{"id":10915,"date":"2023-08-28T16:12:23","date_gmt":"2023-08-28T16:12:23","guid":{"rendered":"\/blog\/?p=10915"},"modified":"2025-12-30T17:38:31","modified_gmt":"2025-12-30T12:08:31","slug":"find-out-how-to-reduce-home-loan-tenure","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/","title":{"rendered":"How to Reduce a Home Loan Tenure"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>A <a href=\"https:\/\/www.tatacapital.com\/home-loan.html\">home loan<\/a> is a long-term commitment. The tenure could be as short as 10 years, going all the way up to 30 years. The loan tenure you choose plays a huge role in deciding your EMI and resultantly, your overall cost of purchasing a house.<\/p>\n\n\n\n<p>The more time you take to repay the loan, higher will be the interest you will have to pay. Managing the home loan tenure is critical not only from a financial perspective but also considering that there is a higher risk in servicing a loan over longer periods.&nbsp;<\/p>\n\n\n\n<p>Changes in the economic scenario, income earning potential, age-related health risks or accidents \u2013 even though a rare likelihood \u2013 are factors to consider.<\/p>\n\n\n\n<p>As a homeowner, you should be looking at how to reduce home loan tenure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>16 Tips to reduce home loan tenure<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. What should be reduced, the EMI or the Tenure?<\/strong><\/h3>\n\n\n\n<p>When you have extra funds, it can be difficult to decide whether to reduce your EMI or shorten the loan tenure. Both options have their benefits, but the choice ultimately depends on your financial priorities.<\/p>\n\n\n\n<ul>\n<li>Reduce tenure for long-term savings: If you\u2019re in a position to handle higher EMIs, reducing the loan tenure is typically the more beneficial option. This will help you repay the loan quickly and significantly lower the total interest paid over the loan\u2019s lifetime.&nbsp;<\/li>\n\n\n\n<li>Reduce EMI for better cash flow: If your monthly budget is tight or you\u2019re investing elsewhere, reducing the EMI might be a better fit. It lowers your monthly burden, giving you more room to manage other financial goals. This option can ease short-term pressure while keeping your financial plans intact.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.\u00a0 Opt for a shorter loan tenure<\/strong><\/h3>\n\n\n\n<p>If you\u2019re looking to reduce your <a href=\"https:\/\/www.tatacapital.com\/home-loan\/emi-calculator.html\">home loan EMI<\/a> and the overall loan duration, consider choosing a shorter tenure. While this will mean higher monthly payments, it can save you a lot of interest in the long run. By opting for a shorter tenure, you\u2019ll <a href=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/how-to-repay-home-loan-faster\/\">clear your home loan quicker<\/a>, making you debt-free sooner.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Less interest paid over the life of the loan<\/li>\n\n\n\n<li>Clears your home loan faster<\/li>\n\n\n\n<li>Offers a sense of financial freedom sooner<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>Higher monthly payments could stretch your budget<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Make a large down payment<\/strong><\/h3>\n\n\n\n<p>Financial institutions now provide home loans up to 95% of the property value. This offers the advantage of not having to use much of your own money. However, it also means that your loan amount, tenure and interest cost rise significantly.&nbsp;<\/p>\n\n\n\n<p>A home loan EMI calculator will give you a detailed breakdown of the principal and interest you will pay during the term of the loan.<\/p>\n\n\n\n<p>By making a large down payment \u2013 through savings or sale of other assets \u2013 you can bring down your home loan EMI and tenure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Increase your EMI payments periodically<\/strong><\/h3>\n\n\n\n<p>If your finances permit, consider increasing your EMI amount periodically. Even a small increase can have a big impact on reducing your home loan tenure. By paying a little more each month, you can accelerate the repayment of the principal and pay off your loan faster.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Faster repayment of the loan<\/li>\n\n\n\n<li>Lower overall interest paid<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>Requires steady financial discipline<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Consider pre\/part-payments<\/strong><\/h3>\n\n\n\n<p>If you are wondering \u201chow to reduce loan tenure\u201d when you receive extra funds through a bonus, gift, or any other source, think about using a portion of it to prepay your home loan. These payments help reduce the outstanding loan amount, which can shorten your loan term and bring down the total interest you pay.