PrepayWise Blog
Home Loan Part Payment vs Foreclosure: Which to Choose
Home loan part payment vs foreclosure explained: what each does, RBI penalty rules, the tax angle, and a worked example to help you pick the right move.
RBI Made Home-Loan Prepayment Penalty-Free (2026): What It Actually Means
From 1 January 2026, RBI's Pre-payment Charges Directions, 2025 bar prepayment and foreclosure penalties on floating-rate loans to individuals. Here's what genuinely changed, who it covers, and how to use it to save the most interest.
Home Loan Prepayment in India: The Complete Guide (2026)
A complete, no-jargon guide to home loan prepayment in India — reduce EMI vs tenure, RBI penalty rules, best timing, and how much interest you can actually save. With a free calculator.
Prepay Your Home Loan or Invest in SIP? The Real Math (2026)
Should you prepay your home loan or start a SIP? The honest math for Indian borrowers in 2026 — effective after-tax loan rate vs equity returns, tax impact, and why a split often wins.