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Loans Guides

All WealthMaze articles and resources related to loans. Use these guides to learn compound math, evaluate loan EMIs, plan retirement milestones, and structure tax savings.

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Loans11 min read

How to Save for a Car: The Real Math Dealers Hope You Never Run

Car dealers sell you the EMI, not the true cost. Here's the real math on depreciation, loan tenure, and the 20/4/10 rule for buying a car you can actually afford.

Om K.June 30, 2026

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Loans11 min read

How Is Loan EMI Calculated? The Formula, the Amortization Trap, and Why "Lower EMI" Is Often the Worse Deal

EMI looks simple but hides a structural trap — front-loaded interest and a "lower EMI" pitch that benefits lenders more than borrowers. The formula, the math, and how to outsmart it.

Om K.June 30, 2026

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