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5daysago

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SundarVenkatasubramaniam

firstinflationtakecareofemi.EmIofsay20000maybeequalto5000in10yearsintodays
cost.Secondifyouareinhigertaxbracketandhouseisnotselfoccupied,thenitisbetterto
continue the loan than closing it faster as the interest we pay will be very less after tax
benefits.
Puttheextramoneyinaninvestmentwhichprovideshigherreturns.Soinsomecases,it
maynotbegoodideatoclosetheloanfaster.

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maynotbegoodideatoclosetheloanfaster.
5daysago

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Ramanathan

Iclosedthehomeloanbyoption4(
4)reducedtheemiafter3yrs.Itook
10lloanemi10500.Everyyeariclosed3lakhintheprincipalamount.3rdyearmyemiwas
3000onlyin5thyeariclosedmyloan.I'malsohavingconsoderableinvestmentinmutual
funds.Itisallfin.planinginflowoutflowbudgeting.
10daysago

M
5665

(0)

Mandoos

Addresspls
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6daysago

S
105

(0) reply(1)

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Sakthivel

Thisarticleisnothelpful.
1.YoucannotadjustEMIinmiddle

2.Noonetake30yearsEMI.15to20yearswillbeusefull.
SCROLLTOTOP
3.IfyoupayHomeloanearlieryoucannotclaimITbenefitsthrough80Cand24D
New

CurrentHomeloaninterestrateis9.7%IfthesameisusedforCalmingIT,reducedinterest
(http://www.vikatan.com/search)
ratewouldbe6to7%.SoIfyouhavemoneyinhandexcesstoclosetheloanearlier,Invest
www.vikatan.comwouldliketosendyoupushnotifications.
(http://www.vikatan.com/)
thesameamountingoodmutualfunds.Youwillgetreturns12to15%forlongperiodlet
EMIcontinue. Notificationscanbeturnedoffanytimefrombrowsersettings.

12daysago

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rajeshDownVoted

13daysago

(0)

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Sundar

Thisisnotpracticallypossibleinbanks.theyonlyallowustopaidtheminimumofonemonth
installmentpriornot1000or2000etc...whatyouaresayingiscorrectonly.
(2)
(0) reply(0)
SakthivelsundarUpVoted
14daysago

Dhileep

Superthismsgitsveryusefulltothemiddleclassfamily...
14daysago

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