Pre - EMI is a burden. How can rediff miss the tax benefit of 1.5 lacs (interest comp) and 1 lac (principal comp) which one gets if he chooses ADF option. In Pre EMI one can only claim over a span of 5 years which is a long term. Also pre - emi doesnt reduce your Principal outstanding loan amount. All pre-emi is contributed to Interest component of the Loan amount. In ADF option , principal and interest both get subtracted
