Banks can never be fair when you do part payments. You have to aware of few facts before you decide doing so. I will mention few points which hopefully will help you. I will also cover some fore-closure risks

I should say when I first started my home loan, I was tooo ignorant or say was totally in dark  . I did not know the basics and just went ahead with what I was told and the pretty pictures I was shown. As time passed by (read 1-2yrs), I realized my mistake and tried [...]

In one of my other posts I have mentioned how you can smartly manage your home loan EMI. Now the question arises, how to calculate the EMI. A valid question… Let me explain. Please refer my Google Docs spreadsheet for Calculating EMI (please note someone else might be editing while you are working, so create [...]