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I am 30 year old, 2 year married. We both work and earn around 2 lakh a month after tax. We bought a house last year and it's been 13 months since, the house was worth 44 lakh, and we took a loan for 28.8 lakh, the loan was for 20 years, with monthly emi around 24 k with 7.5% interest rate. In...