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With a ₹65k salary, you are a prime customer for banks. You should not settle for standard rates. **Negotiation Tip:** You can likely negotiate a spread of 0.05% - 0.10% lower than the card rate. **Tax Planning:** Since your loan amount is higher (39.0 Lakhs), ensure you maximize Section 24(b) benefits (up to ₹2 Lakhs deduction on interest) and Section 80C (for principal repayment).
