Loans
Borrowing decisions, from what you can get sanctioned to whether paying early is worth it.
- What Happens If You Prepay a Loan?What a lump-sum prepayment does to an Indian loan, the choice between cutting the tenure and cutting the EMI, and when it is worth doing at all.
- How Much Loan Can You Get on Your Salary?How lenders turn your income into a loan amount, what FOIR means, and what else they check before sanctioning anything.
- What Is FOIR, and Why Does It Decide Your Loan?FOIR is the single ratio that caps how much Indian lenders will sanction. What counts towards it, what does not, and how to move it.
- Short vs Long Loan Tenure: What It Really CostsA longer tenure lowers the EMI and raises the total by far more than most people expect. The actual numbers, and when the longer term is still right.
Reviewed by Pradipta Ray, Editor · Last updated