Home Loan Savings 2025: Balance Transfer, Prepayment, Tenure Reset - What Works Best?

• Balance transfer is effective early in the loan with a significant rate difference, considering switching costs.
• Part-prepayment offers the biggest interest savings by reducing principal, but requires consistent surplus cash after securing an emergency fund.
• Tenure reset allows reducing loan duration by keeping EMI constant when rates fall, a quiet yet effective method for salaried borrowers.
• Combining strategies, such as tenure reset during rate drops and occasional part-prepayment, often yields optimal savings.
• Avoid switching banks frequently; it's only beneficial early in the tenure with a meaningful rate gap.

Why It Matters: Choose wisely: Balance transfer, part-prepayment, or tenure reset for maximum home loan savings.