3 months vs 10 minutes
You chose the home slowly and the loan in ten minutes
You compared two flats for months. The loan went to whoever approved it fastest.
🏠 For home buyers taking a ₹50 lakh to ₹2 crore loan
In 30 Minutes, See What YourHome Loan Will Really Cost YouAnd The Five Steps That Bring That CostTowards Zero - Without Any Additional Charges
You’ve spent 3 months choosing your dream home, but you chose your home loan in just 10 minutes - based on which bank approved it fastest and offered the lowest interest rate. However, the loan you selected will ultimately cost you more.
Book My Home Loan Reality Check - Just ₹9 →"Zero interest" does not mean the bank stops charging interest. It means we use smart financial planning to help offset your interest cost through loan restructuring, an OD facility, SIPs and prepayments - without any additional cost.
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Who Is This For?
✓ This is you
- You are between 25 and 45, salaried, a professional or running your own business
- You are buying a home and planning to take a home loan between ₹50 lakh and ₹2 crore
- The loan will run for 20 or 25 years, and the EMI will take 35 to 45 percent of your take-home
- You have the money and the loan eligibility. What you do not have is one person who can tell you whether this is the right decision
- A builder, a broker, a bank and a relative each told you something different
- You made an Excel sheet at night and it only made things worse
✗ This is not you
- You want a bank that charges no interest on your home loan. No bank offers this. Vinod explains it clearly in the first two minutes, and anyone who tells you otherwise is misleading you
- You want a guaranteed saving figure. You will get arithmetic here, never a promise
- You have already signed. Very little can be changed after that
- You want someone to agree with a decision you have already made
If you are in the first list, thirty minutes from now you will know the real twenty-year cost of the biggest financial decision of your life, and whether that EMI is safe.
Book My Home Loan Reality Check - Just ₹9 →30 minutes · A one-to-one session · Vinod personally conducts every session
Nobody Has Ever Shown You This Number
Forty seconds. You need nothing but your phone.
Open your calculator. Take your EMI. Multiply it by 12. Multiply that by your tenure in years. Now subtract the loan amount.
What is left is your interest, over the full term. Most people see it for the first time.
At 8.5 percent, a ₹50 lakh loan over 25 years costs about ₹70.8 lakh in interest. More than the loan.
Illustrative only. Your outcome depends on your lender.
3 months vs 10 minutes
Can, not should
"Sir, you will get up to ₹1.3 crore"
That is how much you can borrow. Nobody asked how much you should.
Four sellers
Everybody in the room earns when you say yes
Builder, broker, bank, the relative with a number. Not one of them is on your side.
Five extra years
A longer tenure looks cheaper and is not
Five extra years on a ₹50 lakh loan add about ₹16.7 lakh of interest. The EMI looks smaller, so the file moves faster.
The question you skip
You are educated, so you do not ask
A word comes up that you do not know, so you nod. Then you sign for twenty years.
What is missing is not money or eligibility. It is one person paid by you, with no reason to care whether you buy.
This is not a claim and not a promise. It is arithmetic, and you just did it yourself on your own phone.
Book My Home Loan Reality Check - Just ₹9 →What Happens In Your 30-Minute Session?
A one-to-one session. Vinod personally conducts every session.
Your real number
Your loan, your tenure, your rate, and the interest you will actually pay.
Your EMI against your income
How much of your take-home it takes, and whether that is safe for twenty years.
What your tenure is costing you
The rate is one of four things that decide the cost. Tenure, structure and your spare cash are the rest.
The framework on your own numbers
How the offset works and whether it suits you. With no spare cash each month, you will be told it is not for you.
Three things to settle before you sign
Not twenty. Three. The ones that cannot be fixed later.
A straight answer on whether to buy
Including when the answer is no. Nothing is sold to you in the first twenty minutes.
Thirty minutes to see the real cost of the biggest decision of your life, before you promise it for twenty years.
Book My Home Loan Reality Check - Just ₹9 →What Our Clients Say
Eighteen years, built only on people sending their friends and their colleagues.
