Now I am stay in Abu Dhabi .I have house loan in...

Home Loan Prepayment is a good idea because it ends up eating a lot of money in the name of interest. It is not good for your own financial health to give away a big chunk of money as a home loan. There is Home Loan tenure for each and every loan that is passed. Eight years is the average Home Loan tenure in India.
When Should You Go for a Home Loan Pre-Payment?
First thing, a customer can save a lot of money on interest by making a pre-payment of their home loan before the tenure. This is obviously the best pro for the prepayment of the home loan.
Paying the entire amount early in the loan tenure so you can take advantage of foregoing less on interest is the trick. Even at a later stage in the tenure, where the customer has paid much of the interest,
If he or she has an excess of cash, it is always a good practice to prepay the loan and get some money off your back.
Some banks have penalty rates which range from 3% to 5% if a customer makes up his mind to prepay his or her loan. However, the Reserve Bank of India had announced recently to stop charging a penalty to the customers who decide to prepay and close the loan account, though this only applies if a loan is levied on a ‘floating-rate’ basis. As most of the loans are on a fixed-rate basis, the rule is not applicable.
There are still some private and public sector banks that do not charge an extra penalty to a customer who opts to do so.
In such a case, it is you in the advantage as you’re making use of idle cash by cutting off the extra interest you had to pay if you paid the regular EMI. The idle cash you possess would return you less when kept in a bank or in a fixed deposit elsewhere than you save on prepaying your house loan.