Debt Optimization

₹30 Lakhs Home Loan Prepayment & Tenure Reduction

Model the exact interest savings and tenure reduction for a ₹30 Lakhs home loan over 15 years.

Mortgage Parameters

Principal Outstanding (INR)₹30,00,000

Interest Rate (% APR)8.5%

Tenure Remaining (Years)15 Years

Prepayment Settings

Prepayment Schedule

Prepayment Amount (₹)

Start Prepayments from Year

Refinancing Offer

Refinance Rate (% APR)

Upfront Fees (₹)

Option A: Prepayment Outcomes

Standard EMI

₹0

Fixed Monthly

Prepaid Interest Saved

₹0

Over Lifecycle

Prepaid Tenure Saved

0 Years

Payoff Term Cut

Option B: Refinancing Outcomes

New Refinance EMI

₹0

-₹0 / Mo

Net Refinance Saved

₹0

Net of Fees

Breakeven Point

No Saving

To Cover Fees

Amortization Reduction Curves

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