15 Dec

by Admin

Everything You Need to Know About Home Loans

<span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Is the idea of purchasing a new house weighing you down a bit financially? The best home loan providers in India can help you get the house of your dreams with a home. While this loan has many features and benefits, you should be well-informed before applying. Here’s everything you need to know about home loans.  <h2 dir="ltr" style="line-height:1.38;margin-top:18pt;margin-bottom:6pt;"><span style="font-size:16pt;font-family:Arial,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">What Is a Home Loan?</h2> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A housing loan is a sum of money a borrower takes out to finance a home's purchase, construction, or renovation. The principal amount and interest at a fixed rate are due monthly as an EMI. Whether you're looking for a home loan<span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:italic;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">or exploring <a href="https://ashirbadfintech.com/home-loan" style="text-decoration:none;"><span style="font-size:12pt;font-family:Georgia,serif;color:#1155cc;background-color:transparent;font-weight:700;font-style:italic;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">low-interest home loans in Bhubaneswar</a><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">, there are different types of home loans available, such as: <ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Home Purchase Loan: <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">This mortgage is by far the most common. A home-buying loan can help you finance purchasing a new or pre-owned house. Affordable home loan options in Bhubaneswar make it easier for borrowers to achieve their dream of homeownership.</li><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Homebuilding Loan: <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Applicants who would rather build their own house than purchase an existing one can apply. However, the approval process for this loan considers the plot's cost, so it's a little different. Flexible home loan terms in Bhubaneswar ensure borrowers can comfortably plan their construction and repayment.</li></ul> <ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Loan For Home Renovation:<span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> Do you want to change your house? That is exactly what a home improvement loan is for. It includes all sorts of maintenance and renovations, both inside and out, are part of this, such as painting, building an above-water tank, updating the electrical system, etc. </li></ul> <ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Home Extension Loan: <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If you want to change the layout of your house or add to it, you can get a home extension loan. With property loan assistance in Bhubaneswar, this financing can help you build more space in your home.</li></ul> <h2 dir="ltr" style="line-height:1.38;margin-top:18pt;margin-bottom:6pt;"><span style="font-size:16pt;font-family:Arial,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Home Loan Features and Benefits</h2> <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Convenient And Accessible</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Nowadays, every bank and NBFC offers attractive house loan offers. Once one has verified their eligibility, they can apply for a home loan that best suits their needs. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="2"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Flexible Use </li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A housing loan can be used for various purposes, including buying a new apartment or house, building one from the ground up, renovating an existing one, or adding to your current property. To avoid complications, consider the easy home loan application in Bhubaneswar options. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="3"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Low Debt Rate</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Interest rates on house loans, such as those offered by Ashirbad Fintech home loan rates, are often lower than those of other providers, making them an affordable choice. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="4"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Quick Loan Approval </li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">There are few requirements for a home loan, and less paperwork is required. With fast home loan approval in Bhubaneswar, financial institutions and NBFCs can process the loan amount more quickly can process the loan amount more quickly. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="5"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Extended Repayment Years</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The time to repay a home loan might be up to 30 years due to the large amount of money borrowed. The borrower can pick a reasonable EMI that won't strain his monthly budget. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="6"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Tax Benefits</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Repayment of principal can be claimed as a tax deduction up to 1.5 lakhs rupees under Section 80 C, and repayment of interest up to 2 lakhs rupees under Section 24 B. The home loan registration fees and stamp duty charges can be deducted from your taxable income under Section 80C. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="7"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Transferring Balances</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A home loan balance transfer feature lets you refinance your current house loan to a different bank that may provide more favourable conditions or cheaper interest rates. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="8"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Additional Funding Option </li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">With a top-up loan option, you can take out a larger loan amount in addition to your current mortgage and spend the extra money on whatever you want, whether for your business or yourself. <h2 dir="ltr" style="line-height:1.38;margin-top:18pt;margin-bottom:6pt;"><span style="font-size:16pt;font-family:Arial,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Factors To Think About When Applying For A Home Loan</h2> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Some of the criteria for<span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">home loan eligibility in Bhubaneswar are <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">CIBIL Score</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Most people use CIBIL or a credit score to determine your creditworthiness. Lenders can assess your ability to repay and provide a suitable interest rate based on that assessment. Your loan eligibility will be lower if your score is low and higher if your score is high. That said, a credit score of 750 must be met to get approval. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="2"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The Ratio Of Debt To Income</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You are considered a high-risk borrower when your monthly payments exceed a certain limit. However, your odds of getting the loan will improve if your debt-to-income ratio is low. It could also help you in getting a more favourable interest rate. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="3"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Income Source</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Lenders are more likely to extend credit if they see evidence of regular income and employment stability. High income increases your chances of approval and access to the <a href="https://g.co/kgs/y34twVK" style="text-decoration:none;"><span style="font-size:12pt;font-family:Georgia,serif;color:#1155cc;background-color:transparent;font-weight:700;font-style:italic;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">best home loan provider in Bhubaneswar</a><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">.  <h3 dir="ltr" style="line-height:1.38;margin-top:16pt;margin-bottom:4pt;"><span style="font-size:13.999999999999998pt;font-family:Arial,sans-serif;color:#434343;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Summing Up </h3> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Though the process may be lengthy, getting a house loan in India is manageable. Understanding eligibility, calculating EMI, and examining options from various home loan providers in India will help borrowers make informed decisions about applying for and repaying a home loan. <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Ashirbad Fintech Solution is here to simplify borrowing. We offer customised Personal Loans, Home Loans, Business Loans, loans against Property, and Insurance from 61+ banks and NBFCs. So, wait no longer! <a href="https://ashirbadfintech.com/contact-us" style="text-decoration:none;"><span style="font-size:12pt;font-family:Georgia,serif;color:#1155cc;background-color:transparent;font-weight:700;font-style:italic;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Contact us</a><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> to start your financing process today. <h3 dir="ltr" style="line-height:1.38;margin-top:16pt;margin-bottom:4pt;"><span style="font-size:13.999999999999998pt;font-family:Arial,sans-serif;color:#434343;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Frequently Asked Questions</h3> <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">What are the terms of home loans in India?</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The duration of a home loan in India ranges from 5 to 30 years. Shorter durations have higher monthly payments but less interest, while longer durations reduce monthly payments but increase interest. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="2"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">What is the golden rule of house loans?</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The golden rule is to pay 40% or 50% (depending on your comfort level) of your monthly income for a home loan EMI. <ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="3"><li dir="ltr" style="list-style-type:decimal;font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">What is EMI?</li></ol> <span style="font-size:12pt;font-family:Georgia,serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">EMIs are 'Equated Monthly Installments' that are essential to loan repayment. Understanding EMI provides you the financial power to meet your demands without straining your finances.

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