{"id":1012,"date":"2024-09-28T17:35:58","date_gmt":"2024-09-28T12:05:58","guid":{"rendered":"https:\/\/www.jashnrealty.com\/blog\/?p=1012"},"modified":"2025-04-10T12:52:40","modified_gmt":"2025-04-10T07:22:40","slug":"how-to-reduce-your-home-loan-tenure","status":"publish","type":"post","link":"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure","title":{"rendered":"How to Reduce Your Home Loan Tenure"},"content":{"rendered":"\n<p>Who doesn\u2019t want to own a dream home, right? Today, home ownership is possible due to financing from banks or financial institutions. The process is simple these days, but do you know reducing your home loan tenure can benefit you?<\/p>\n\n\n\n<p>It\u2019s a prolonged <a href=\"https:\/\/www.jashnrealty.com\/blog\/common-misconceptions-about-home-loans-and-fact-checks\">home loan myth<\/a> that the longer the tenure, the lesser the EMI will be. But the reality is that reducing your home loan tenure can save you a significant amount that would otherwise go towards the interest rate.<\/p>\n\n\n\n<p>In this blog, we will emphasise on how to reduce your home loan tenure. Let\u2019s check out.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#How_to_shorten_the_home_loan_duration\" >How to shorten the home loan duration:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#Make_partial_payments\" >Make partial payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#Consult_the_lender_to_restructure_the_loan\" >Consult the lender to restructure the loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#Make_a_large_down_payment\" >Make a large down payment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#Get_an_overdraft_facility\" >Get an overdraft facility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#Make_a_higher_EMI_payment\" >Make a higher EMI payment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#Home_loan_transfer\" >Home loan transfer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-your-home-loan-tenure\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_shorten_the_home_loan_duration\"><\/span>How to shorten the home loan duration:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_partial_payments\"><\/span>Make partial payments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One of the most common ways to reduce your home loan tenure is to opt for a partial payment. Partial payments aim to decrease the principal amount, which automatically decreases the loan duration by many months.<\/p>\n\n\n\n<p>Not only this, but you also save on interest rates since you have to pay for a shorter period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consult_the_lender_to_restructure_the_loan\"><\/span>Consult the lender to restructure the loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>After 2 to 4 years, you get a reset period for your home loan. During that period, you can request your lender to increase the amount paid towards EMI. This will significantly decrease your tenure. But before approaching the bank or the lender, ensure your income has increased over the period to accommodate additional amount to the EMI.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_a_large_down_payment\"><\/span>Make a large down payment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>As per <a href=\"https:\/\/www.jashnrealty.com\/blog\/rbi-guidelines-for-home-loans-importance-and-requirements\">RBI\u2019s guidelines<\/a>, financial institutions and banks can cover only 70% to 80% of the total property cost. The borrower must pay the remaining amount as a down payment. A large down payment reduces both the rate of interest and the principal amount. So, it\u2019s always better to make a large down payment for your <a href=\"https:\/\/www.jashnrealty.com\/3-bhk-flats-in-lucknow\">residential flat in Lucknow<\/a> or any other location.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_an_overdraft_facility\"><\/span>Get an overdraft facility<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Having an additional income is the best way to lower your tenure. With extra income at hand, you can ask your bank for an overdraft facility. This lets you put extra funds into the account along with your EMI payment plan. As long as you maintain this extra amount in the loan account, it is considered as a pre-payment towards your home loan principal. You can lower your home loan tenure with each additional payment you maintain towards your home loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_a_higher_EMI_payment\"><\/span>Make a higher EMI payment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Another way to minimize your home loan tenure is by paying higher EMIs. You can significantly lower your duration and interest rates too.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_loan_transfer\"><\/span>Home loan transfer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Under the home loan transfer, you can move your outstanding balance to another bank. This option arrives when you get a lower interest rate than what your current lender provides. With it, you can shorten your loan tenure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sometimes, taking a few steps helps you lower your home loan tenure for good. A shorter tenure can also <a href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-home-loan-interest-rates\">reduce your rate of interest<\/a>. However, it depends on a borrower\u2019s financial stability. Always consider your long-term financial goals and budget before opting for any of the earlier steps.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Who doesn\u2019t want to own a dream home, right? Today, home ownership is possible due to financing from banks or financial institutions. The process is simple these days, but do you know reducing your home loan tenure can benefit you? It\u2019s a prolonged home loan myth that the longer the tenure, the lesser the EMI [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1014,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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