{"id":5799,"date":"2025-09-01T11:01:30","date_gmt":"2025-09-01T11:01:30","guid":{"rendered":"https:\/\/homefirstindia.com\/blog\/?p=5799"},"modified":"2025-09-01T11:02:04","modified_gmt":"2025-09-01T11:02:04","slug":"how-emis-build-financial-confidence","status":"publish","type":"post","link":"https:\/\/blue.homefirstindia.com\/ta\/blog\/how-emis-build-financial-confidence\/","title":{"rendered":"How EMIs Build Financial Confidence"},"content":{"rendered":"<p>EMIs have a bad reputation. Ask anyone about EMIs, and you\u2019ll hear a dramatic sigh. For most people, it sounds like a monthly punishment\u2014like a gym membership you can\u2019t skip. Every month, right on time, no excuses. A hard commitment.<\/p>\n<p>Although, EMIs do much more than most people realise when they are paying back the loan. For a lot of our customers, EMIs have brought structure. They have built habits. And over time, they have created something bigger: confidence.<\/p>\n<p>This <i>used to <\/i>be a hunch and an assumption. We wanted to understand how this plays out in real life, among other things that homeownership brings upon. So we ran a study\u2013280 households, 10 cities and a mix of EWS, LIG and MIG homebuyers. We also spoke to 30 families at length. All the participants in the study have been homeowners for over six years. Enough time for us to see what sticks.<\/p>\n<p>Here\u2019s what we found:<\/p>\n<ul>\n<li>57% saw improved credit health<\/li>\n<li>48% took top-up loans<\/li>\n<li>24% made voluntary part-payments<\/li>\n<\/ul>\n<p>Not bad at all.<br \/>\nTurns out, paying EMIs regularly does a few things.<br \/>\nInternally, it sets boundaries. Makes you think twice before spending. Externally, it builds your credit profile. Banks start seeing you as someone who\u2019s sorted. Would it be a stretch to say it is an auto-debit with benefits <i>apart <\/i>from the home?<\/p>\n<p>I can however definitely say that it opens doors (apart from the home, of course!) to more\u2013top-ups, increased formal credit access and bigger financial goals.<\/p>\n<p>Our respondents left us with one unanswered question: \u201cWhat\u2019s next?\u201d. This shift in goalposts has been enabled by the <i>indirect <\/i>impact EMIs have had on the families.<\/p>\n<p>To read the full report\u00a0<a href=\"https:\/\/drive.google.com\/file\/d\/1GB0alYgHtWK3y7t3xzkO60JNzyDhv17b\/view\">click here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EMIs have a bad reputation. Ask anyone about EMIs, and you\u2019ll hear a dramatic sigh. For most people, it sounds like a monthly punishment\u2014like a gym membership you can\u2019t skip. Every month, right on time, no excuses. A hard commitment. Although, EMIs do much more than most people realise when they are paying back the [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":5800,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[90,1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How EMIs Build Financial Confidence - Blogs &amp; Articles<\/title>\n<meta name=\"description\" content=\"See how EMIs build discipline, boost credit health, and open doors to bigger financial goals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/homefirstindia.com\/blog\/how-emis-build-financial-confidence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How EMIs Build Financial Confidence - Blogs &amp; 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