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Home Loan Personal Loan RBI 2026
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Floating-rate home loan? Foreclosure must be free. RBI rules — the 2012 circular for existing loans, restated in the Pre-payment Charges Directions, 2025 (effective 1 Jan 2026 for loans sanctioned/renewed on or after that date) — prohibit foreclosure, prepayment and part-payment charges on floating-rate home loans to individuals. We flag banks still charging you and draft the letter. Read the RBI notification →
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