Скачать или смотреть Home loan prepayment hack

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Loan amount =₹35 Lakhs
Interest rate=8%
Loan tenure=25 years

Final Interest after paying 12EMI/year =
₹46,04,070

If you paid, then Final Interest would be 13EMI/year =₹ 34,81,814

So by paying 13 emi's per year instead of 12, you are saving 4604070-3481814= ₹ 11,22,256

Out of the ₹27014 that you pay every month, ₹23,333 is paid towards towards the interest which then keeps decreasing to ₹23,309 in the 2nd month upto ₹0 in the 25th year

If you paid that additional emi every month, then amount paid towards interest becomes ₹0 in the 15th year itself.

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