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Maintain a Good CIBIL Score
A score above 750 unlocks the lowest interest rates. Pay all EMIs and credit card dues on time to build and protect your score.
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Make Larger Down Payment
A higher down payment (20–30%) reduces your loan amount, EMI burden, and total interest outgo over the loan tenure.
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Choose Shorter Tenure
A shorter loan tenure means higher EMIs but significantly lower total interest. Save lakhs by choosing 15 years over 20.
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Prepay Whenever Possible
Even one extra EMI per year can reduce your tenure by 2–3 years. Most banks allow part-prepayment without penalty.