Loan & EMI Guides

How EMIs work, prepayment choices and comparing loan costs without jargon.

Guides in this cluster

How EMI works

Reducing-balance EMI, interest vs principal split, and why tenure changes total cost.

5 min read · Updated August 2026

Loan prepayment strategies

Tenure cut vs EMI cut, lump-sum timing, and questions to ask before prepaying.

6 min read · Updated August 2026

How much home loan can I afford?

Estimate loan size from income, existing EMIs and a FOIR-style EMI cap—then compare with the EMI for the property you want.

8 min read · Updated August 2026

Home loan tenure: EMI vs total interest

Why a longer home-loan tenure lowers EMI but usually raises lifetime interest—and how to compare 20 vs 25 years honestly.

6 min read · Updated August 2026