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Compare how different loan tenures affect your monthly EMI and total interest paid. Find the optimal balance for your budget.
This is one of the most common dilemmas for home loan borrowers. A shorter tenure saves a huge amount in interest but requires a higher monthly EMI. A longer tenure keeps your EMI affordable but costs much more over time.
💡 The golden rule: Choose the shortest tenure where the EMI is below 40% of your net monthly income. If your income grows, use the prepayment option to reduce tenure further. Use our prepayment calculator to model this.