Home Loan Prepayment Vs Investment: Should you prepay your home loan or invest for better returns?
Home Loan Prepayment Vs Investment: Should you prepay your home loan or invest for better returns?
Oct 18, 2019
financialexpress.com
Should you prepay your home loan or invest your surplus? 🤔 Many people focus on closing their home loan early. Experienced investors take a more strategic approach. Why? 🏠 Home loans are typically low-cost, long-term debt 1. Loan interest reduces over time (amortization) 2. Investments grow faster with time (compounding) Illustration: 1. Home loan of ₹1 crore for 15 years → ~₹80 lakh total interest 2. Investing ₹1 crore for 15 years → potential value of ₹3–3.5 crore* Key Insight: 1. Over long
1:14
Should you prepay your home loan or invest your surplus? 🤔 Many people focus on closing their home loan early. Experienced investors take a more strategic approach. Why? 🏠 Home loans are typically low-cost, long-term debt 1. Loan interest reduces over time (amortization) 2. Investments grow faster with time (compounding) Illustration: 1. Home loan of ₹1 crore for 15 years → ~₹80 lakh total interest 2. Investing ₹1 crore for 15 years → potential value of ₹3–3.5 crore* Key Insight: 1. Over long
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