Hi, I need expertise opinions from people here who have handled home loans... I took a home loan from HDFC for 10 yrs. I have already paid EMIs @ 8% for the past 4yrs. Now I have some cash in hand with which I can repay about 50% of the balance principal to be repaid. HDFC has a penalty for repayment of the principal since the lending period would come down. Is it worthwhile to repay a portion of my principal and get the further EMIs / repayment years reduced?