Home Loan Deep Dive Every Buyer MUST WATCH! | TKMP #105

Thinking of buying a home, plot, or commercial property in India — or even abroad? One wrong loan decision can cost you lakhs. In TKMP #105, Kishen Milaney sits down with Mr. Mandar Pujari — Founder & CEO, Investa Associates, Member of NAR India & PROP, Founder & Secretary of Advisor Welfare Association — who has cleared over 20,000 loan proposals in his career. This is the complete deep dive on home loans every Indian buyer needs before they sign anything. From eligibility and CIBIL to fixed vs floating, LAP, LRD, construction finance, NRI loans, balance transfers, reverse mortgage and REITs — we cover every loan product relevant to real estate, for buyers across every asset class, within India and abroad. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🏠 WHAT WE COVER IN THIS EPISODE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🏦 SEGMENT 1 — The ABC of Home Loans → The 4 Pillars of Eligibility: Income & FOIR, CIBIL Score, LTV, and Property Title/RERA → Fixed vs Floating Interest Rate — the big debate and what makes sense in India today → Pre-EMI vs Full EMI for under-construction properties — what looks cheaper vs what IS cheaper → 🎭 CASE STUDY 1 — The Fixed-Rate Kurbaan: Why locking a fixed rate cost one buyer thousands every month 💰 SEGMENT 2 — The Hidden Loan Products Most Buyers Never Use → Loan Against Property (LAP) — how your first property can fund your second → Top-up Loans — cheaper than a personal loan, but only if you use it with discipline → Lease Rental Discounting (LRD) — the liquidity tool for commercial investors with rental income → Plot Loans & Construction Finance — why LTV is lower and how disbursement in tranches works → 🎭 CASE STUDY 2 — The Over-Leveraged Landlord: How 4 flats bought with leverage became 3 EMIs too many 🌍 SEGMENT 3 — NRI & Overseas Buying: Dubai Se Dilli Tak → NRI Home Loans for buying in India — eligibility on foreign income, NRE/NRO repayment, documents & POA → Buying property ABROAD — why your Indian home loan can't fund it and how Dubai/Singapore financing actually works → Currency risk, DLD fees, off-plan vs ready — the all-in cost most buyers forget → 🎭 CASE STUDY 3 — The Dubai Off-Plan Dream: The 20% down payment that came with 4 hidden costs → Tax & Repatriation — TDS, capital gains, and DTAA explained simply 🔓 SEGMENT 4 — What Banks Don't Tell You: Refinance, Reverse Mortgage & REITs → Balance Transfer & Prepayment — The Free Money Method to save lakhs on your existing loan → 🎭 CASE STUDY 4 — The Free Money: How one Pune couple saved lakhs with a single transfer → Reverse Mortgage — how seniors can unlock liquidity while staying in their own home → REITs & SM REITs — real estate returns without buying property or taking an EMI → When NOT to Take a Loan — the behavioural check every buyer must do before borrowing Whether you are a first-time home buyer, investor, or NRI planning your next purchase — this is the insider's perspective you won't find anywhere else. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ⏱️ CHAPTERS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 00:00 — Introduction & Guest Background 02:50 — Segment 1: The ABC of Home Loans & The 4 Pillars of Eligibility 05:30 — Ideal Loan Tenure & The Rule of Thumb for Home Loans 10:20 — Fixed vs Floating: The Big Debate 11:45 — Pre-EMI vs Full EMI Explained 15:30 — Segment 2: The Hidden Loan Products 16:45 — Top-up Loans vs LAP 19:35 — Lease Rental Discounting (LRD) for Commercial Investors 23:15 — Plot Loans & Construction Finance 28:30 — Segment 3: NRI Home Loans & Overseas Buying 29:30 — Tax, Currency & Hidden Costs 33:00 — Segment 4: Balance Transfer, Prepayment & The Free Money Method 36:30 — Reverse Mortgage & REITs: Property Without EMI 40:00 — When NOT to Take a Loan — The Final Check 45:00 — Key Takeaways & Closing Thoughts 📌 Don't forget to Like, Share, and Subscribe for more expert-driven real estate content! Stay Connected: Instagram - https://instagram.com/kishenmilaney?i... Facebook -   / kishen.milaney.9   LinkedIn -   / kishen-c-milaney-8176ba1b   For Podcast Enquiries - thekmpod@gmail.com OR Message us at - https://wa.me/message/2YO76VPNMMJDN1 ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ #HomeLoan #HomeLoanTips #LoanAgainstProperty #RealEstateIndia #PuneRealEstate #NRIRealEstate #TKMP #TheKishenMilaneyPodcast #MandarPujari #InvestaAssociates #PropertyInvestment #REITIndia #ReverseMortgage Home loan, home loan eligibility, home loan interest rate, loan against property, NRI home loan, plot loan, construction loan, Pune real estate, Kishen Milaney, Mandar Pujari, Investa Associates, TKMP, The Kishen Milaney Podcast, real estate podcast India, home buying tips