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![Finance_Bareek Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::783308507869093888.png) CA Nitin Kaushik [@Finance_Bareek](/creator/twitter/Finance_Bareek) on x 4700 followers
Created: 2025-07-27 15:17:16 UTC

🧾 Why a 30-year loan makes sense—even if you don’t keep it that long

People think long tenure = bad idea. But here’s the twist:
✅ Lower EMI = More cash flow flexibility
Example:
📌 ₹50L loan @ X%
▪️30-year EMI = ₹36,688
▪️20-year EMI = ₹41,822
➡️ Difference = ₹5,134/month saved
This flexibility is your secret weapon.


XX engagements

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**Related Topics**
[cash flow](/topic/cash-flow)
[bad idea](/topic/bad-idea)
[if you](/topic/if-you)

[Post Link](https://x.com/Finance_Bareek/status/1949489272421040432)