{"id":10241,"date":"2026-07-29T12:50:15","date_gmt":"2026-07-29T07:20:15","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=10241"},"modified":"2026-07-29T12:51:02","modified_gmt":"2026-07-29T07:21:02","slug":"what-is-reducing-interest-rate","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/","title":{"rendered":"What Is Reducing Interest Rate?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If two people borrow the same amount at the same rate but end up paying different total interest, the method used to calculate that interest is usually the&nbsp;reason why.&nbsp;That&#8217;s&nbsp;because lenders&nbsp;don&#8217;t&nbsp;all calculate interest in the same way, and the difference can significantly affect the overall cost of your loan. Understanding how interest is computed helps you compare loan offers more accurately and avoid paying more than necessary.&nbsp;Here&#8217;s&nbsp;what the term means, how&nbsp;it&#8217;s&nbsp;calculated, and why it matters when&nbsp;you&#8217;re&nbsp;comparing loan offers.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#Reducing_Interest_Rate_Meaning\" >Reducing Interest Rate Meaning&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#How_Reducing_Balance_Interest_Is_Calculated\" >How Reducing Balance Interest Is Calculated&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#Why_Reducing_Rate_Matters_for_Personal_Loan_Borrowers\" >Why Reducing Rate Matters for Personal Loan Borrowers&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#Benefits_of_a_Reducing_Interest_Rate\" >Benefits of a Reducing Interest Rate&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#FAQs_on_Reducing_Interest_Rate\" >FAQs on Reducing Interest Rate&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#How_does_reducing_interest_rate_work\" >How does reducing interest rate work?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#What_is_reducing_interest_rate_in_simple_terms\" >What is reducing interest rate in simple terms?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#Is_reducing_rate_better_than_flat_rate\" >Is reducing rate better than flat rate?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#Does_FatakPay_use_reducing_balance_interest\" >Does&nbsp;FatakPay&nbsp;use reducing balance interest?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#How_is_EMI_calculated_on_reducing_balance\" >How is EMI calculated on reducing balance?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/#Why_do_two_loans_with_the_same_rate_cost_differently\" >Why do two loans with the same rate cost differently?&nbsp;&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reducing_Interest_Rate_Meaning\"><\/span>Reducing Interest Rate Meaning&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Reducing interest rate means interest is charged only on the outstanding loan balance, not the original principal, so the interest amount falls every month as you repay. Each EMI you pay reduces the principal owed, and the next month&#8217;s interest is calculated only on&nbsp;what&#8217;s&nbsp;left. Over the loan tenure, this steadily shrinks the interest&nbsp;portion&nbsp;of your instalment while the principal&nbsp;portion&nbsp;grows, even though the EMI amount itself usually stays the same.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Reducing_Balance_Interest_Is_Calculated\"><\/span>How Reducing Balance Interest Is Calculated&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike flat interest, where interest is calculated on the original loan amount throughout the tenure, reducing balance interest is calculated only on the principal that&nbsp;remains&nbsp;unpaid. Since the outstanding balance decreases with every EMI, the interest charged also reduces over time.&nbsp;Here&#8217;s&nbsp;how the calculation works step by step:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 1: Start with the outstanding principal<\/strong>&nbsp;at the beginning of the month and this is the base for that month&#8217;s interest, unlike a flat structure that always uses the original loan amount.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 2: Apply the monthly interest rate<\/strong>&nbsp;(annual reducing rate divided by 12) to that outstanding balance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 3: Deduct the interest amount from the EMI<\/strong>&nbsp;to find how much goes toward principal repayment that month.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 4: Carry forward the reduced principal<\/strong>&nbsp;to the next month, where the reducing interest rate is applied again on the new, smaller balance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 5: Repeat this cycle<\/strong>\u00a0until the loan is fully repaid, with the interest\u00a0component\u00a0shrinking and the principal\u00a0component\u00a0rising each month as this is the essence of the reducing balance method, sometimes discussed alongside the\u00a0<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-prime-lending-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Prime Lending Rate<\/strong><\/a>\u00a0that lenders use as a broader benchmark.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Reducing_Rate_Matters_for_Personal_Loan_Borrowers\"><\/span>Why Reducing Rate Matters for Personal Loan Borrowers&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding why reducing interest rate matters for\u00a0<a href=\"https:\/\/www.fatakpay.com\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal loan<\/strong><\/a>\u00a0repayment starts with how the interest is applied every month.\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A reducing interest rate on a personal loan means\u00a0you&#8217;re\u00a0never paying interest on money\u00a0you&#8217;ve\u00a0already returned to the lender\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It\u00a0generally works\u00a0out cheaper over the loan tenure compared to a flat-rate structure quoted at the same headline percentage\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prepaying part of your loan has a real, visible impact under a reducing rate, since it\u00a0immediately\u00a0lowers the base on which future interest is charged\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It makes loan comparisons more transparent, since the effective cost closely tracks the quoted reducing interest rate\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_a_Reducing_Interest_Rate\"><\/span>Benefits of a Reducing Interest Rate&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing a loan priced on a reducing interest rate basis means your total interest outgo is directly tied to how quickly you repay. Faster repayment or occasional part-prepayments genuinely reduce your interest reducing burden, rewarding disciplined borrowers rather than charging a fixed cost regardless of behaviour. This is one reason the reducing interest rate method has become the standard across most regulated lenders in India today.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding whether your loan uses a reducing interest rate or a flat rate can change how you read the &#8220;attractive&#8221; percentage on an offer. Always ask your lender to confirm which method applies before comparing two loans on interest rate alone, since a lower flat rate can sometimes cost more than a higher reducing interest rate. When in doubt, ask for the reducing interest rate figure in writing before you sign.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_Reducing_Interest_Rate\"><\/span>FAQs on Reducing Interest Rate&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_reducing_interest_rate_work\"><\/span>How does reducing interest rate work?