Chhoti si planning se aap lakhs of rupees interest bacha sakte hain. Tenure, prepayment aur balance transfer ki poori strategy.
Home loan EMI kam karne ka sabse aasan tarika hai down payment badhana — 25-30% down payment karne se principal kam ho jaata hai aur interest bhi. Doosra, loan tenure lambi rakhein to EMI kam hoti hai lekin total interest badhta hai, isliye balance banayein. Credit score 750+ rakhein — isse banks kam interest rate offer karte hain, aur 0.5% ka difference bhi 20 saal me lakhs bacha deta hai. Har saal ek extra EMI prepay karein — isse tenure 4-5 saal tak ghat sakta hai. Balance transfer option check karte rahein: agar dusra bank 0.75% kam rate de raha hai to switch karna profitable ho sakta hai. Joint home loan lein — dono applicants ko tax benefit milta hai Section 80C aur 24(b) ke under. Aur floating rate choose karein jab rates girne ki ummeed ho. Humari website par EMI calculator use karke aap har property ki monthly installment turant dekh sakte hain.