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Helps lower the principal faster<\/li>\n\n\n\n<li>Saves on interest in the long run<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>Extra funds may not always be available<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Make lump sum instalments often<\/strong><\/h3>\n\n\n\n<p>Through the course of the loan, if you have additional savings or chance upon windfall gains through bonus, commission, gifts, etc., you can use the funds to make an add-on contribution to your home loan besides the standard EMI. This lump sum injection will bring down the outstanding amount and shorten the tenure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7. Use bonuses and surplus income strategically<\/strong><\/h3>\n\n\n\n<p>When you get a bonus or any unexpected income, consider using part of it to pay off your home loan. Even small prepayments made regularly can help reduce the loan amount and lead to home loan tenure reduction.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Makes good use of extra income<\/li>\n\n\n\n<li>Helps reduce loan faster and save on interest<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>You may have to delay other personal expenses or goals<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8. Take advantage of a Flexi EMI option<\/strong><\/h3>\n\n\n\n<p>As you progress in your professional life, your income potential rises. Some financial institutions offer a Step-Up Flexi EMI option that allows you to pay more as your income grows. In such a scenario, you have the option of progressively increasing your EMI. As the EMI goes up, the overall loan amount and tenure reduce at a faster rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9. Switch between fixed and floating interest rate<\/strong><\/h3>\n\n\n\n<p>Irrespective of your initial choice, many financial institutions allow you to switch between fixed and <a href=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/floating-interest-rate-the-ups-downs-and-all-arounds\/\">floating interest rates<\/a> through the term of the loan for a small fee. You may not be able to switch often, though. Hence, evaluate the economic scenario and take a call only if your savings are going to be substantial due to a switch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10. Refinance at lower interest rates<\/strong><\/h3>\n\n\n\n<p>Can we reduce home loan tenure by refinancing at a lower interest rate? Yes, if market interest rates drop below your current home loan rate, it might be a good time to switch lenders or renegotiate your terms. Refinancing can help reduce your EMI and possibly shorten your loan tenure, making repayment more manageable.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Lower overall interest payments<\/li>\n\n\n\n<li>Better loan terms that fit your financial needs<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>May involve paperwork, fees, and lender approval processes<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>11. Opt for a home loan balance transfer<\/strong><\/h3>\n\n\n\n<p>Transferring your home loan to another lender\/financial institution that offers a lower interest rate can help lower both your EMI and loan tenure. By continuing with the same EMI amount at a lower rate, you pay off your loan faster and save on interest.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Lower interest rate means long-term savings<\/li>\n\n\n\n<li>Option to reduce tenure without increasing EMI<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>May involve charges like processing fees and other transfer costs<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>12. Select an overdraft facility<\/strong><\/h3>\n\n\n\n<p>If you usually have extra income, you can link your home loan to an overdraft account. Along with your regular EMI, you can deposit any extra money into this account. While your EMI amount stays the same, the surplus reduces your <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/what-is-outstanding-loan-amount\/\">loan\u2019s outstanding balance<\/a>. The longer the surplus stays, the more your interest reduces, which can shorten your loan tenure.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Reduces the outstanding principal<\/li>\n\n\n\n<li>Lowers the interest charged and shortens the loan tenure<\/li>\n\n\n\n<li>You can withdraw the surplus if needed<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>Requires regular surplus income to be effective<\/li>\n\n\n\n<li>Some banks may charge extra for this facility<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>13. Request for a loan restructure<\/strong><\/h3>\n\n\n\n<p>If your income has increased or you are financially stable, you may request your lender to reduce your loan tenure. By increasing the EMI amount, the loan tenure shortens, helping you pay off the loan sooner. This restructuring can help you save on long-term interest costs.