Extend the Key to Swift Home Loan Repayment
Extend the Key to Swift Home Loan Repayment with Shubhashish Homes
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Extend the Key to Swift Home Loan Repayment with Shubhashish Homes

Home Loan Guide
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When it comes to making one of the most significant financial commitments in your life, owning a home, it’s essential to understand every aspect, including home loan repayment swiftly. At Shubhashish Homes, Jaipur’s leading realty brand, we believe in empowering homeowners with knowledge and strategies to achieve their dreams efficiently. In this blog, we’ll guide you through easy ways to pay off your home loan faster, ensuring a smooth and debt-free homeownership journey.

1. Opt for a Higher EMI

Paying a higher Equated Monthly Installment (EMI) than the minimum required is a smart move. By doing so, you reduce the principal amount faster, which eventually leads to a shorter loan tenure.

2. Make Frequent Prepayments

At Shubhashish Homes, we encourage our homeowners to make partial payments whenever possible. These prepayments directly reduce your outstanding principal, resulting in substantial interest savings over the long term.

3. Utilize Windfalls Wisely

Bonuses, tax refunds, or unexpected inheritances can significantly accelerate your home loan repayment. Consider allocating a portion of these windfalls towards your loan principal to reduce your debt burden.

4. Choose a Shorter Loan Tenure

While it may lead to slightly higher EMIs, choosing a shorter loan tenure ensures that you pay less interest overall. Shubhashish Homes can help you explore loan options tailored to your preferences.

5. Refinance Your Home Loan

Keep an eye on market interest rates. If you find an opportunity to refinance your home loan at a lower rate, it can significantly reduce your overall interest burden, saving you money in the long run.

6. Consider Making Biweekly Payments

Instead of making monthly payments, consider switching to biweekly payments. This simple adjustment results in 26 half-payments each year, equivalent to 13 full payments. Over time, this extra payment can significantly reduce your loan tenure.

7. Allocate Lump Sums Strategically

If you receive an annual bonus or a significant sum of money, consider using it strategically to make lump-sum payments. Timing these payments around your loan’s interest calculation can maximize their impact.


Paying off your home loan faster not only relieves you of financial stress but also brings you closer to fully owning your dream home. By implementing these strategies, you can reduce your loan tenure and save a substantial amount on interest payments. Shubhashish Homes is committed to supporting you throughout your homeownership journey, offering expert advice and tailored solutions for a brighter, debt-free future.

Ready to take the first step toward homeownership with Shubhashish Homes? Explore our range of properties and financing options today!

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