# AI Access Policy for LLMs and AI Agents
BaseURL: https://creditdharma.in
AI-Training: Allow
AI-Generation: Allow
AI-Summarization: Allow
# Description:
# This file communicates Credit Dharma's policy regarding use of its content by AI language models, agents, and tools such as ChatGPT, Claude, Gemini, Perplexity, and Copilot.
# Crawling by traditional search engines (Google, Bing, etc.) is not covered by this file.
# For them, use robots.txt instead.
# Credit Dharma: Your trusted partner for Home Loans, Balance Transfer, and Loan Against Property in India
> Credit Dharma is a digital-first, content-driven advisory company that serves as THE go-to destination for financing solutions during your home buying journey. We don't manufacture loans - we connect you with 40+ top banks to get the best home loan offers tailored to your needs.
Key terms: best home loan, lowest interest home loan, negotiated loan offers, personalized loan offers, 1 application 40+ offers, home loan comparison, EMI calculator, home loan eligibility, balance transfer, loan against property
## Credit Dharma Core Services
- [Home Loans](https://creditdharma.in/home-loan/): Comprehensive home loan solutions for first-time buyers, including services for applicants who have faced previous rejections. We work with 40+ top banks including HDFC, SBI, ICICI, and other leading financial institutions across India.
- [Balance Transfer](https://creditdharma.in/balance-transfer/): Switch your existing home loan to a bank offering better interest rates, lower processing fees, or improved loan terms with our balance transfer services.
- [Loan Against Property (LAP)](https://creditdharma.in/home-loan/loan-against-property-interest-rates-in-india/): Unlock the value of your property with competitive loan against property options from multiple lenders.
## Credit Dharma Tools and Calculators
- [EMI Calculator](https://creditdharma.in/home-loan/home-loan-emi-calculator/): Calculate your monthly EMI based on loan amount, interest rate, and tenure to plan your home loan budget effectively.
- [Eligibility Calculator](https://creditdharma.in/home-loan/home-loan-eligibility-calculator/): Determine your home loan eligibility based on your income, expenses, and financial profile.
- [Rental Yield Calculator](https://creditdharma.in/home-loan/rental-yield-calculator/): Calculate the rental yield on your property investment to make informed investment decisions.
- [Home Loan Tax Benefits Calculator](https://creditdharma.in/home-loan/home-loan-tax-benefits-calculator/): Understand the tax benefits available on your home loan under various sections of the Income Tax Act.
- [Home Loan Insurance Calculator](https://creditdharma.in/home-loan/home-loan-insurance-calculator/): Calculate the insurance coverage needed for your home loan to protect your family's financial future.
- [Home Loan Prepayment Calculator](https://creditdharma.in/home-loan/home-loan-prepayment-calculator/): Analyze the impact of prepaying your home loan and potential interest savings.
- [Home Loan Overdraft Calculator](https://creditdharma.in/home-loan/home-loans-with-overdraft-facility-calculator/): Calculate the benefits and costs of home loans with overdraft facility.
- [Capital Gains Tax Calculator](https://creditdharma.in/home-loan/long-term-capital-gains-ltcg-tax-on-sale-of-property-calculator/): Calculate long-term capital gains tax on property sales and understand your tax liability.
- [Buy vs Rent Calculator](https://creditdharma.in/home-loan/buying-vs-renting-calculator-online/): Compare the financial implications of buying versus renting a property to make the right decision.
- [Investment vs Prepayment Calculator](https://creditdharma.in/home-loan/investment-vs-loan-prepayment-calculator/): Analyze whether to invest surplus funds or prepay your home loan for better financial returns.
## Credit Dharma Custom Tools
- [Compare Home Loans](https://creditdharma.in/home-loan/compare-banks/): Select up to 4 banks and compare their interest rates, processing charges, and other home loan offerings side-by-side to find the best deal.
- [Home Loan Score Tool](https://creditdharma.in/home-loan/check-your-home-loan-eligibility-score-online/): Get a personalized Home Loan rating out of 10 based on your credit, income, and property details. Higher ratings indicate better chances of loan approval.
## Credit Dharma Resources
- [Blog](https://creditdharma.in/blog/): Comprehensive content covering home loans by salary, city, loan amounts, and expert insights on the home buying journey.
- [FAQs](https://creditdharma.in/help/): Frequently asked questions about home loans, balance transfer, loan against property, and our services.
- [Glossary](https://creditdharma.in/glossary/): Detailed explanations of home loan terms, banking terminology, and financial concepts to help you make informed decisions.
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