u/Flashy-Tap6315

• People focus on EMI, not total interest paid
• “Low interest rates” often hide expensive charges elsewhere
• Salaried applicants get treated very differently from self-employed ones
• Banks quietly extend tenure during floating-rate changes
• Most borrowers underestimate how powerful prepayments are
• Credit score alone doesn’t decide your loan terms
• A lot of home buying decisions are emotional, not financial

The more I looked into it, the more I realized home loans in India are as much psychology as finance.

Would genuinely love to hear from people who’ve taken a home loan, worked in banking, or seen weird cases firsthand. Some stories honestly surprised me.