Note (September 2026): Several details in this older article are out of date. DHFL defaulted in 2019 and its business was taken over by Piramal in 2021, and the Tata Housing 3.99% rate was a time-limited promotion that has ended. Compare current home-loan rates from several lenders before you apply.
Do you know that with DHFL Home Loan you can also take advantage of the Home loan on your credit card. Many people take credit cards but their guides remain deprived of facilities due to lack of proper guidance?
Actually, many banks are also giving you the benefits of home loans on credit cards. A credit card guideline, along with a home loan company, is mentioned. Through which you get a home loan in any opposite situation.
Why should a home loan?
Under the old tax regime, you can deduct up to ₹2 lakh a year of home-loan interest on a self-occupied home, and principal repayments count towards the ₹1.5 lakh investment deduction (Sections 24(b) and 80C of the Income-tax Act, 1961; the Income-tax Act, 2025 moved these to new section numbers from April 2026). These deductions are not available under the new tax regime, which is now the default. Thus, taking home loans can create a dream house and can handle other works while saving financially without any financial crisis.
Let’s assume that you have an accident somewhere. And your bill is about fifty thousand. Check whether your loan or insurance includes accident cover, as terms vary between lenders and insurers.
Tata Group’s Realty firm Tata Housing has offered the lowest rate housing loan so far. The company is offering only 3.99% interest to buy the house. This offer is applicable to 11 projects of the company running across the country.
For this, the company has partnered with Indiabulls Home Loans.
Can you take extra credit on the basis of your income and loan ratio? How much extra credit can you get?
By looking at your CIBIL report and understanding how banks will look at it to make a decision on your loan, you can prepare better for applying for a loan, and you can adjust about getting a loan.
Your CIBIL report and Transunion score not only determine whether you are eligible for a home loan or not but also the terms and conditions applicable to the loan.
The higher the score, the greater your chance of getting a loan, and you will be able to get it on similar terms. Therefore, check your CIBIL report before applying for a loan.
Here are some precautions that can help you keep your CIBIL report and score well.
1] Return your outstanding loan on time
Be sure to fill your loan’s EMI and your credit card bills before the end date of the month. Your payment history has a significant impact on CIBIL Transunion Score. The timely payment of the EMI and credit card bills will assist you in maintaining a high credit score and a healthy credit report.
2] Control your credit card limit
It is not necessary to spend more on your credit card that your CIBIL will negatively affect the TransUnion score. Increasing the outstanding balance on a credit card increases the burden of your payment and can have the negative impact on your score. Always remember not to use credit much.
3] Limit the risk of credit
The total size of your loan reflects your credit report and affects your CIBIL TransUnion score. Many loans or credit cards increase your credit amount and credit risk. Higher credit risk impacts your CIBIL Transunion score. If you have many loans, make sure you pay some of them so that your total credit risk decreases before applying for a new loan.
