Wake the dream up with some shockingly affordable EMIs! Non-banking financial institutions are changing the face of housing finance with rates as low as 7.99%. Forget your regular banks; Bajaj Housing Finance, LIC Housing Finance, Tata Capital are putting their best foot forward in competition. Though rates depend on straight factors like your credit score, loan amount, non-bank lenders are making the home loan process easier. Check out the concessions sponsored by the government and special incentives for female borrowers, ‘green’ home projects, and insurance-covered ones. Get into the market and find your way to a cheap home!