Owning a home is a cherished aspiration for many investors, whether it is an independent villa, a flat in a gated community, or an apartment. There is absolutely nothing wrong with wanting to live in your own house, and we encourage individuals to pursue this dream through careful planning. Ideally, it is wise to fund at least 30-40% of the property value from your own savings. However, in reality, many people attempt to buy their dream home with only 10-15% of the total amount, largely due to the easy availability of housing loans from financial institutions that are willing to fund up to 90% of the property’s value.

This approach often results in a significant financial burden. For instance, if you purchase a house worth ₹1 crore with a loan of ₹80 lakhs, and account for registration charges, taxes, and interior works, the total outlay could reach ₹1.2 to ₹1.5 crores. If you opt for a 20-year loan tenure at an interest rate of 7.5%, your EMI would be around ₹64,000 per month. Over 20 years, you would end up paying nearly ₹1.54 crores—almost double the original loan amount—just in repayment.

Our early loan closure strategy is designed to help you become debt-free much sooner. By leveraging your cash flows and any additional surplus funds, we can assist you in closing your housing loan within 7-8 years instead of 20. This accelerated repayment plan can result in substantial savings of ₹60 to ₹75 lakhs on interest payments alone, thereby freeing up resources for other financial goals and reducing long-term financial stress.