The analysis does not take into consideration the following facts >> In the ADF case part of the EMI goes towards principal that part should be deducted before calculating the difference cause in the PreEMI case the whole is interest. >> U also need to factor in the sops given by the builder like lower rates in case of ADF which can be quite a considerable save if the builder is desperate for cash. And which will reduce the loan amount, registration and stamp duty.
