Can anyone guide me that what to do before taking a loan? I hv some queries regarding home loan. I am putting up in noida. 1. Is it right time to take the home loan? 2. Is there any hope in reducing of home loan rate? 3. What should be my approach, shoule I try to pay down payment as much as possible or should take the home loan more? 4. Which bank would be best for me? 5. Before signing the loan what parameters I should keep in my mind?