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Loan repayment: How you can bring down your EMI amount over time

Srikanth has taken a home loan of Rs 70 lakhs at a rate of 11 percent for a tenure of 15 years. His equated monthly installment (EMI) is Rs 79,500. EMI is an amount that must be paid to the lender towards repayment of the borrowed sum. Due on a specific date each month, these installments pay off both the interest and principal components of a loan.

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