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Reduces the total interest paid over the loan period<\/li>\n\n\n\n<li>Allows you to adjust the loan based on improved financial circumstances<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>Higher EMIs may put pressure on your monthly budget<\/li>\n\n\n\n<li>Income must be stable to ensure you can handle the increased EMI payments<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>14. Regularly monitor and review your loan<\/strong><\/h3>\n\n\n\n<p>It\u2019s important to keep track of your home loan over time. Lenders may offer promotions or special schemes that could help you reduce your loan tenure or interest rate. By staying updated, you can take advantage of opportunities that can benefit your finances.<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Access to better loan terms or lower interest rates<\/li>\n\n\n\n<li>More efficient management of your loan<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>Requires effort and time to stay updated on market trends<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>15. Utilise tax benefits wisely<\/strong><\/h3>\n\n\n\n<p>Home loans offer tax benefits on the principal as well as interest payments. It\u2019s important to understand and utilise these benefits to your advantage. By lowering your taxable income through home loan deductions, you can free up more funds for your EMI payments<\/p>\n\n\n\n<p>Advantages-<\/p>\n\n\n\n<ul>\n<li>Lower tax liability<\/li>\n\n\n\n<li>More disposable income for EMIs<\/li>\n<\/ul>\n\n\n\n<p>Disadvantages-<\/p>\n\n\n\n<ul>\n<li>Tax laws may change, so it\u2019s important to stay informed and updated.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>16. Foreclose the Loan<\/strong><\/h3>\n\n\n\n<p>Can home loan tenure be reduced early? Absolutely. If you receive a large sum of money by way of inheritance, sale of an asset, liquidating an investment, windfall gains, etc. you could pay off the entire home loan before the tenure. Some foreclosure charges might be applicable based on the outstanding principal amount in addition to government taxes. However, Tata Capital does not levy any foreclosure fee if you use your own funds to prepay the loan. Be smart; choose a flexible loan partner that helps you fulfil your dreams on your own terms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Prepayment Reduces Home Loan Tenure: Step-by-Step Guide<\/strong><\/h2>\n\n\n\n<p>Prepaying a home loan is an effective way to shorten your loan tenure and consequently reduce overall interest costs. Let\u2019s see how prepayment leads to home loan tenure reduction.<\/p>\n\n\n\n<p>When you make a prepayment, the extra amount will reduce the outstanding principal of your loan. Since home loan interest is calculated on the remaining principal, a lowered balance will translate to less interest charged in future EMIs.<\/p>\n\n\n\n<p>After prepayment, your lender will generally offer two options:<\/p>\n\n\n\n<ul>\n<li>The first is to keep the EMI unchanged and reduce the loan tenure. In this case, your monthly outflow stays the same, but the loan closes earlier, resulting in substantial interest savings.<\/li>\n\n\n\n<li>The second option is to keep the tenure the same and reduce the EMI amount. This is how to reduce home loan burden in the short-term.<\/li>\n<\/ul>\n\n\n\n<p>Most experts suggest choosing the tenure reduction option, because it helps you become debt-free faster.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>If you\u2019re looking for how to reduce home loan tenure, there are several strategies you can consider. Opting for a shorter loan tenure, making regular prepayments, or refinancing to a lower interest rate are all effective options. Additionally, reviewing your loan terms and taking advantage of tax benefits can help reduce the overall loan duration. Implementing these steps will not only shorten your loan tenure but also save you money on interest, bringing you closer to financial freedom.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.tatacapital.com\/home-loan.html\">Apply For Home Loan<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A home loan is a long-term commitment. The tenure could be as short as 10 years, going all the way up to 30 years. <\/p>\n<p><a href=\"https:\/\/www.tatacapital.com\/blog\/home-loan\/find-out-how-to-reduce-home-loan-tenure\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":10918,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Reduce Home Loan Tenure: Tips, Prepayment &amp; Refinancing | Tata Capital<\/title>\n<meta name=\"description\" content=\"Discover smart ways to reduce your home loan tenure in India. Learn tips on prepayment, increasing EMIs, refinancing, and balance transfer to save more on interest.