Affordable housing gets easier as PNB, Bank of Baroda, Canara Bank, Union Bank & SBI re-introduce 100% loan-to-cost for flats ₹30–50 L till 31-Dec-2025. Eligibility: income ₹6–12 L, CIBIL ≥700, must be first-time buyer. Product name: SubhAarambh, Home Advantage, etc. Fine print: 0.35% processing fee, mandatory mortgage insurance (0.9% one-time), 10-year fixed-rate reset. We compare EMI outflow vs 90% loan and caution on negative equity risk if prices dip. Keywords: 100% home loan, affordable housing finance, zero down-payment.