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When buying a premium apartment in Gurgaon like Hero Homes The Palatial, selecting the right home loan is key to managing finances wisely. Compare interest rates across lenders and track the RBI repo rate, as it directly affects EMIs. A lower repo rate means cheaper loans, so timing matters. Check for hidden charges, prepayment terms, and choose flexible repayment options. Maintaining a good CIBIL score ensures better rates. Opting for trusted developers like Hero Homes, with bank tie-ups, makes loan approvals faster and smoother.