You make the prepayment of your home loan or invest it in a Mutual Fund or anywhere else, the crux is, try to save and contribute more towards your home loan than the decided monthly installment amount and if possible, try to prepay the whole loan amount as soon as possible to save the maximum on interest. Before going for a home loan, research on loan options and pay attention to down payment, EMIs and repayment tenure. Consider overhead expenses beyond the EMI you choose to pay each month and