# Opened my home loan amortisation schedule for the first time in 3 years. That 'comfortable' 30-year tenure is costing me ₹31 lakh

**URL:** <https://community.butter.money/t/opened-my-home-loan-amortisation-schedule-for-the-first-time-in-3-years-that-comfortable-30-year-tenure-is-costing-me-31-lakh/152>\
**Category:** Understanding Home Loans\
**Tags:** home-loan\
**Created:** [August 18, 2026, 10:40am UTC](https://community.butter.money/t/opened-my-home-loan-amortisation-schedule-for-the-first-time-in-3-years-that-comfortable-30-year-tenure-is-costing-me-31-lakh/152 "2026-08-18T10:40:01Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![admin-buttermoney](https://community.butter.money/letter_avatar_proxy/v4/letter/a/f08c70/32.png) [@admin-buttermoney](https://community.butter.money/u/admin-buttermoney)\
**Post date:** [August 18, 2026, 10:40am UTC](https://community.butter.money/t/opened-my-home-loan-amortisation-schedule-for-the-first-time-in-3-years-that-comfortable-30-year-tenure-is-costing-me-31-lakh/152/1 "2026-08-18T10:40:01Z")

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Took ₹50L in 2023. The RM pushed 30 years with the classic line, ‘EMI will be comfortable sir’ (₹36.7k vs about ₹41.8k for 20 years). Saving ₹5k a month felt great at 28. I said yes in about four seconds.

Opened the full schedule this weekend, mostly out of boredom. Did not enjoy what I found.

30-year version: total interest about ₹82L on a ₹50L loan.  
20-year version: total interest about ₹50L.

So that ₹5k/month of ‘comfort’ is a ₹31 lakh decision over the life of the loan. And the part that actually annoyed me: for the first several years almost the entire EMI is interest. three years in and my principal has barely moved.

Two questions for people who’ve been here:

1. Is it worth formally switching to a shorter tenure now, or smarter to keep the long tenure and just prepay hard to fake the same outcome?
2. Did anyone else genuinely not clock how front-loaded the interest is until they actually looked?