🔑 3 Smart Home Loan Tricks That Can Save You Lakhs ₹
(Banks will never tell you this)
🏠 ₹50 Lakh Home Loan | 25 Years | ₹40,000 EMI
📊 First-Year Reality Check:
₹4.8 Lakh paid →
👉 ₹60,000 goes to principal
👉 ₹4.2 Lakh goes to interest
⚠️ Almost 88% goes as interest!
💡 Here’s how to beat the system:
✅ Trick 1: Pay 1 Extra EMI Every Year
✔ Save ₹15 Lakh+ interest
✔ Loan tenure reduces to ~20 years
✅ Trick 2: Increase EMI by 7.5% every year
✔ Save ₹35 Lakh interest
✔ Loan closes in ~12 years
₹40K → ₹43K → ₹46K
🔥 Trick 3: Combine Both (Game Changer!)
✔ 1 Extra EMI + 7.5% annual increase
✔ Loan closes in ~10 years
✔ ₹47 Lakh interest saved!
📌 Smart planning > long EMIs
📩 DM HOME LOAN to plan it right with experts.
📞 Contact Shivafinz Today
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