Compare the long-term interest cost of paying only interest vs. full EMI during property construction.
Choosing Full EMI over Pre-EMI during construction can save you lakhs in interest because you start reducing the principal balance from month 1. In FY 2026-27, with home loan rates at ~9%, paying Full EMI on a 36-month construction period for a ₹50L loan can save approximately ₹4.5 Lakh in total interest over the loan life.
Last verified May 2026
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