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I borrowed 96 Lakhs from him But now he want all the EMI
Q: After borrowing with the agreement to payback yearly 5% for 7years
Is now not up to 2years I want to pay him back but he is asking for The full 7years EMI I'm loosing facts to this subjection Please is this right?

personal loan
pre-payment
pre-payment charges
is pre closure allowed in personal loans?
Latest Answer: Hi Dr. Maxwell, Most banks have a lock-in period of 6 months to a year. Some of them allow you to pre-close even after the 1st EMI have been debited from your bank. Sometimes some of the banks tend to allow pre-closure at no cost or charge a pre closure fee. You need to clear all these doubts with the bank's’ loan adviser before signing the loan document.
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Also see discussions for
Bhopal Home Loan Home Loan in Bhopal
New pre-payment loan by SBI Mumbai.
Q: SBI has come up with the new pre-payment loan. I want to know whether we have to pay penalty if we pre-pay the loan using our own funds

loan
pre-payment
Latest Answer: No, the customers need not pay any penalty if they pre-pay the loan using their own funds.
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Also see discussions for
Mumbai Home Loan Home Loan in Mumbai
Pre-payment charges.
Q: Is it true that RBI has terminated the pre-payment charges on home loan? If yes why so?

pre-payment
Latest Answer: Yes, it is true that RBI has terminated the pre-payment charges. RBI asked the bank that in case of floating rates they should not impose pre-payment charges, as banks are better placed to manage the interest rate risks.
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