Before you take a loan — read this.

INTRO

Most people decide a loan based on EMI.

Banks decide it based on risk.

That gap

is where mistakes happen.

SECTION 1 — EMI IS A TRAP

Lower EMI

doesn’t mean cheaper loan.

It usually means:

👉 Longer tenure

👉 More total interest

Banks reduce EMI

to increase your comfort.

Not your benefit.

SECTION 2 — WHAT BANKS CHECK (NOT WHAT YOU THINK)

It’s not just your salary.

Banks look at:

• Credit utilisation (how much of your limit you use)
• Repayment behaviour (not just score)