Loans & EMI Guide #10: Plan for Prosperity

 

Plan for Prosperity with Smart EMI Management

Loans can either make your life easier or stress it out — it depends on how you handle EMIs.

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1. Choose Loan Wisely

• Don’t take loans for gadgets
• Avoid loans with >15% interest
• Use EMI calculator before applying

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2. Prepayment is Your Friend

Pay a lump sum when you get bonuses — it reduces your overall interest.

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3. Refinance Smartly

• Shift from high-interest to low-interest loans
• Negotiate with banks

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Conclusion

You can’t borrow your way to wealth — use loans as a bridge, not a trap.

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