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Writing on how these decisions actually work — the maths, the traps, and the reasoning.

25 July 2026

How home loan balance transfer savings are actually calculated

A lower rate isn't automatically a better deal. The full break-even math behind a home loan balance transfer — EMI difference, switching costs, and the net benefit that actually decides it.

25 July 2026

Prepayment: reduce your tenure or reduce your EMI? The math, worked out

A lump-sum prepayment on a home loan can shorten your tenure or lower your EMI — same cash in, very different interest saved. A worked example shows the gap.