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Advance EMIs reduce loan outstanding
Financial Express Kolkata
|July 26, 2025
My lender disbursed the home loan of ₹72 lakh on July 7 this year and had taken three advance EMIs from me. Why did they do so as I thought the repayment will start from August?
—Subodh Kumar
The advance EMI essentially reduces the loan outstanding from the start itself. This way, the interest outgo over the entire loan tenure will be significantly low. However, it does impact your cash flow as the advance EMIs are a burden. Usually in an advance EMI scenario, the regular EMIs start after the number of months EMI you would have paid. Verify from the lender that your regular EMIs will start from November 2025.
I have repaid my car loan six months ago. But in my CIBIL records, the loan is still showing. How can I rectify it?
—Vishal Sethi
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