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🏦 Loans & repayment · CAL-L08
Co-borrower stress test
Can the household still service the loan if income drops or the EMI rises?
ScenarioWhat would happen under the conditions you chose — not a prediction.for families
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Loan EMIMonthly instalment, total interest and the full repayment schedule.Moratorium impactInterest that accrues during the study moratorium, simple or capitalised.Loan comparisonSeveral loan offers ranked by total cost including fees and insurance.Prepayment savingsInterest saved and months cut by paying extra on a schedule.Rate shockIf the rate changes: the new EMI at fixed tenure, or the new tenure at fixed EMI.Debt affordabilityAn EMI against take-home pay and essentials: comfortable, stretched or stressed.Refinance comparisonWhether switching lenders saves money after charges, and the break-even month.