How home loans and EMIs work for a Bengaluru purchase.
These notes are part of the full set of guides.
The collection beside this one is Interiors & construction.
Another grouping is Investment & rental.
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NRIs buying property in Bengaluru don't need RBI permission for flats, houses, plots or commercial property, and OCIs are treated the same. Agricultural land, farmhouses and plantations are off-limits. Pay only through banking channels or NRE, FCNR(B) or NRO accounts. Register in person or by power of attorney. Use NRE or FCNR(B) if you may want sale money abroad later.
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Insights
The Bengaluru real estate market in 2026 grew slowly in Q3. Sales rose 1% to 12% year on year depending on the tracker, while ANAROCK counted 80,200 unsold homes, up 35% in a year. Average prices rose 8% (ANAROCK) to 11% (Knight Frank). Then on 7 Oct 2026, the RBI raised the repo rate to 5.50%.
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Insights
To work out the repo rate hike EMI impact, start from the RBI's 7 Oct 2026 move: repo up 25 bps to 5.50%. A repo-linked home loan must reset at least every three months, so expect it within one quarter. On an illustrative ₹80 lakh, 20-year loan, 25 bps adds about ₹1,260 a month to a new EMI.
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Insights
Home loan affordability in Bengaluru improved from an EMI-to-income ratio of 48% in 2016 to 30% in 2021, then slipped back to 35% in H1 2026, on Knight Frank's revised series. That figure predates the October 2026 repo rise. Holding everything else equal, we estimate it at about 35.6% now.
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The home loan questions that matter most are the spread over the benchmark, the reset date, every fee in the Key Facts Statement, prepayment terms, and how the loan is disbursed. The mistakes that cost most are comparing headline rates, extending tenure after every hike, and assuming the loan covers stamp duty. It doesn't.
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