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It works by recalculating the interest due each month on whatever principal is still outstanding, instead of the original loan amount, so the reducing interest rate keeps applying to a shrinking base as you repay.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_reducing_interest_rate_in_simple_terms\"><\/span>What is reducing interest rate in simple terms?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s&nbsp;an interest calculation method where&nbsp;you&#8217;re&nbsp;charged only on the loan amount you still owe, not the amount you originally borrowed, so the interest shrinks as your outstanding balance shrinks.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_reducing_rate_better_than_flat_rate\"><\/span>Is reducing rate better than flat rate?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Generally, yes, for the borrower. A&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/flat-vs-reducing-interest-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>flat vs reducing interest rate<\/em><\/strong><\/a>&nbsp;comparison usually shows the reducing method costing less overall, even when the flat rate looks lower on paper.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_FatakPay_use_reducing_balance_interest\"><\/span>Does&nbsp;FatakPay&nbsp;use reducing balance interest?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">FatakPay&#8217;s&nbsp;personal loan offerings are priced on a reducing balance basis, so you pay interest only on the amount you still owe at any point in the tenure.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_EMI_calculated_on_reducing_balance\"><\/span>How is EMI calculated on reducing balance?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The EMI stays fixed, but within each instalment, the split between interest and principal shifts as the interest&nbsp;portion, based on the reducing interest rate applied to the outstanding balance, gets smaller each month while the principal&nbsp;portion&nbsp;gets larger.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_do_two_loans_with_the_same_rate_cost_differently\"><\/span>Why do two loans with the same rate cost differently?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If one loan is flat-rate and the other uses a reducing interest rate, the flat-rate loan&nbsp;almost always&nbsp;costs more in total interest, since it keeps charging on the full original amount throughout the tenure. It also helps to understand the underlying&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-base-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>base rate<\/em><\/strong><\/a>&nbsp;and reference benchmarks a lender uses when setting its reducing interest rate, so you know exactly what to compare across offers.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\/\", \n\n  \"@type\": \"BreadcrumbList\", \n\n  \"itemListElement\": [{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 1, \n\n    \"name\": \"Home\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 2, \n\n    \"name\": \"Blog\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 3, \n\n    \"name\": \"Personal Loan\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 4, \n\n    \"name\": \"What Is Reducing Interest Rate?\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/\" \n\n  }] \n\n} \n\n<\/script> \n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"BlogPosting\", \n\n  \"mainEntityOfPage\": { \n\n    \"@type\": \"WebPage\", \n\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-reducing-interest-rate\/\" \n\n  }, \n\n  \"headline\": \"What Is Reducing Interest Rate? Meaning & How It Works\", \n\n  \"description\": \"Learn what a reducing interest rate is, how reducing balance interest is calculated, and why it matters for personal loan borrowers compared to a flat rate.\", \n\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\", \n\n  \"author\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"url\": \"https:\/\/www.fatakpay.com\" \n\n  }, \n\n  \"publisher\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"logo\": { \n\n      \"@type\": \"ImageObject\", \n\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n\n    } \n\n  }, \n\n  \"datePublished\": \"2026-07-29\", \n\n  \"dateModified\": \"2026-07-29\" \n\n} \n\n<\/script> \n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [ \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"How does reducing interest rate work?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"It works by recalculating the interest due each month on whatever principal is still outstanding, instead of the original loan amount, so the reducing interest rate keeps applying to a shrinking base as you repay.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"What is reducing interest rate in simple terms?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"It's an interest calculation method where you're charged only on the loan amount you still owe, not the amount you originally borrowed, so the interest shrinks as your outstanding balance shrinks.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Is reducing rate better than flat rate?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Generally, yes, for the borrower. A flat vs reducing interest rate comparison usually shows the reducing method costing less overall, even when the flat rate looks lower on paper.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Does FatakPay use reducing balance interest?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"FatakPay's personal loan offerings are priced on a reducing balance basis, so you pay interest only on the amount you still owe at any point in the tenure.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"How is EMI calculated on reducing balance?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"The EMI stays fixed, but within each instalment, the split between interest and principal shifts as the interest portion, based on the reducing interest rate applied to the outstanding balance, gets smaller each month while the principal portion gets larger.\" \n\n    } \n\n  }, \n\n  { \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Why do two loans with the same rate cost differently?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"If one loan is flat-rate and the other uses a reducing interest rate, the flat-rate loan almost always costs more in total interest, since it keeps charging on the full original amount throughout the tenure. It also helps to understand the underlying base rate and reference benchmarks a lender uses when setting its reducing interest rate, so you know exactly what to compare across offers.\" \n\n    } \n\n  } \n\n  ] \n\n} \n\n<\/script> \n","protected":false},"excerpt":{"rendered":"<p>If two people borrow the same amount at the same rate but end up paying different total interest, the method used to calculate that interest is usually the&nbsp;reason why.&nbsp;That&#8217;s&nbsp;because lenders&nbsp;don&#8217;t&nbsp;all calculate interest in the same way, and the difference can significantly affect the overall cost of your loan. Understanding how interest is computed helps you<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[180],"tags":[],"class_list":["post-10241","post","type-post","status-publish","format-standard","category-personal-loan"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10241","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=10241"}],"version-history":[{"count":2,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10241\/revisions"}],"predecessor-version":[{"id":10244,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10241\/revisions\/10244"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=10241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=10241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=10241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}