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Reduce Home Loan Tenure: Tips, Prepayment &amp; Refinancing | Tata Capital\" \/>\n<meta property=\"og:description\" content=\"Discover smart ways to reduce your home loan tenure in India. Learn tips on prepayment, increasing EMIs, refinancing, and balance transfer to save more on interest.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-28T16:12:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-30T12:08:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/08\/find-out-how-to-reduce-home-loan-tenure-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/\",\"name\":\"How to Reduce Home Loan Tenure: Tips, Prepayment & Refinancing | Tata Capital\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2023-08-28T16:12:23+00:00\",\"dateModified\":\"2025-12-30T12:08:31+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/aa0e5e1ada965b44443a1a78f968ed5c\"},\"description\":\"Discover smart ways to reduce your home loan tenure in India. Learn tips on prepayment, increasing EMIs, refinancing, and balance transfer to save more on interest.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapital.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Reduce a Home Loan Tenure\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/\",\"name\":\"TATA Capital Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/aa0e5e1ada965b44443a1a78f968ed5c\",\"name\":\"Tata Capital\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g\",\"caption\":\"Tata Capital\"},\"sameAs\":[\"https:\/\/www.tatacapital.com\/blog\"],\"url\":\"https:\/\/www.tatacapital.com\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Reduce Home Loan Tenure: Tips, Prepayment & Refinancing | Tata Capital","description":"Discover smart ways to reduce your home loan tenure in India. Learn tips on prepayment, increasing EMIs, refinancing, and balance transfer to save more on interest.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"How to Reduce Home Loan Tenure: Tips, Prepayment & Refinancing | Tata Capital","og_description":"Discover smart ways to reduce your home loan tenure in India. Learn tips on prepayment, increasing EMIs, refinancing, and balance transfer to save more on interest.","og_url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/","og_site_name":"TATA Capital Blog","article_published_time":"2023-08-28T16:12:23+00:00","article_modified_time":"2025-12-30T12:08:31+00:00","og_image":[{"width":770,"height":400,"url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/08\/find-out-how-to-reduce-home-loan-tenure-1.jpg","type":"image\/jpeg"}],"author":"Tata Capital","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tata Capital","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/","url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/","name":"How to Reduce Home Loan Tenure: Tips, Prepayment & Refinancing | Tata Capital","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2023-08-28T16:12:23+00:00","dateModified":"2025-12-30T12:08:31+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/aa0e5e1ada965b44443a1a78f968ed5c"},"description":"Discover smart ways to reduce your home loan tenure in India. Learn tips on prepayment, increasing EMIs, refinancing, and balance transfer to save more on interest.","breadcrumb":{"@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/find-out-how-to-reduce-home-loan-tenure\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapital.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Reduce a Home Loan Tenure"}]},{"@type":"WebSite","@id":"https:\/\/www.tatacapital.com\/blog\/#website","url":"https:\/\/www.tatacapital.com\/blog\/","name":"TATA Capital Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/aa0e5e1ada965b44443a1a78f968ed5c","name":"Tata Capital","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g","caption":"Tata Capital"},"sameAs":["https:\/\/www.tatacapital.com\/blog"],"url":"https:\/\/www.tatacapital.com\/blog\/author\/admin\/"}]}},"featured_image_url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/08\/find-out-how-to-reduce-home-loan-tenure-1.jpg","_links":{"self":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/10915"}],"collection":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/comments?post=10915"}],"version-history":[{"count":9,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/10915\/revisions"}],"predecessor-version":[{"id":52172,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/10915\/revisions\/52172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/media\/10918"}],"wp:attachment":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/media?parent=10915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/categories?post=10915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/tags?post=10915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}