🏠 𝗛𝗼𝗺𝗲 𝗟𝗼𝗮𝗻 𝗣𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆

“EMI toh 25 saal tak bharni padegi.”

That’s what I was told when I signed up for a ₹45L home loan in 2017. But I had other plans.

𝗧𝗵𝗲 𝗚𝗼𝗮𝗹:
Pay off my 25-year home loan in under a decade. Why? Because I didn’t want to spend half my life in debt.

𝗧𝗵𝗲 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆:
✅ Took a ₹45L loan @ 8.5% interest, EMI ₹38K/month
✅ Paid ₹10K–₹15K extra every month as part-prepayment
✅ Used annual bonuses + tax refunds to make lump sum payments
✅ Avoided lifestyle inflation even as income grew
✅ Tracked interest saved with every prepayment — stayed motivated
✅ Cleared the loan in 8 years flat

𝗧𝗵𝗲 𝗥𝗲𝘀𝘂𝗹𝘁:
→ Saved ₹40L+ in interest
→ Became debt-free at 35
→ Gained peace of mind + financial freedom
→ Reinvested EMI amount into SIPs post-loan closure

𝗟𝗲𝘀𝘀𝗼𝗻𝘀 𝗟𝗲𝗮𝗿𝗻𝗲𝗱:
🔑 Every ₹1L prepayment early on can save you ₹1.5L+ in interest
🔑 Don’t wait for a windfall—small, consistent prepayments work wonders
🔑 Freedom from EMIs = freedom to dream bigger
🔑 Your salary doesn’t define your wealth—your habits do

𝗧𝗼𝗱𝗮𝘆?
I’m debt-free, investing more than ever, and living life on my terms.

Drop a 🏁 if you’re chasing financial freedom.

Follow Sushant Sinha for real stories on money, mindset & independence.

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