Opting for Change in EMI or Change in Tenure for Interest Rate Changes

Balancing Interest Rate Volatility: EMI Stability Versus Loan Tenure

Imagine you are reviewing a client’s personal balance sheet during a quarterly financial planning session. The client holds a floating-rate home loan and is concerned about the recent repo rate hikes by the Reserve Bank...

Balancing Liquidity and Long-Term Cost in Floating Rate Debt

Imagine you are drafting a debt restructuring advisory for a high-net-worth client who has seen their floating rate home loan interest rates drop by 150 basis points over the last year. While the client is tempted to...