Save 18 Lakh on Home Loan! Reduce EMI vs Reduce Tenure? | Yuvarani
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0:01 - 🔔 Introduction
0:47 - 📊 Loan Details
1:40 - 🤯 Why EMI Interest Stays High
3:06 - 💸 Total Interest Paid
4:02 - 📉 Strategy 1: Reduce EMI
6:40 - ✅ Strategy 2 : Reduce Tenure
8:35 - 🔥 Final Comparison
9:39 - 💡 Conclusion
Save 18 Lakh on Home Loan! Reduce EMI vs Reduce Tenure? | Yuvarani
Are you paying a home loan EMI every month but still feel like the interest is not reducing? Most people unknowingly lose ₹10–18 lakhs because they choose the wrong prepayment method. In this video, I explain why EMI doesn’t reduce in the first years, how banks use the 80:20 interest–principal split, and the correct way to prepay your loan to save maximum money.
You will learn:
✔ Why EMI interest stays high even after years
✔ Why a 30-year home loan costs ₹88 lakhs interest
✔ How a simple ₹10 lakh prepayment can save ₹18 lakhs
✔ Whether to reduce EMI or reduce tenure for maximum savings
✔ Real calculations for 30-year vs 24-year loan
✔ How to close your home loan faster without stress
If you're planning to take or prepay a home loan, this guide can save lakhs.
Share this with anyone paying a home loan.
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⚠️ DISCLAIMER
This video is created only for educational and informational purposes. The examples, calculations, interest rates, and loan values shared here are illustrative only and may vary based on bank policies and market conditions. This content is not financial advice, and viewers should always consult their bank, financial advisor, or certified professional before making any financial decisions. The creator is not responsible for any actions taken based on this video. Viewers are encouraged to verify all details independently.