By: Trends DeskNew Delhi | November 7, 2025 11:29 AM IST 3 min readClearing a massive home loan might sound like a far-fetched dream, but one software engineer has shown it can be done — and shared valuable lessons from the journey.In a viral Reddit post titled “I paid off my Rs 53 lakh home loan in 6 years – Here’s what I learned,” the techie revealed that the story began in September 2019, when they took a Rs 53 lakh loan. By November 2025, the entire amount was paid off.According to the Redditor, the journey was not just financial but deeply mental. “Don’t take a home loan if you’re an overthinker or have anxiety issues,” they wrote, explaining that the constant stress of EMIs and financial uncertainty can be overwhelming.A detailed repayment strategy, built with advice from friends, family, and financial experts, made all the difference. A turning point came in 2021, when a move to Germany boosted their income and allowed faster repayments. “If you have the chance to work abroad, especially with a loan, go for it,” they advised.Prepayments played a crucial role. The Redditor paid extra whenever possible — eventually paying Rs 67 lakh in total, of which Rs 14 lakh went towards interest. “That’s not a small number,” they noted, stressing the need for budgeting and foresight.However, they cautioned that home ownership isn’t always glamorous. “On paper, my home is worth Rs 1 crore now, but my bank balance is nearly empty. So yeah, net worth ≠ liquidity,” they wrote, highlighting the ongoing costs and maintenance that come with the emotional milestone of owning property.Despite the financial strain, the payoff was fulfilling. Friends and family showered praise once the loan was cleared. In a half-joking but relatable conclusion, the techie added: “If you’re feeling unmotivated in life, take a home loan. You’ll hustle harder, chase bonuses, and manage money better.”Story continues below this adCheck out the post: Screenshot of the Reddit postAlso Read | Indian techie’s parents’ reaction to his first salary wins internet’s hearts: ‘This is a lot of money’The post quickly drew attention from Reddit users, who lauded the techie’s perseverance and self-discipline. Many chimed in with their own stories, while others sought practical tips on handling long-term debt and staying motivated through it.A user wrote, “Congratulations dude. What you achieved is not a normal one, but a big thing. The thought of EMI getting away from your sleep cycle needs to be celebrated.”Another user said, “Spot on bro, the stress and pressure becomes unreal at times. Things you could have done otherwise keep taunting you I had a 85 lakhs home loan Last 9.5 lakhs left, can’t wait for the day I clear my last EMI Looking forward to that day.”A third person shared, “My home loan 53L started in 2022 and I have also paid up > 50% of it with less than 6 yrs remaining. planning to close in next 3 years. Feels really good to get rid of the liabilities.”© IE Online Media Services Pvt Ltd