A home loan, also known as a mortgage, is a financial tool that helps individuals purchase their dream home without paying the full amount upfront. Offered by banks and financial institutions, a home loan allows borrowers to spread the cost of the property over several years through monthly repayments, which include both the principal amount and interest. Home loans come in various types, such as fixed-rate loans, where the interest remains constant, and variable-rate loans, where the interest may change based on market conditions. Many lenders also offer flexible repayment options and additional features like top-up loans or balance transfers. To qualify for a home loan, applicants usually need a stable income, a good credit history, and the ability to make a down payment. Buying a home is one of the biggest financial decisions a person can make, and a home loan plays a vital role in making homeownership accessible and achievable. With the right loan and careful planning, owning a home can become a reality rather than just a dream.