When you are going through the repayment phase of your home loan you get to know the true colour of your lender. The home loan tenure is for a longer period of say 15 to 20 years and hence as there are changes taking place with finances and economy your housing finance company will also keep changing their rules. With the Reserve bank changing their lending loan rate within short span of few months it is but obvious that all the lending institutions and banks have to bear the brunt. The rules are going haywire and even if you have selected a fixed rate of interest you may have to bear the rise in your EMI amounts due to this. This is one of the most important factors why many borrowers are shifting their home loans to a better housing finance company or lending institution. If the lender tries to put all the burden of this on the borrower in form of increased EMI amounts you have the option to select a new housing finance company that offers you the continuing loan amount for a lower