Choosing a longer repayment tenure will lower your monthly EMIs. However, this might increase the total interest payable.
Prepay a part of your loan whenever you have surplus funds. This can reduce the loan principal and EMI amount.
If interest rates drop, consider transferring your loan to a lender offering a lower rate to reduce EMIs.
If you have multiple high-interest loans, consolidate them into a single loan with a lower interest rate to bring down your EMI.
If you're a reliable borrower, you might be able to negotiate a lower interest rate with your lender, reducing your EMIs.
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