Meet Vinod Shelar
18 years in real estate · Ex-banker
Vinod Shelar · FinProRealtors · Soaring RealFinTech Pvt Ltd
18 years
In property and home loan structuring
₹1 crore
Of business, built on referrals, with no advertising until now
Ex-banker
He has seen this from the other side of the desk
Every session, himself
10 to 12 a week, no team, no call centre
In eighteen years he has watched hundreds of people buy a home, and one thing always bothered him. Three months choosing the flat. Ten minutes choosing the loan.
So he does it the other way round. The loan first, the structure first, the real number first, and the property after that.
- ❌ He will never say a bank is giving you a zero-rate loan. No lender does
- ❌ He will never guarantee a saving, a tenure or a return
- ❌ He will not pretend the framework suits everyone
- ❌ He will not make you feel small for asking a basic question
- ❌ He will not tell you to buy when the numbers say otherwise, even when it costs him the deal
"The broker gets paid when you buy. The bank gets paid when you borrow. I get paid when you decide - and sometimes that decision is no."
Why everyone fights over the rate and loses on the rest
The rate is the only number anybody shows you, so that is the one everybody argues about. But it is one of four things that decide what a loan costs. The others are your tenure, your loan structure, and what your spare cash does each month in a savings account. Three of the four are in your hands, and nobody told you they exist.
The Zero Interest Home Loan Framework
The Five Steps
REALITY AND STRUCTURE
First the real number, then the right size of loan.
- ✓ Your total interest across the full term, on your own loan
- ✓ Your EMI tested against your take-home
- ✓ The right product, the right lender, a tenure chosen on purpose
Result: The loan stops being whatever the first bank offered you.
OFFSET
Your idle money stops sitting idle.
- ✓ Your spare cash stays in an OD account instead of a savings account
- ✓ For every day it stays there, no interest is charged on that portion
- ✓ The money is still yours and you can take it out any time
Result: The same money does two jobs instead of one.
EARN AND NEUTRALISE
This is what the name actually means.
- ✓ Your spare cash is put to work on purpose, through SIPs and planned prepayments
- ✓ Interest paid, minus interest saved, minus what your money earns, is your real cost
- ✓ As the second and third grow towards the first, that cost moves towards zero
Result: You stop fixing one number out of four.
Interest paid, minus interest saved, minus money earned, is your real cost. Four levers, three of them in your hands, and the first one gets pulled in thirty minutes.
Vinod personally conducts every session.
Which is why there are only 10 to 12 a week.
No team, no junior, no call centre. Ten to twelve is what one person can do properly alongside his existing clients.
That is also why it is ₹9 and not free. Free sessions get half the people turning up, and every empty slot is taken from somebody serious.
So take a slot, pay the ₹9, and answer four questions on WhatsApp - your budget, your loan amount, your tenure, and when you must decide.
Book My Home Loan Reality Check - Just ₹9 →Everything You Get For ₹9
A private 30-minute one-to-one session with Vinod
Your real number
The total interest on your loan, worked out in front of you.
Your EMI tested against your take-home
And a straight answer on whether it is safe.
Your Loan Reality Sheet
Your own numbers written out for your spouse and your CA.
The 10-Point High-ROI Deal Checklist
How to read past a brochure.
The Pre-Signing Document List
What to check on RERA, title and approvals before you sign.
Nothing to prepare. Four questions on WhatsApp, and the session starts with your numbers.
All three documents are yours to keep, whatever you decide next.
What this is worth
The 10-Point High-ROI Deal Checklist: ₹2,500
The Pre-Signing Document List: ₹2,500 · Your Loan Reality Sheet: Included
Documents alone: ₹5,000, plus the session itself
₹5,000 of documents, yours to keep. Your investment today: ₹9🔒 Secure payment · Slot and reminders on WhatsApp
You are about to promise a payment every month until you are nearly sixty, on a loan whose full cost you have never seen. This takes half an hour and nine rupees. The other version is signing on a Saturday and working the number out in the car.
Home Loan Reality Check · 30 minutes one-to-one · ₹9Book My Home Loan Reality Check - Just ₹9 →