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Home Loan Hacks – How to Save Lakhs on Your EMI

A home loan is a 20–30-year commitment, but small strategies can save you significant money. Here’s how to optimize your loan like a pro.

A smart loan strategy today builds the wealth of tomorrow. Save wisely, live abundantly

1. Improve Your Credit Score (750+)

  • Pay credit card bills on time.
  • Avoid multiple loan inquiries in a short span.

2. Negotiate Interest Rates
Banks offer lower rates to customers with stable incomes or existing relationships. Pro tip: Compare offers from 3+ lenders.

3. Opt for Shorter Tenures
A 15-year loan at 8.5% costs less overall than a 30-year loan at 8%. Use online EMI calculators to compare.

4. Make Prepayments
Even 5–10% extra payments annually can cut interest by lakhs.

5. Balance Transfer
Switch lenders if another bank offers rates >0.5% lower than your current one.

Amogh Realty’s Loan Assistance
We partner with trusted banks to help you secure the lowest rates and smoothest approvals.

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