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What is Pre-EMI?
Pre-EMI is an interest-only payment borrowers make on a property loan during the construction phase or until the full loan is disbursed. Once construction completes or full disbursement is reached, standard EMI (principal + interest) kicks in.
- Lower Initial Outflow: Covers only interest portion in the interim.
- Linked to Construction Stages: Increases as more of the loan amount is released.
- Extended Overall Interest: Might raise total payable interest over the loan’s term.
- Ease of Cash Flow: Suits buyers needing financial flexibility pre-possession.
Pre-EMI reduces short-term monthly expenses but can prolong overall repayment duration.
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