Personal Debt Management

Loan Amortisation

In the early years of a loan, you are mostly a tenant in your own house, paying rent (interest) to the bank.

The Split: On a new ₹50,000 EMI, roughly ₹42,000 might go to Interest and only ₹8,000 to Principal.

Repayment Styles: Understand Step-Up, Balloon, and Bullet repayments before you commit your future income.

The Time Machine: Learn how one extra EMI a year can fast-forward you to the "Principal-Heavy" years.

Watch this video to see the science of amortization and how to break the curve early.