If you are planning to take a Loan Against Property, know that this finance option involves collateral. Therefore, it is essential to repay your loan as per the amortisation schedule without delaying or missing EMI payments. In this article, we focus on simple tips that make repaying a Loan Against Property simple and easy.
Simple Tips to Help You Repay Loan Against Property Efficiently
Follow these tips to ensure you clear your dues on time and without stress:
Budget Wisely
Create a detailed budget that outlines your income and expenses. Allocate a specific portion of your income towards loan repayment, treating it as a fixed expense. This disciplined approach ensures that you prioritise loan payments and avoid spending funds allocated for other expenses.
Align Your EMIs with Increasing Income
How to repay Loan Against Property quickly? Increase your EMIs with each passing year. Regardless of the profession you belong to, you can adjust your EMIs if your income increases annually. By increasing your EMIs each year, you can significantly shorten the time taken to become debt-free.
Consider Debt Consolidation
Debt consolidation is the process of taking one loan to combine all your loans into one. Managing several loans at the same time can be challenging, increasing the risk of missing EMI payments and causing a decrease in your CIBIL score. Therefore, borrowers are often advised to avail of a debt consolidation loan to pay off all other loans. A Loan Against Property can be used for debt consolidation, and it come with a long repayment tenor and low interest rates. Thus, when one opts for debt consolidation, they also save on the total interest outgo.
Allocate Incentives to EMIs
If you receive bonuses or incentives, allocate them to prepay a part of your loan. Rather than viewing incentives as additional disposable income, consider directing them specifically towards repaying your outstanding debt.
Opt for a Long Repayment Tenor
Opting for a long repayment tenor for a Loan Against Property can ease loan repayment by spreading out the instalment amounts over an extended period. This lowers the monthly EMI, making it more manageable and allowing for better financial planning, thus facilitating smoother debt repayment.
Also Read: Short Tenor vs. Long Loan Against Property Tenor - Which is Better?
Opt for a Loan Against Property Balance Transfer
Opting for a Loan Against Property Balance Transfer can help in repaying the loan easily. Loan balance transfer refers to the process of transferring one's loan from one lender to another, primarily in return for better interest rates. This can result in reduced monthly payments and decreased overall interest costs, facilitating faster loan repayment. Borrowers should know that loan balance transfer makes sense only during the initial years of loan repayment when the interest component of the loan is still high.
Final Words
In conclusion, managing a Loan Against Property requires careful financial planning and discipline. By following these simple tips borrowers can effectively repay their loans and achieve financial freedom. Prioritising timely repayments and strategic utilisation of funds can lead to smoother debt clearance and improved financial well-being in the long run.
DISCLAIMER:
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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cibil Cibil
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What is Credit Mix and How to Boost Your Credit Score?2023-03-27 | 7 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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Will a Loan Settlement Ruin My CIBIL Score?2023-03-21 | 4 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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cibil Cibil
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How Does Being A Loan Guarantor Affect Your Credit Score?2023-03-23 | 4 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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cibil Cibil
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How can I Remove Loan Inquiry from CIBIL Credit Report2024-01-22 | 5 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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cibil Cibil
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan2024-04-22 | 5 Min
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cibil Cibil
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Difference Between Credit Score and CIBIL Score2024-02-15 | 5 min
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cibil Cibil
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Loan Settlement And Its Effects On Your Credit Score2024-03-07 | 6 min
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tax Tax
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How Much Tax Can be Saved Under Sections 80C, 80D, and 80G?2023-02-22 | 5 min
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home+loan Home Loan
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10 Factors That Affect Your Home Loan Eligibility2024-05-21 | 7 min
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home+loan Home Loan
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Understanding Stamp Duty and Property Registration Charges2024-03-13 | 5 min
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home+loan Home Loan
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Should I Apply for a Pre-Approved Home Loan or an After Property Finalisation Loan?2024-03-15 | 5 min
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cibil Cibil
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Everything You Need to Know About the Ideal CIBIL Score for Business Loan2024-01-17 | 4 min
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cibil Cibil
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What is the Role of CIBIL Score in Getting a Home Loan?