Axis bank home loan prepayment online dating

Additionally, your EMI does not change as a result of the waiver. i.e., your total loan tenure will go down to 19 years (remaining tenure: 4 years).

Do note only your last 6 or 12 (depending on how long you were in the loan) EMIs at the end of the loan tenure will be waived off. Suppose you take a Rs 50 lac loan at 9% for 20 years. Assume the interest rate does not change during the loan tenure and the EMI does not change. After 15 years, you will get another waiver of 6 EMIs.

Please understand this is different from changes in EMI due to interest rate fluctuations.

For the second waiver after 180 months, your loan should be running at the time of waiver for you to avail benefit. You can get a loan waiver only when you have a loan. Only up to 3 instances of dues pending for up to 30 days.No dues over 90 days during the entire loan tenure.You can’t increase loan EMI due to increase in salary or any other reason.It is also possible that due to wild fluctuations in interest rates, your home loan tenure may fall below 120 months or 180 months.In such cases too, you will be disqualified from availing EMI waiver.

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However, if you check the documentation requirement, they have not asked for any income related documents (salary slips, Income Tax returns etc).

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