duty, registration, brokerage, legal expenses, furnishing, repairs and moving costs.
Bajaj Finance Home Loan advertises rates starting at 7.25% per annum, loans up to Rs. 15 crore and tenures up to 32 years, subject to eligibility and terms.
- Who
- Prospective homebuyers, lenders and borrowers considering a property purchase.
- What
- The article explains how to set a sustainable property budget by balancing EMI capacity, loan eligibility and usable savings.
- When
- The cited housing-price data covers Q1 2025-26; the article also lists current Bajaj Finance Home Loan features.
- Where
- The discussion concerns home purchases in India, with housing-price movements reported across cities covered by the index.
- Why
- To help buyers avoid overextending themselves as property prices rise and account for repayment, upfront and ongoing ownership costs.
- House-price growth
- The All-India House Price Index rose 3.6% year-on-year in Q1 2025-26.
- Budget framework
- A realistic property budget combines a manageable home loan amount with usable savings.
- Key affordability measures
- Buyers should assess comfortable EMI, estimated loan eligibility and savings available for the purchase.
- Additional costs
- Potential costs include stamp duty, registration, brokerage, legal expenses, furnishing, repairs, moving, maintenance, property tax, insurance, parking and commuting.
- Advertised interest rate
- Bajaj Finance Home Loan rates start from 7.25% per annum, subject to terms and conditions.
- Advertised loan amount
- Bajaj Finance offers loan amounts of up to Rs. 15 crore, subject to eligibility.
- Advertised tenure
- Repayment tenure is available for up to 32 years, subject to eligibility and terms.