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Submitted 2016-10-06 12:50:16 You have got an unexpected financial windfall 鈥?maybe a bonus Jaguars Josh Oliver Jersey , or a new job with higher income, or a gift or inheritance. You also have a home loan, because of which part of your monthly income goes toward paying the EMI on the home loan. The question is, should you use the surplus funds to repay the home loan and reduce your debt or invest it to generate returns?

The simple answer is: If you are sure of generating greater returns than the savings you achieve by prepaying, you should go the investment route. If you believe your savings will be greater by prepaying, then prepay the loan.

Here are some of the things you must consider before reaching a conclusion:

interest cost: How much interest are you paying every year? This depends on where you are on the tenure of your loan. If you are at the nearing end of your tenure Jaguars Jawaan Taylor Jersey , the interest payouts will be much lower. Lenders front-load loans with interest 鈥?in the early years the interest component of your EMI is much higher than the principal. So, it makes sense to prepay if you are in the early part of your tenure.

lties: Lenders charge a prepayment penalty on loans, especially on fixed interest loans, and in the early years. If your loan attracts a prepayment penalty, you need to consider that extra cost while making a decision.

Benefit: You gain considerable tax benefits from a home loan. You get an exemption on the principal of up to Rs 1.5 lakh and up to Rs 2 lakh on interest paid. These benefits can add up to quite a tidy sum, especially if you have a joint loan and both can claim the maximum benefit. If you pre-pay the loan Jaguars Josh Allen Jersey , you will forego these tax benefits.

ity to generate returns: It鈥檚 a simple rule of investing, the higher the return, the higher the risk. You need to ask yourself if the post-tax returns you will be able to generate will be greater than the post-tax benefits you are getting from your current home loan. Will you be able to consistently generate post-tax returns of 10-12% (home loans are at over 9% plus tax benefits)?

ity to service the EMIs: Paying EMIs every month can be quite a financial challenge. If the EMIs are stretching your monthly budgets, and you are not sure if you will be able to service them comfortably going forward, you may want to prepay and lower the EMI. Make sure you have guaranteed sustainable cash flows that will be able to meet the additional burden of pre-payment, or it will eat into your savings.

gency reserve: Using up your cash to pre-pay the loan will wipe out your liquidity. Pay off only if you have enough left for emergency purposes. Don鈥檛 prepay your home loan only to land in another debt.

e of mind: At the end of it Jaguars Nick Foles Jersey , it all depends on your mindset. If you feel that your home loan is burden and pre-payment will reduce the stress on your family, it would be better to pay it off

rtunity costs: Opportunity costs should also be taken into consideration as the money spent on pre-paying the loan could be used to invest in an asset with higher returns.

et trends: If you forecast higher rates of interest and inflation in the future, pre-paying your loan can help you save a lot of money in the long run. The future value of discounted cash flows needs to be taken into consideration.
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