Real estate expert Balaji Rao takes you beyond the basics — explaining the different home loan schemes, the role of insurance, and the key risks buyers often overlook. In Part 2 of this series, he clears common misconceptions, unpacks subvention schemes, and highlights the pitfalls that every homebuyer should know before signing the dotted line. Whether you’re a first-time buyer, an investor, or simply exploring financing options, you’ll learn about: ✔ Subvention schemes — how they work & hidden risks ✔ Home loan insurance — is it really necessary? ✔ Common myths about loans & repayments ✔ Mistakes buyers should avoid to protect themselves 📌 Haven’t watched Part 1 yet? Catch up here: https://youtu.be/W1rl3WiNMdE ✅ Don’t forget to like, share & subscribe for more expert insights into India’s real estate market. 💬 Got thoughts or questions? Drop them in the comments below! 🔔 Hit the bell icon to stay notified with new episodes every week. Subscribe: YouTube: https://www.youtube.com/@UC7bregx54amP1YNCuDEwmMw Instagram: https://www.instagram.com/propnewstime/ LinkedIn: https://www.linkedin.com/company/prop-news-time/ Website: https://propnewstime.com/ -- 📌 Chapters: 00:00 Precap 00:36 Introduction 01:16 Ready vs Under-Construction Properties 03:31 What is a Subvention Scheme? 04:58 Risks of Subvention Schemes 06:56 Can you get a Home Loan for Land? 08:08 Home Loans for Renovation & Repairs 08:41 Home Loans on properties with legal encumbrances 09:37 Benefits of early repayment of loans 10:22 Mortgage Insurance Explained 10:45 Property Use & Loan Approval 11:59 Does it help to have a preferred lender? 12:44 Fixed Rate VS Floating Rate 14:03 Future of Home Loans with AI & Technology 15:09 Final Takeaways 18:16 Home Loan Myths vs Facts -- #HomeLoanIndia #HousingLoanIndia #IndianRealEstate #HomeLoanSchemes #LoanMyths #BalajiRao #PropNewsTime #RealEstateIndia #PropertyInvestmentIndia
