Baby, if that loan in Qatar is repayable in Qatari Rial, then you are playing a dangerous game. I know it is nice if you can borrow money at 4.5% and reinvest it in a FD at 9.25%, but only if it is in the same currency. While you appear to gain 4.75% on other people's money you just entered into a dangerous foreign exchange transaction. it is perfectly possible that the Indian rupee declines 20% in a year over the Qatari rial, because the latter has a more stable economy. If that is true, you are just in the hole by 15% and your FD still has 9 years to go.

I have taken a loan of 37lakhs in Qatar for 4.5% interest rate and have invested that as for 9.25% in india for 10 years

Now i am paying EMI's in Qatar for the loan i have taken. I need to buy an House/Plot in india worth 20 Lakhs.

So i was planning to take loan on the FD of 37 lakh invested for 10.5%.

My question is taking a loan of 10.5% would be more easier or breaking that FD and paying the full amount is better.

Since i am paying interest of 4.5% in qatar and if i take a loan of 20 lak on FD, again i need to pay 10.5 % on that 20 lak, which is better please suggest the one which is better.

Breaking or taking the loan.

Thank you in advance.