Avoid 3rd party loan agent and prefer direct bank home loan agents only.
Prefer nationalise finance institutions like SBI, Bank of Indian or better loan rates in addition to clean process, or
you can perfer a mortgage specialized bank like HDFC Mortgage Finance Ltd for a clean and quick process.
Pre-approved home loan gives an advantage while negotiating your house buying deal.
Your home loan EMI really should not be more than 40% of your current take away(net) salary.
Go for just a longer home loan tenure(20 years+) because low EMI, rupee devaluation and property price appriciation over a period of time more benefitial.
Try making home loan pre-payments as an element of your yearly investments as it reduces the property loan principal amount. Reducing loan EMI amount or maybe loan period is optional and take what assists you to the best.