Three practical tips for Indian home loan borrowers to repay a 25-year loan in just 10 years and save lakhs in interest. First, pay one extra EMI annually (e.g., ₹40,000) to reduce principal and cut tenure to 20 years. Second, increase EMI by 7.5% yearly aligned with salary hikes (e.g., from ₹40,000 to ₹43,000).
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