A Ghar.tv deep-dive reveals a fractured Indian property market. In Mumbai, home loans consume a staggering 47% of income, creating a high-risk, high-capital market. In stark contrast, Ahmedabad's 18% ratio signals a market anchored by sustainable end-user demand. This report dissects the data and strategy for navigating India's two-speed real estate economy in 2026.

With EMIs consuming nearly 40% of household income, our 2026 analysis maps property affordability stress in Mumbai, Delhi, and Pune. See which cities are most stretched.

CBRE confirms housing affordability stabilisation across six major Indian metros, driven by rising incomes; analysis unpacks market cues.

A viral LinkedIn debate questions if Mumbai is becoming a city of exit. Explore soaring property prices, shrinking apartment sizes, rising EMIs, affordability gaps and migration trends shaping the city’s real estate future.

Falling home loan interest rates reduce EMIs but don't make homes cheaper. Know why land costs, builder pricing, stamp duty & GST keep property prices high despite RBI rate cuts in India 2026.

India's housing affordability shows divergent trends in 2025 as RBI rate cuts push Mumbai's EMI-to-income ratio below 50% for the first time, while Delhi-NCR witnesses slight pressure due to rising property prices.

RBI's 100 basis point rate cuts in H1 2025 made Mumbai housing affordable for first time, dropping EMI burden to 48% from 50%. Historic milestone for India's costliest real estate market opens doors for middle-class homebuyers.

Understand the Loan-to-Value (LTV) ratio, how it affects home loan approvals, interest rates, EMIs, and mortgage insurance (PMI). Learn smart ways to lower your LTV and secure the best loan deals. Use our LTV calculator to check your eligibility today!

Home loans are popular with the middle class, so minimise your monthly payments. Without adequate preparation, EMIs may strain your monthly budget and increase your loan cost. This blog on Ghar discusses five ways to reduce your home loan EMI.

Balancing monthly EMIs and long-term interest savings requires the correct home loan duration. This Ghar home loan guide covers 6 essential stages to help you choose the right home loan term for financial security.