Category
Loans
3 articles
Loans3 min read
EMI Explained: How Your Loan Interest Is Actually Calculated
Why your first EMI is mostly interest, how the outstanding principal drives every recalculation, and what changes if you prepay early.
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How Banks Actually Calculate Your Personal Loan Eligibility
FOIR, the income multiplier, and why existing EMIs hurt your eligibility more than a new applicant expects — plus how to raise it before you apply.
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Flat Rate vs Reducing Balance Interest: Why Your Real EMI Rate Is Higher Than Advertised
A 12% flat rate loan can cost as much as a 22% reducing balance loan. Here's the math lenders don't walk you through.
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