My daughter had taken a housing loan of about Rs 33 lakh. The EMI, which worked out at Rs 35,000, was paid regularly. Later, a lump sum of Rs 15 lakh was paid towards the principal amount. The bank, however, insists that my daughter must continue to pay the full EMI of Rs 35,000. The bank did not rework the EMI as we expected. Are we expected to pay the full EMI even after the principal amount is brought down? Can the EMI be reworked based on the latest outstanding principal amount?