1. DISCOUNTS: Both builders and banks have traditionally offered discounts around Dhanteras, by offering considerable discounts, and waiving off certain charges or even sweetening the deal for prospective home buyers. Dhanteras 2015 is especially exciting, since the RBI, the apex bank of the nation, announced a cut in its repo rate or the rate at which it lends to the commercial banks in India, by 50 bps in late September. Soon after the rate cut by RBI, State Bank of India slashed its lending rate by 0.40%. The new interest rates for home loan buyers thus stands at 9.55%. The largest private banks, namely, ICICI Bank, HDFC Bank and Axis Bank have also cut their home loan rates by 0.25%. The new rates of lending thus range between 9.60-9.65%. Builders today are not only offering substantial discounts but are also waiving off ancillary charges such as a floor rise charge or the stamp duty fee. Others are providing perks such as complimentary membership to clubhouses or gym membership within the apartment complex. Make sure you research thoroughly and avail of as many of these discounts and exemptions as possible from the builder as well as your lender.