qqp question1: I pay 15.5% interest for my mortgage loan of 20lakh rupees. How can I reduce the interest? question2: I have a loan of 11.5 lacs for a tenure of 7 years, 19400/- EMI. I'll have a source of 8 lacs in the coming 5 months. Should I use that amount to repay my debt or should I deposit it somewhere else and pay the EMI with the interest I get over those 8 lacs?