Sir, I have sanctioned housing loan from SBI amounting 25 lakh. Moratorium period is 3 months, after that EMI of Rs. 24608 will start. First installment of Rs. 6.17 lakh drawn. Balance as per the progress of construction (installment wise). Construction will complete in 4 years. 8.35% is the interest. What will be my interest portion & principal portion after paying each installment? I have to pay interest for whatever I drawn ie, 6 lakh only? What is pre EMI capitalization? Please respond.