How to reduce home loan tenure?Most borrowers pay ₹57 lakh in interest on a ₹50 lakh loan. Nearly double what they borrowed — handed straight to the bank. One extra EMI a year cuts 5 years off your loan. Increase it by just 5% annually and you're free in 12 years instead of 20 — saving ₹30 lakh. No market risk. No lock-in. Just guaranteed returns at your own interest rate. Your bank profits from your patience. Stop being patient.