Mistake #5 is the one I find most frustrating — borrowers leave ₹30,000–₹50,000 on the table without even asking their existing bank to match the competing rate. A 10-minute conversation can often capture most of the transfer benefit without any of the transfer costs. A balance transfer, done right, saves ₹6–14 lakhs. Done wrong, it […]
5 Home Loan Balance Transfer Mistakes That Could Cost You ₹2–6 Lakhs Read More »
I have structured over 200 balance transfers — the ones combined with a prepayment plan always outperform a standalone transfer by ₹4–8 lakhs. Most borrowers think of balance transfers and prepayment as separate strategies. Transfer your loan to a cheaper bank — done. Or prepay whatever you can — done. But the real power lies
Home Loan Balance Transfer + Prepayment: How to Save ₹10–18 Lakhs Read More »
If you’re already on a floating-rate home loan in India, you’ve probably felt the pinch of rate resets. The fastest way to reduce the total interest you’ll pay—and own your home sooner—is to treat refinancing as a disciplined, numbers-first project. Below are five proven strategies built for existing floating-rate borrowers, with practical math, checklists, and
5 Smart Strategies to Reduce Your Home Loan Interest in India and Accelerate Ownership Read More »
Learn how making an extra EMI home loan prepayment each year can cut your total interest by lakhs. Use our free Excel loan planner to map savings.
How One Extra EMI Home Loan a Year Saves ₹4L in Interest Read More »
At SS Finadvisory, we believe loans shouldn’t just be taken — they should be mastered. Founded by Somnath Sarkar, a seasoned finance professional with over two decades of experience
Follow us for guidance on managing loans and achieving your financial goals.