---
title: 'How to Repay Your Home Loan Faster | Smart Loan Repayment Tips'
source: 'https://youtube.com/watch?v=G3GElQ1m6F0'
video_id: 'G3GElQ1m6F0'
date: 2026-07-31
duration_sec: 68
---

# How to Repay Your Home Loan Faster | Smart Loan Repayment Tips

> Source: [How to Repay Your Home Loan Faster | Smart Loan Repayment Tips](https://youtube.com/watch?v=G3GElQ1m6F0)

## Summary

The video presents a 'secret' to repaying a home loan faster: by making extra EMI payments each year. The core idea is to pay 13 or even 14 EMIs in a 12-month period instead of the standard 12, which reduces overall interest costs and shortens the loan tenure.

### Key Points

- **A 'Secret' for Bigger Gains** [00:02] — The video opens by promising a simple secret that can lead to significant gains when repaying a home loan.
- **Add an Extra EMI Every Year** [00:17] — Instead of paying 12 EMIs per year, the method involves adding one extra EMI payment annually.
- **Pay 13 EMIs in 12 Months** [00:31] — Complete 13 EMIs within 12 months, where the 13th is an add-on. Continue this practice every year.
- **Accelerate with 14 EMIs** [00:44] — To pay off the loan even faster, you can pay 14 EMIs in a year instead of the usual 12.
- **Lower Interest and Call to Share** [00:58] — Paying extra EMIs makes the interest rates comparatively lower. The creator asks viewers to share the video with friends.

### Conclusion

The 'secret' to faster home loan repayment is simply making extra EMI payments each year — 13 or even 14 instead of 12 — which lowers interest costs and shortens the loan.

## Transcript

you a secret.  If we use this one secret, We can also make a lot of gains .  The thing is simple: if we take out a home loan every month, we
this is over, we will . What you do every year is add on an EMI
.  Don't understand?  Should I pay 12 EMIs in a year?  You pay as an EMI add- on.  Pay 13 EMIs .  You complete 13 EMIs in 12 months, not just the 13th EMI .  You should always continue this.  Or add one more when you complete a 10th
.  Or, to pay off that EMI a little faster, pay an EMI when that EMI is complete. So, you can make 14 EMIs in a year, up to 12 EMIs .  When that happens, our interest rates will be comparatively
many friends who don't know this.   Please share the video with them all follow our page for more financial videos like this .  Thank you so much.