{"id":1376,"date":"2024-07-13T09:44:29","date_gmt":"2024-07-13T09:44:29","guid":{"rendered":"https:\/\/dailybulls.in\/featured\/?p=1376"},"modified":"2024-07-31T17:36:07","modified_gmt":"2024-07-31T17:36:07","slug":"factors-to-consider-while-prepaying-your-home-loan","status":"publish","type":"post","link":"https:\/\/dailybulls.in\/featured\/article\/factors-to-consider-while-prepaying-your-home-loan\/","title":{"rendered":"Factors to Consider While Prepaying Your Home Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1376\" class=\"elementor elementor-1376\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43794231 e-flex e-con-boxed e-con e-parent\" data-id=\"43794231\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14a5a2ad elementor-widget elementor-widget-text-editor\" data-id=\"14a5a2ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Higher loan amounts and repayment tenures of up to 30 years make home loans a major financial commitment for most borrowers. The long home loan tenures often lead to the interest component to exceed the loan amount. Therefore, many home loan borrowers tend to reduce their interest costs by making partial prepayments during the tenure.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some points that existing home loan borrowers should consider while prepaying their housing loan:<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec5ab2 elementor-widget elementor-widget-heading\" data-id=\"6ec5ab2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Decide between reducing their EMI or loan tenure<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-184198d elementor-widget elementor-widget-text-editor\" data-id=\"184198d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Existing home loan borrowers opting for loan prepayments have to choose between two options \u2013 either reduce their loan tenure or minimise their EMI component. Although they can save on their interest costs by reducing the home loan tenure, reducing their EMI amount will increase the overall proportion of disposable income. Therefore, selecting either of the two options depends primarily on whether the home loan borrower wants to reduce their EMI burden or bring down his\/her overall interest cost.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c14912 elementor-widget elementor-widget-heading\" data-id=\"2c14912\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Exercising the home loan balance transfer facility to save on the interest payout<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25b9658 elementor-widget elementor-widget-text-editor\" data-id=\"25b9658\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Existing home loan borrowers can exercise the balance transfer option to transfer their home loans to other banks or HFCs at lower interest rates and\/or for better terms and conditions. The home loan balance transfer (HLBT) facility is especially useful for borrowers with improved credit profiles who can avail home loans at reduced interest rates. They can visit Paisabazaar\u2019s website to check and compare the latest HLBT interest rates offered by multiple lenders. Those exercising the balance transfer facility can benefit from the reduction in overall interest payout without adversely impacting their liquidity or existing investments. Home loan borrowers should consider the estimated savings by using the balance transfer calculator before deciding whether to transfer their existing loan to other lenders.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1190f4 elementor-widget elementor-widget-heading\" data-id=\"c1190f4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Factor in the returns generated from existing investments<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95f54ae elementor-widget elementor-widget-text-editor\" data-id=\"95f54ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Although the home loan interest rates are among the lowest when compared to other retail loan products like <\/span><a href=\"https:\/\/www.paisabazaar.com\/personal-loan\/\"><b>personal loan<\/b><\/a><span style=\"font-weight: 400;\">, loan against securities, loan against property, etc., they are usually higher than the returns generated by most fixed-income instruments. Thus, surplus funds parked in short-term debt funds, fixed deposits or other fixed income products, not earmarked for any important financial goals, can be redeemed or closed for making prepayments. However, borrowers should avoid redeeming their equity funds for prepaying their loans, as the long-term returns generated from these investments are usually much higher than the home loan interest rates.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52f8c82 elementor-widget elementor-widget-heading\" data-id=\"52f8c82\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avoid home loan prepayment using emergency funds<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-921adc7 elementor-widget elementor-widget-text-editor\" data-id=\"921adc7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Borrowers create emergency funds to handle financial emergencies and\/or to meet unavoidable expenses including existing EMIs, rent, insurance premium(s), tuition fees for children, etc. in case of loss of income due to unemployment, illness or disability. Your emergency funds should ideally be substantial enough to take care of any unavoidable expenses for at least 6 months. Existing home loan borrowers using their emergency funds for loan prepayment may have to liquidate their existing investment(s) at suboptimal prices or avail future loans at higher rates of interest to deal with financial emergencies.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8592094 elementor-widget elementor-widget-heading\" data-id=\"8592094\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avoid redeeming investments earmarked for crucial financial goals<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce531ee elementor-widget elementor-widget-text-editor\" data-id=\"ce531ee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Many existing home loan borrowers tend to prepay their <\/span><a href=\"https:\/\/dailybulls.in\/6-benefits-of-utilising-loan-apps-for-personal-finance\/\"><span style=\"font-weight: 400;\">loans<\/span><\/a><span style=\"font-weight: 400;\"> by redeeming their existing investments set aside to fulfil their important financial goals. However, doing so may\u00a0force them to avail loans at higher interest rates for fulfilling those financial goals.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Higher loan amounts and repayment tenures of up to 30 years make home loans a major financial commitment for most borrowers. The long home loan tenures often lead to the interest component to exceed the loan amount. Therefore, many home loan borrowers tend to reduce their interest costs by making partial prepayments during the tenure.\u00a0 &#8230; <a title=\"Factors to Consider While Prepaying Your Home Loan\" class=\"read-more\" href=\"https:\/\/dailybulls.in\/featured\/article\/factors-to-consider-while-prepaying-your-home-loan\/\" aria-label=\"Read more about Factors to Consider While Prepaying Your Home Loan\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1379,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[72],"tags":[],"class_list":["post-1376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.3 (Yoast SEO v25.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Factors to Consider While Prepaying Your Home Loan - Dailybulls<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dailybulls.in\/featured\/article\/factors-to-consider-while-prepaying-your-home-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Factors to Consider While Prepaying Your Home Loan\" \/>\n<meta property=\"og:description\" content=\"Higher loan amounts and repayment tenures of up to 30 years make home loans a major financial commitment for most borrowers. 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The long home loan tenures often lead to the interest component to exceed the loan amount. Therefore, many home loan borrowers tend to reduce their interest costs by making partial prepayments during the tenure.\u00a0 ... 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