Overview
- In a post on r/Delhi, the software engineer says he took the loan in September 2019 and finished repayment by November 2025.
- He reports paying about ₹67 lakh in total, including roughly ₹14 lakh in interest, after frequent prepayments.
- The account credits a 2021 relocation to Germany for an income boost that accelerated the payoff.
- He highlights the mental strain of EMIs, advises cautious borrowers to think twice, and stresses early planning and advice from trusted sources.
- He notes that home ownership adds maintenance costs and that paper net worth differs from liquidity, as the post drew wide engagement and media pickup with verification disclaimers.