Owning a home is one of the key achievements in an individual’s life. Till about a decade or two back, it took a lifetime to own a house, unless one was really lucky. But after 1991, acquiring a home has become easier. Home loans offered by banks and housing finance companies (HFC) are a boon for investors. The Reserve Bank of India (RBI) regulates the banks and National Housing Board (NHB) regulates the HFCs. As a home loan user, multiple home loan providers may have offered you the lowest rates. We all love the lowest home loan rates, but are the rates really the lowest? Let us try to de-mystify the workings of the home loan structure.